Santander Bank vs Citibank
Santander Bank | Citibank | |
|---|---|---|
13-Month CD - 3.00% APY - | Checking with Enhanced Direct Deposit - $325 Cash Bonus | |
Benefits and Features | ||
| Savings | 0.01% APY. $25 Minimum opening deposit. $1 monthly fee, unless 1) You have a Santander Checking Account, or have 2) $100 average daily balance in your savings account 3) If any owner on the account is under age 26. |
|
| CD | 3.00% APY. 6 - 13 months. Minimum deposit of $500, with Santander Checking Account. |
|
| Checking |  | |
| Money Market | 0.03% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee. | |
| Mobile App | ||
| ATMs | Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations | 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-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day) | 24/7 Live Customer Service (Telephone) |
| IRA CD | | |
| IRA Money Market | | |
| Locations | 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. Santander Bank: Pricing information from published website as of 02/04/2026 based on 02109 zip code. Citibank: Pricing information from published website as of 02/05/2026. 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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