TD Bank vs Citibank

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Citibank? Read our comparison chart below.

TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

While Citibank has 700 branches across the U.S. Accounts must be opened as a checking & savings package. 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 TD Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	TD Bank	Citibank
	SPECIAL OFFER TD Beyond Checking - $300 Cash Bonus - Learn More Read TD Bank Review	SPECIAL OFFER Citi Accelerate Savings Account - 0.70% APY - Learn More Read Citibank Review
	Benefits and Features
Savings	0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.	0.04% - 0.15% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CD	0.05% APY (up to 0.10% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).	0.05% - 0.25% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
Money Market	0.01% - 0.10% APY (up to 0.15% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old.	A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Live Customer Service (Telephone)
ATMs	Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.
IRA CD	0.05% APY (up to 0.10% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).	Can convert an IRA to a regular CD account. 0.05% - 0.25% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
IRA Money Market		Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Locations	1300 locations along the east coast.	700 Citibank branches across 13 states (mostly in California and New York)
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast	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	East Coast bank with relatively low minimum balance requirements... Read full review	Large national bank best for high balance customers... Read full review
	TD Beyond Checking - $300 Cash Bonus TD Convenience Checking℠ - $150 Cash Bonus	Citi Accelerate Savings Account - 0.70% APY Citigold Package - $1,500 Bonus Citi Priority Package - $700 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code. Citibank: Pricing information from published website as of 11/24/2020.

Which is Better: TD Bank or Citibank?

Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing TD Bank or Chase.

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

Articles on TD Bank

TD Bank Review
TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.
• TD Bank vs Bank of America
• TD Bank vs Chase
• TD Bank vs Wells Fargo
Open TD Bank Account
Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.
• TD Bank vs Capital One
• TD Bank vs PNC Bank
• TD Bank vs Ally Bank
TD Bank Routing Number
Need your TD Bank routing number? It's not the same for everyone. Find the right TD routing number for your bank account by state, with and without a check.
• TD Bank vs SunTrust Bank

Articles on Citibank

Citibank Review
Citibank offers credit cards and banking services. But service fees and balance requirements are on the high side. Is it the right bank for you? Read this review to find out.
• Citibank vs US Bank
• Citibank vs HSBC
Citibank Routing Number
Looking to transfer money in or out of your Citibank checking or savings account? You'll need the right routing number. Find your Citibank routing number and learn about money transfers below.

Which Do You Think is Best?

You Might Also Like

Find Your Routing Number on a Check
Your routing number is the 9 digit code on the bottom of your check. Don't use the wrong number. Find the correct routing number for your bank.

Compare TD Bank to:

You might also be interested in

Related: Bank

Best National Bank

National banks offer a wide range of services and convenient access to branches and ATMs. Read on for the best national bank for your money.

Compare Citibank to: