Lili vs Citibank

Lili is a mixed-use account for small business owners to help manage expenses and taxes. How does it compare to Citibank? Read our comparison chart below.

Lili is designed for sole proprietors and single-member LLCs. It helps you prepare for taxes with a write-off tracker, automated tax savings, and pre-filled tax forms. The Lili basic account has no monthly fees or minimums.

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

		CitibankNovoBluevineChaseBank of AmericaWells FargoU.S. BankHSBC Member FDIC
	Visit Site	Learn More
	Lili	Citibank
	SPECIAL OFFER Free Checking Account for Small Business Owners - Learn More Read Lili Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	Emergency Bucket for Lili Basic users; Lili Pro users get Savings with 3.00% APY on balances up to $1,000,000	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		6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking	No monthly fees; no balance requirements; no overdraft fees; no foreign transaction fees
Monthly Fee	$0
Money Market
APY	N/A
Minimum Deposit to Open	$0
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	approximately 40,000 MoneyPass ATMs	More than 65,000 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.
Balance Requirement	$0
Cash Deposit Fee	Up to $4.95
Customer Service	Monday – Friday 9am – 7pm EST	24/7 Live Customer Service (Telephone)
Incoming Wire Transfer Fee	$0 ($15 for international)
IRA CD
IRA Money Market
Locations	Online only	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
Out of Network ATM Fee	$2.50 ($5 for international)
Outgoing Wire Transfer Fee	$15 ($25 for international)
Overdraft Fee	$0
	CreditDonkey® Reviews
Savings
Minimum Deposit
Checking
Fees
Mobile App
Customer Service
CD
Pros & Cons	Pros: No monthly fees Expense tracking Save for taxes Cons: Best features only for paid Lili plans Fee to deposit cash	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	Mixed-use account for small business owners to help manage expenses and taxes... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	Free Checking Account for Small Business Owners Lili Pro Business Checking
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citibank: Pricing information from published website as of 05/07/2025. 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.

Free Checking Account for Small Business Owners

• Sign up in 3 minutes; no credit check
• No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
• Automatic Savings
• Get paid up to 2 days early

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC

Get Started

Free Checking Account for Small Business Owners

• $0 monthly service fees
• $0 minimum opening deposit
• No minimum balance requirement
• No foreign exchange fee
• Get direct deposits up to 2 days earlier

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC

Get Started

Free Checking Account for Small Business Owners

• $0 monthly service fees
• Automatic Savings
• Free withdrawals at approximately 40,000 ATMs
• Get direct deposits up to 2 days earlier
• No foreign transaction fees

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC

Get Started

Which is Better: Lili 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 Lili or Novo.

In short: Lili's checking is outstanding.

Articles on Lili

Lili Review

Lili offers a free business checking account with tax planning and expense tracking tools. Review the features to find out if Lili is worth it.

• Lili vs Novo
• Lili vs Bluevine
• Lili vs Chime

Articles on Citibank

Citibank

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 vs Chase
• Citibank vs Bank of America
• Citibank vs Wells Fargo

Open a Citibank Account

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

• Citibank vs U.S. Bank
• Citibank vs HSBC

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.

Citibank Accelerate 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?