Capital One vs Citibank

Capital One is a good online bank with access to in-person support. How does it compare to Citibank? Read our comparison chart below.

Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

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

	Capital One	Citibank
	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	3.60% 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	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%	6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking	0.10% APY
Money Market
Mobile App	iOS & Android	iOS & Android
ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint 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	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	263 branches	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
Checking
Mobile App
Customer Service
CD
Pros & Cons	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher 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	Good online bank with access to in-person support... Read full review	Large national bank best for high balance customers... Read full review
	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 04/10/2025. Citibank: Pricing information from published website as of 05/07/2025. 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.

Which is Better: Capital One 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 Capital One or Chase.

In short: Capital One's savings and checking are worth mentioning. In particular, the checking is outstanding.

Articles on Capital One

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