M&T Bank vs Citibank
M&T Bank | Citibank | |
|---|---|---|
Personal Checking Account - $200 Bonus - | Checking with Enhanced Direct Deposit - $325 Cash Bonus | |
Benefits and Features | ||
| Savings | 0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account |
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| CD | Terms from 32 days to 72 months. Minimum opening deposit $1,000. |
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| Checking |  | |
| Money Market | ||
| Mobile App | ||
| ATMs | More than 1,800 M&T Bank ATMs in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | 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. |
| Customer Service | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | 24/7 Live Customer Service (Telephone) |
| IRA CD | | |
| IRA Money Market | | |
| Locations | 960+ bank branches located throughout Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | 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 | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Large national bank best for high balance customers... | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. M&T Bank: Pricing information from published website as of 11/27/2025 based on 14203 zip code Citibank: Pricing information from published website as of 11/05/2025. 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. | ||
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