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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 over 2,200 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 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 US Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 US Bank
Member FDIC
Member FDIC
 Visit SiteLearn More
 

US Bank

Citibank

SPECIAL OFFER
U.S. Bank Smartly® Checking - Up to $450 Bonus - Learn More

Read US Bank Review

OFFER
Citi Checking - $1,500 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, have a $1,000 average monthly collected balance, hold the account with an individual age 12 and under, OR open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above.
  • 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.
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
  • 6-Month Fixed Rate CD - 3.25% APY
  • 9-Month Fixed Rate CD - 2.25% APY
  • 1-Year Fixed Rate CD - 2.25% APY
  • 5-Year Fixed Rate CD - 2.00% APY
  • 3-Month Fixed Rate CD - 0.05% APY
Checking
Smartly Checking
Check
Money Market0.01% - 0.25% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above, or maintain a $10,000 minimum daily balance.
  • CitiBusiness® Insured Money Market Account - 4.50% APY
ATMsmore than 4,500 U.S. Bank ATMs across the countryMore than 70,000 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 Service24/7 Live Customer Service (Telephone)24/7 Live Customer Service (Telephone)
IRA CD 
Check
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Check
Locationsmore than 2,000 branches across the country645 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

 US Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low standard 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
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    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 09/06/2024 based on 91107 zip code.

    Citibank: Pricing information from published website as of 11/05/2024. 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

    U.S. Bank Smartly® Checking - Up to $450 Bonus

    Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.

    Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

    • Enroll in online banking or the U.S. Bank Mobile App
    • Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.

    Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

    Expires 12/30/2024
    US Bank
    Member FDIC

    Silver Business Checking account - $400 Bonus

    Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.

    Expires 1/15/2025
    US Bank
    Member FDIC

    Platinum Business Checking account - $900 Bonus

    Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.

    Expires 1/15/2025

    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

    Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

    US Bank Savings Account Interest Rate

    U.S. Bank offers a beginner-friendly savings account with a low APY. Is it worth it? Read on to find out.

    Who Owns US Bank

    U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

    US Bank Silver Business Checking Minimum Balance

    Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

    US Bank Silver Business Checking Fees

    Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

    US Bank Business Checking Requirements

    Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

    US Bank Problems

    U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

    US Bank vs Chase Business Checking

    U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

    U.S. Bank Checking Bonus

    Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

    US Bank Business Checking Bonus

    Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

    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 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 Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    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?





    Which Bank Account is Right for You?


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