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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 Priority Account - Earn up to $2,000 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Chase Bank $200 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 70,000 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.
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 01/31/2023. 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

    Citibank: 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.

    Citibank

    Citi Priority Account - Earn up to $2,000 Cash Bonus

    Expires 7/23/2023
    • Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
    • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
    • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
    • If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    Citibank

    Citi Priority Account - Earn up to $2,000 Cash Bonus

    Expires 7/23/2023

    Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

    Balance LevelsMaximum Bonus
    $10,000 - $29,999$200
    $30,000 - $74,999$500
    $75,000 - $199,999$1,000
    $200,000 - $299,999$1,500
    $300,000 and above$2,000

    Citibank

    Citigold® Checking Account - Earn up to $2,000 Bonus

    Expires 7/23/2023
    • Earn up to $2,000 cash bonus when you open a new eligible Citigold® Checking Account with required activities
    • Within 20 days of opening, deposit $200,000 new-to-Citibank funds
    • Maintain a minimum balance of $200,000 for 60 consecutive calendar days. The bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.
    • No monthly service fee when you maintain a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts
    Chase
    Member FDIC

    Chase Total Checking® - $200 Bonus

    Expires 7/19/2023
    • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
    • Access to more than 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.
    • JPMorgan Chase Bank, N.A. Member FDIC
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
    • Chase Overdraft Assist℠ - no overdraft fee 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*

    *With Chase Overdraft Assist℠, we won't charge an Overdraft Fee 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

    Chase
    Member FDIC

    Chase Secure Banking℠ - $100 Bonus

    Expires 7/19/2023
    • New Chase checking customers enjoy a $100 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.
    • No overdraft fees with a Chase debit card that helps you stay within your balance.
    • Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
    • JPMorgan Chase Bank, N.A. Member FDIC.
    • Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
    • Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
    Chase
    Member FDIC

    Chase Business Complete Banking℠ - Up to $500 Bonus

    Expires 8/3/2023
    • Earn up to $500 when you open a new Chase Business Complete Checking℠ account. For new Chase business checking customers with qualifying activities.
    • Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
    • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
    • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
    • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept. It's a built-in feature with your Business Complete Checking account.
    • Helping you save money. Multiple ways to waive service fees and unlimited digital transactions helps you keep more of your money.
    • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
    • Trusted and secure financial partner. We're committed to helping you grow and protect your business.

    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 US 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 Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

    Citi Priority Account Bonus

    Earn up to $2,000 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 Bank Offers

    What promotions does Chase have right now? Find out how much you can earn and how to qualify for the latest Chase bank promotions.

    Chase Total Checking Bonus

    Chase Total Checking is offering $200 for opening a new account. Find out how to qualify for the bonus below.

    Chase Business Checking Coupon

    Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this business checking promotion.

    Chase Business Complete Banking Review

    Chase Business Complete Banking offers an all-in-one account with checking and credit card processing. Read on to learn about the fees and bonuses.

    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.

    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).

    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.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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