Save money and be informed. CreditDonkey is a bank comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

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 BankCitibank
 Visit SiteLearn More
 

US Bank

Citibank

SPECIAL OFFER
U.S. Bank Smartly® Checking and Standard Savings - Up to $400 Bonus - Learn More

Read US Bank Review

OFFER
Citi Priority Account - Earn up to $2,000 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.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.
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999.
Check
Checking
Smartly Checking
Citi Priority Account
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 37,000 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.
IRA CD 
Check
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Check
LocationsMore 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

 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:
  • 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 11/9/2022 based on 91107 zip code.

    Citibank: Pricing information from published website as of 01/31/2023. 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

    U.S. Bank Smartly® Checking and Standard Savings - Up to $400 Bonus

    Earn up to $400 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 June 20, 2023. Member FDIC.

    Complete these steps within 90 days of opening your new Bank Smartly checking account online to earn $300:

    • Enroll in online banking or the U.S. Bank Mobile App
    • Complete two or more direct deposits of $5,000 or more
    • Complete 10 or more debit card purchases totaling at least $100

    Earn $100 when you open a new Standard Savings account, by June 20, 2023, complete deposit(s) of $15,000 or more by July 13, 2023 and maintain a total account balance of $15,000 until October 13, 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

    Expires 6/20/2023
    US Bank
    Member FDIC

    Silver Business Checking Package - Up to $750 Bonus

    Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 30, 2023. Member FDIC. Complete these steps to earn the offer:

    Earn your $500.

    • Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
    • Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.

    Earn your $750.

    • Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
    • Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
    Expires 6/30/2023
    US Bank
    Member FDIC

    Gold Business Checking Package - Up to $750 Bonus

    Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 30, 2023. Member FDIC. Complete these steps to earn the offer:

    Earn your $500.

    • Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
    • Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.

    Earn your $750.

    • Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
    • Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
    Expires 6/30/2023
    Citibank

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

    Expires 7/23/2023
    • 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.
    Citibank

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

    Expires 7/23/2023

    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 LevelsMaximum 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

    Citibank

    Citigold® Checking Account - Earn up to $2,000 Bonus

    Expires 7/23/2023
    • Earn up to $2,000 cash bonus when you open a new eligible Citigold® Checking Account with required activities
    • Within 20 days of opening, deposit $200,000 new-to-Citibank funds
    • Maintain a minimum balance of $200,000 for 60 consecutive calendar days. The bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.
    • No monthly service fee when you maintain a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts

    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? Read on for the review.

    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 Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

    Citi Priority Account

    Earn up to $2,000 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?





    You Might Also Like

    Best Banks in California

    Best Banks in California

    Are you in California and searching for a new bank? Finding one is easy with this helpful guide to the best banks and credit unions in California.
    Safest Banks in the US

    Safest Banks in the US

    When it comes to storing your money, you want the safest option. Keep reading to learn all about the safest banks in the U.S.

    Wells Fargo Bank Hours

    Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.
    Best National Bank

    Best National Bank

    There are over 5,000 FDIC-insured banks in America. How do you choose a good national bank to keep your money safe?
    Wells Fargo Routing Number

    Wells Fargo Routing Number

    Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.
    Find Your Routing Number on a Check

    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.
    Checking Account Promotions

    Checking Account Promotions

    Find the top checking account promotions for new customers. These banks currently offer incentives and bonuses.
    Wells Fargo Bank Review:  Account Good for You?

    Wells Fargo Bank Review: Account Good for You?

    Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.
    Bank of America Review: Account Good for You?

    Bank of America Review: Account Good for You?

    Bank of America is a national bank with many account options and user-friendly online banking. But does this convenience come at a cost? Read on.

    Next Page:

    About CreditDonkey
    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    †Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

    About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
    (888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
    © 2023 CreditDonkey Inc. All Rights Reserved.