Wells Fargo vs Citibank
Wells Fargo is an a "big 4" bank with a good range of checking accounts and full services. How does it compare to Citibank? Read our comparison chart below.
Wells Fargo is one of America's largest banks with over 4,500 locations and approximately 11,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 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 Wells Fargo with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Wells Fargo | Citibank | |
|---|---|---|
Personal Checking Account - $2,500 Bonus - | Checking with Enhanced Direct Deposit - $300 Cash Bonus | |
Benefits and Features | ||
| Savings | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. |
|
| CD | Standard Fixed Term CD available online: 1.50% to 2.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 2.51% APY if you maintain a linked Portfolio by Wells Fargo relationship. More CD terms are available in branch. |  |
| Checking | Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo | |
| Money Market | Also known as the Platinum Savings Account. 0.25% - 2.50% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 2.51% requires account linked to Portfolio by Wells Fargo relationship. | |
| ATMs | approximately 11,000 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. |
| Customer Service | Available 24 hours a day, 7 days a week. | 24/7 Live Customer Service (Telephone) |
| IRA CD | Standard Term CD: 0.01% to 2.50% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 2.51% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account. | |
| IRA Money Market | Also known as Retirement High Yield Savings. 0.25% - 2.50% APY. $100 minimum opening deposit. | |
| Locations | Approximately 4,700 retail banking branches coast to coast. | 645 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 | ||
| Savings |   | |
| CD |  | |
| Checking | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | A "big 4" bank with a good range of checking accounts and full services... | Large national bank best for high balance customers... |
Wells Fargo: Pricing information from the published website as of 08/07/2024 is based on the 91101 zip code. Citibank: Pricing information from published website as of 08/03/2024. 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. | ||
Which is Better: Wells Fargo 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 Wells Fargo or Bank of America.
In short: Wells Fargo's checking is worth mentioning.
Articles on Wells Fargo
Wells Fargo Bank Review
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.
Wells Fargo High Yield Savings
Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.
Wells Fargo Bank CD Rates
Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.
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.
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.
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 Citi 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.
Citi 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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