North One vs Citibank

North One is a good business banking features and tools with no monthly fees. How does it compare to Citibank? Read our comparison chart below.

North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

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

	North One	Citibank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER North One Free Business Banking - Up to 2.50% APY - Learn More Read North One Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	No savings account, but you can create unlimited envelopes for savings goals	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	$0 monthly fee; no balance requirements
Monthly Fee	$0
Money Market
APY	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
Minimum Deposit to Open	$50
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	38,000+ 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	None
Cash Deposit Fee	up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	24/7 Live Customer Service (Telephone)
Incoming Wire Transfer Fee	$0 for domestic wires
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	Fee from ATM owner
Outgoing Wire Transfer Fee	$20 for domestic wires
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
CD
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No international wires Cash deposit fee	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	Good business banking features and tools with no monthly fees... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	North One Free Business Banking - Up to 2.50% APY North One Plus Business Banking - Up to 3.00% APY North One Free Business Banking - Up to 2.50% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. North One: Information sourced from the published website as of 02/25/2025. 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.

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Business banking for teams
Automatic invoice ingestion and payments
Sales and revenue analytics
Unlimited account envelopes
Close to 100 integrations
Over $5000 in perks for new customers
No monthly fees, no application fees, no minimum balance

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Plus Business Banking - Up to 3.00% APY

3.00% APY on balances up to $250,000 for eligible customers
Priority email/chat support
Dedicated relationship manager
Implementation and onboarding assistant
$0 same-day ACH payments, bill payments, and physical checks
Lowest transaction fees
$50 minimum opening deposit
$20 monthly fee

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

Which is Better: North One 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 North One or Novo.

In short: North One's checking and customer service are worth mentioning. In particular, the customer service is outstanding.