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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 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 Bank | Citibank | |
|---|---|---|
Citi Priority Package - $700 Bonus - | ||
Benefits and Features | ||
| Savings | 0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance. | 0.04% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500. |
| CD | Standard Term CD: 0.05% - 0.75% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 1.75% - 2.00% APY. Terms of 9, 17, 37 and 59 months. Minimum deposit of $1,000. Maximum deposit $249,999 | 0.05% - 1.75% 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 | 0.03% - 0.06% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 minimum daily ledger balance. | 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 | More than 4,700 ATMs across the country | 2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs. |
| IRA CD | Can convert an IRA to a regular CD account. 0.05% - 1.90% 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 | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100. |
| Locations | More than 3000 branches across the country. | 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:
| Pros:
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| Bottom Line | Big national bank with wide array of services and many account options... | 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. US Bank: Pricing information from published website as of 10/19/2019 based on 91107 zip code. Citibank: Pricing information from published website as of 10/19/2019. | ||
Which is Better: US Bank or Citibank?
Still need help deciding which bank 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
US Bank Routing Number
Articles on Citibank
Citibank Review
Citibank Routing Number
Which Do You Think is Best?
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