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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 600 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
Member FDIC
Member FDIC
 Visit SiteLearn More
 

KeyBank

Citibank

SPECIAL OFFER
Key Select Checking® - $200 Bonus - Learn More

Read KeyBank Review

OFFER
Citi Personal Wealth Management - Up to $5,000 Bonus

Read Citibank Review

 

Benefits and Features

Savings0.01% 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.
CDStandard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.
Check
Checking 
Check
Money Market2.92% 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.
Check
ATMsMore than 40,000 KeyBank and Allpoint ATMs nationwideMore 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 ServiceTelephone Service available 24/724/7 Live Customer Service (Telephone)
IRA CD 
Check
IRA Money Market 
Check
LocationsMore than 1,200 branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
 

CreditDonkey® Reviews

 KeyBank
SavingsStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarHalf StarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • 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 LineBank with a variety of deposit products and great financial tools... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    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 07/11/2024 based on 44114 zip code.

    Citibank: Pricing information from published website as of 06/13/2024. 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.

    KeyBank
    Member FDIC

    Key Select Checking® - $200 Bonus

    Expires in 6 days
    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.

    KeyBank
    Member FDIC

    Key Smart Checking® - $200 Bonus

    Expires in 6 days
    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.

    Articles on Citibank

    Citibank Review

    Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Citibank Open Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    Citi High Yield Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


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    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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