KeyBank vs Citibank

KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to Citibank? Read our comparison chart below.

KeyBank has over 1,200 branches in 15 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.

While Citibank has over 700 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

Compare KeyBank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	KeyBank	Citibank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Key Select Checking® - $200 Bonus - Learn More Read KeyBank Review	OFFER Checking with Enhanced Direct Deposit - $300 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account).	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.
Checking
Money Market	2.93% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account.
ATMs	More than 40,000 KeyBank and Allpoint ATMs nationwide	More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer Service	Telephone Service available 24/7	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	More than 1,200 branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Key Financial Wellness Review tool Free checking option 24/7 customer service Cons: Limited branches High account fees	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	Bank with a variety of deposit products and great financial tools... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	Key Select Checking® - $200 Bonus Key Smart Checking® - $200 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. KeyBank: Pricing information from published website as of 04/10/2024 based on 44114 zip code. Citibank: Pricing information from published website as of 04/09/2024. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Member FDIC

Key Select Checking® - $200 Bonus

Learn More

Expires 7/19/2024

Earn $200 after qualified activities until 7.19.24 with interest-bearing Key Select Checking®.

Open a Key Select Checking® account online by July 19, 2024.
Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.

Member FDIC

Key Smart Checking® - $200 Bonus

Learn More

Expires 7/19/2024

Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.

Open a Key Smart Checking® account online by July 19, 2024.
Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Which is Better: KeyBank or Citibank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing KeyBank or Chase.

Articles on KeyBank

KeyBank Review

Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank.

KeyBank Routing Number

Looking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide.