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 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


	SPECIAL OFFER U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 Bonus - Learn More Read US Bank Review	OFFER Citi Priority Account - Earn up to $2,000 Cash Bonus Read Citibank Review
	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.	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.
CD	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999.
Checking	Smartly Checking	Citi Priority Account
Money Market	0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Live Customer Service (Telephone)
ATMs	More than 37,000 ATMs across the country	More 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.
IRA CD
IRA Money Market	Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	More than 2200 branches across the country.	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: 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 Line	Big national bank with wide array of services and many account options... Read full review	Large national bank best for high balance customers... Read full review

	U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 Bonus Silver Business Checking Package - $400 Bonus Gold Business Checking Package - $400 Bonus
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 11/9/2022 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.

Member FDIC

U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 Bonus

Earn up to $600 when you open a new U.S. Bank Smartly™ checking account and a Standard savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through February 7, 2023. Member FDIC. Complete these steps within 90 days of opening your new Bank Smartly™ checking account online:

Enroll in online banking or the U.S. Bank Mobile App
Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200 or $6,000 or more to earn $400.
Earn an additional $200 when you open a new Standard Savings account, complete deposit(s) of $25,000 or more February 28, 2023 and maintain a total account balance of $25,000 until May 31, 2023.

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

Learn More

Expires 2/7/2023

Member FDIC

Silver Business Checking Package - $400 Bonus

Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities¹, subject to certain terms and limitations. Offer valid through January 30, 2023. Member FDIC. Complete these steps to earn the offer:

Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.

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.

Get Deal

Expires Tomorrow

Member FDIC

Gold Business Checking Package - $400 Bonus

Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.

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.

Get Deal

Expires Tomorrow

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires 4/4/2023

Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
Bonus will be paid within 30 days after you successfully complete all required activities.

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires 4/4/2023

Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

Balance Levels	Maximum Bonus
$10,000 - $29,999	$200
$30,000 - $74,999	$500
$75,000 - $199,999	$1,000
$200,000 - $299,999	$1,500
$300,000 and above	$2,000

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.

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