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Citibank vs Chase

Citibank is a large national bank best for high balance customers. How does it compare to Chase? Read our comparison chart below.

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.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.

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

 CitibankChase
 Learn MoreVisit Site
 

Citibank

Chase

OFFER
Citi Savings Account - Up to $2,000 Bonus

Read Citibank Review

SPECIAL OFFER
Chase Bank $225 Bonus - Learn More

Read Chase Review

 

Benefits and Features

SavingsCiti® 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.
  • Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
  • Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD
Check
Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
CheckingCiti Priority Account
  • Chase Total Checking®
  • Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
  • Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
  • Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
  • Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Money Market
Check
 
Customer Service24/7 Live Customer Service (Telephone) 
ATMsMore than 65,000 fee-free ATMs at Citibank branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
16,000 Chase ATMs
IRA CD
Check
 
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
Over 4,700
 

CreditDonkey® Reviews

 CitibankChase
SavingsStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Pros & ConsPros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Pros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineLarge national bank best for high balance customers... Read full reviewNational bank with good promotions for new customers... Read full review
 Learn MoreVisit Site

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    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.

    Chase: Pricing information and data points from published website as of 12/17/2020

    Chase
    Member FDIC

    Chase Total Checking® - $225 Bonus

    Expires 1/19/2022
    • New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
    • Access to 16,000 Chase ATMs and more than 4,700 branches
    • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
    • Overdraft Services - no fee if you're overdrawn by $50 or less at the end of the business day*
    • *We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).
    Chase
    Member FDIC

    Chase Business Complete Banking℠ - $300 Bonus

    Expires 1/20/2022
    • Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
    • More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
    • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
    • Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
    • Alerts to help you stay on top of your account activity.
    • Easy account management through Chase Business online and the Chase Mobile® app.
    • Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
    • Convenient access to 16,000 ATMs and more than 4,700 branches.
    Chase
    Member FDIC

    Chase Secure Banking℠ - $100 Bonus

    Expires 1/19/2022
    • New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
    • No minimum deposit to open, no fees for Chase Online℠ Bill Pay, money orders, cashier's checks or to send money
    • No paper checks to track
    • Just a simple $4.95 monthly service fee
    • Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
    • Bank with the Chase Mobile® app and Chase Online℠
    • Get helpful account alerts so you can monitor your balance and more.
    • No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

    Which is Better: Citibank or Chase?

    Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citibank or CIT Bank.

    In short: Chase's checking is worth mentioning.


    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 Citibank account is easy. Take a look at what you'll need, plus find out how to earn up to $1,500 bonus.

    Citi Priority Account Bonus

    Earn up to $1,500 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.

    Articles on Chase

    Chase Bank

    Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

    Open a Chase Account

    Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

    Chase Business Checking Coupon

    Right now, Chase Business Complete Checking is offering a $300 bonus for new customers.

    Chase Routing Number

    What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

    Chase Total Checking Bonus

    Chase Total Checking is offering $225 for opening a new account. Find out how to qualify for the bonus below.

    Chase Secure Banking Coupon

    Earn $100 when you open a Chase Secure Banking℠ with qualifying activities. Here's how to grab the special offer.

    How to Open a Chase Business Bank Account

    Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

    How to View Your Chase Bank Statement

    You can easily access your Chase bank statement online. Find out how to view your past activity at any time.

    How to Setup Direct Deposit with Chase

    Get paid faster when you set up direct deposit with Chase. Here's how to get started below, plus how long it takes to get your money.

    Which Do You Think is Best?


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

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