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 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.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 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.

	Citibank	Chase
	OFFER Citi Personal Wealth Management - Up to $5,000 Bonus Read Citibank Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings	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.	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying 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	6-Month Fixed Rate CD - Up to 4.10% APY 3-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - Up to 3.00% APY 1-Year Fixed Rate CD - Up to 2.75% APY 5-Year Fixed Rate CD - 2.00% APY	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		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 $150,000 on deposit with Chase.
Money Market
Mobile App	iOS & Android	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.	15,000+ Chase ATMs
Customer Service	24/7 Live Customer Service (Telephone)	Automated service available 24/7
IRA CD
IRA Money Market
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.	Over 4,700
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: 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 savings rates Not in all states
Bottom Line	Large national bank best for high balance customers... Read full review	National bank with good promotions for new customers... Read full review
		Chase First Banking Referral Program - Up to $500 Bonus
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 09/21/2025. 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. Chase: Pricing information and data points from published website as of 08/26/2025.

Which is Better: Citibank or Chase?

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In short: Chase's checking is worth mentioning.

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