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 5,000 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 Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review	SPECIAL OFFER Chase Bank $400 Bonus - 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 - 4.00% APY 9-Month Fixed Rate CD - 3.00% 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	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 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 5,000
	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 5,000 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 Bank $400 Bonus Chase Bank $125 Bonus Chase Business 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 12/19/2025. 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 12/29/2025.

Chase Total Checking® - $400 Bonus

Open an Account

Expires 4/15/2026

New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Mobile^® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Chase Secure Banking℠ - $125 Bonus

Get $125 Coupon

Expires 3/27/2026

New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app, plus thousands of ATMs and branches.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

Get Coupon

Expires 5/14/2026

Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Get added features at no additional costs. Choose Chase Business Complete Banking^® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.

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 Bank of America.

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 Citibank Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

Citibank vs HSBC

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.

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.

Chase Business Complete Banking Review

Is Chase Business Complete Banking® the right choice for you? Here are the benefits and fees you need to know.

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 Private Client vs Sapphire Banking

What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.

Chase Private Client Bonus

Chase is now offering up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account. Find out how to qualify below.

How to Close a Chase Account

If you're ready to say goodbye to your Chase monthly service fees, follow the steps outlined in this guide to close it online, via phone, and more.

Chase First Banking Review

Is Chase First Banking the right debit card for your kid? Before you open an account, find out the pros, cons, fees, and more.

How to Write a Chase Check

Got a shiny new Chase checking account? You're almost ready to make purchases. Read this guide to learn how to write a check from Chase.

What is Chase Overdraft Protection

Chase charges a hefty $34 insufficient funds policy. Find out how to avoid fees with their overdraft protection services.

How to Get Started with Chase Banking App

Want to start using The Chase Mobile® App? Get started in three easy steps below.

Chase Bank Hours

Chase Bank has over 5,000 branches and more than 15,000 ATMs. Find out when you can visit your local branch in this guide.

Chase Private Client

Discover the real value and premium perks of Chase Private Client ℠. Explore the benefits in this in-depth review and if they're worth it.

Chase Student Checking

Chase College Checking account has no monthly service fee for students. But is there a catch? Read on to learn the details and see if it's right for you.