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US Bank vs Citibank

US Bank is a big national bank with wide array of services and many account options. How does it compare to Citibank? Read our comparison chart below.

US Bank has 3,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

While Citibank has over 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 US Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 US BankCitibank
 Visit SiteLearn More
 

US Bank

Citibank

SPECIAL OFFER
Easy Checking - $400 Bonus - Learn More

Read US Bank Review

OFFER
Citi Priority Account - Up to $1,500 Cash Bonus

Read Citibank Review

 

Benefits and Features

Savings0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.CitiĀ® 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.
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 0.15% APY - 0.75% APY. Terms of 17 month - 59 months. Minimum deposit of $1,000. Maximum deposit $249,999.
Check
CheckingEasy Checking, Gold Checking Package, Platinum Checking PackageCiti Priority Account: 0.01% Annual Percentage Yield
Money Market0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Check
Customer Service24/7 Live Customer Service (Telephone)24/7 Live Customer Service (Telephone)
ATMsMore than 4,700 ATMs across the countryMore than 65,000 fee-free ATMs at Citibank branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
IRA CD 
Check
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Check
LocationsMore than 3000 branches across the country.More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 US BankCitibank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineBig national bank with wide array of services and many account options... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    US Bank: Pricing information from published website as of 03/8/2022 based on 91107 zip code.

    Citibank: Pricing information from published website as of 09/15/2021. 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.

    Citibank: 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.

    US Bank
    Member FDIC

    Easy Checking - $400 Bonus

    Earn $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 8, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
    • Enroll in online banking or the U.S. Bank Mobile App.
    • Complete two or more direct deposits totaling $4,000 to earn $400
    Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
    Expires 8/8/2022
    US Bank
    Member FDIC

    Gold Checking - $400 Bonus

    Earn $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 8, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
    • Enroll in online banking or the U.S. Bank Mobile App.
    • Complete two or more direct deposits totaling $4,000 to earn $400
    Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
    Expires 8/8/2022
    US Bank
    Member FDIC

    Platinum Checking - $400 Bonus

    Earn $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 8, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
    • Enroll in online banking or the U.S. Bank Mobile App.
    • Complete two or more direct deposits totaling $4,000 to earn $400
    Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
    Expires 8/8/2022
    Citibank

    Citi Priority Account - Up to $1,500 Cash Bonus

    Expires 7/17/2022
    • Earn up to $1,500 cash bonus when you open a new account with required activities
    • Open a new eligible checking account in the Citi Priority Account during the offer period 1/5/22-7/17/22
    • Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
    • Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
    • After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days

    Which is Better: US Bank 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 US Bank or Chase.

    In short: US Bank's cd is notable.


    Articles on US Bank

    US Bank Review

    U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?

    US Bank Routing Number

    To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

    Articles on Citibank

    Citibank Review

    Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Open Citibank Account

    Opening a Citibank account is easy. Take a look at what you'll need, plus find out how to earn up to $1,500 bonus.

    Citi Priority Account

    Earn up to $1,500 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

    Citibank High Yield 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?





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