Western Alliance Bank vs Citibank

Western Alliance Bank is a solid bank that offers high APY savings products with a fully digital experience. How does it compare to Citibank? Read our comparison chart below.

Western Alliance Bank offers high-yield savings products and CD accounts.

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 Western Alliance Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Western Alliance Bank	Citibank
	SPECIAL OFFER High-Yield Savings Premier - 4.05% APY Read Western Alliance Bank Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	High-Yield Savings Premier: 4.05% APY	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.
CD	Up to 3.80%; 3-12 month term CDs. $1 minimum deposit.	6-Month Fixed Rate CD - Up to 3.80% APY 9-Month Fixed Rate CD - Up to 3.50% APY 3-Month Fixed Rate CD - 2.25% APY 1-Year Fixed Rate CD - Up to 2.25% APY 5-Year Fixed Rate CD - 2.00% APY
Checking	N/A
Money Market
Mobile App		iOS & Android
ATMs		More than 65,000 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		24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	35 locations	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
Fees
Mobile App
Customer Service
Checking
Pros & Cons	Pros: High APY No account activity or maintenance fees Cons: No debit card or checks	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	Solid bank that offers high APY savings products with a fully digital experience... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	High Yield Savings Account - 4.10% APY High-Yield CD Rates - Up to 3.80% APY 3-Month High-Yield CD - 3.80% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Western Alliance Bank: Information sourced from the published website as of 11/06/2025. Citibank: Pricing information from published website as of 11/05/2025. 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.

High-Yield Savings Premier - 4.05% APY

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• No account fees
• Option to open individual or joint account
• FDIC insured up to $250,000 per depositor
• Only $500 minimum opening deposit

The annual percentage yield (APY) is accurate as of November 6, 2025 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC

High Yield Savings Account - 4.10% APY

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on Raisin's Secure Website

• No fees
• $1 minimum deposit
• 24/7 online access
• FDIC insured

High-Yield CD Rates - Up to 3.80% APY

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on Raisin's Secure Website

• No fees
• $1 minimum deposit
• FDIC insured

Term	CD Rates
3 Month	3.80% APY
4 Month	3.50% APY
6 Month	3.50% APY
9 Month	3.40% APY
12 Month	3.30% APY

Which is Better: Western Alliance 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 Western Alliance Bank or CIT Bank.

In short: Western Alliance Bank's savings and cd are outstanding. Citibank's mobile app and customer service are noteworthy.

Articles on Western Alliance Bank

Western Alliance Bank Review

Western Alliance Bank offers savings products with competitive APYs for people looking to grow their money. Is there a catch? Read on to find out.

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Articles on Citibank

Citibank

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Open Citi Account

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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?