Citibank vs U.S. Bank

Citibank is a large national bank best for high balance customers. How does it compare to U.S. Bank? 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 U.S. Bank has over 2,900 branches across 27 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

	Citibank	U.S. Bank
	Member FDIC	Member FDIC
	Learn More	Learn More
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Platinum Business Money Market Account - Up to 4.00% Bonus Interest Rate Read U.S. Bank 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.	Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking or Safe Debit account, or for accounts with a minor under the age of 18.
CD	6-Month Fixed Rate CD - 3.25% APY 9-Month Fixed Rate CD - 3.00% APY 1-Year Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
Checking		Smartly Checking
Money Market		0.01% - 0.25% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above, or maintain a $10,000 minimum daily balance.
Mobile App		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.	4,700+ U.S. Bank ATMs across the country
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market		Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
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.	2,900+ branches
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
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: Promo CD with high APY Free student account 24/7 customer service Cons: Low standard savings APY
Bottom Line	Large national bank best for high balance customers... Read full review	Big national bank with wide array of services and many account options... Read full review
	Learn More	Learn More

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 03/20/2025. 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. U.S. Bank: Pricing information from published website as of 02/15/2025 based on 91107 zip code.

Member FDIC

Platinum Business Money Market Account - Up to 4.00% Bonus Interest Rate

Receive a bonus interest rate up to 4.00% from the account opening date when you open a new Platinum Business Money Market Acccount and complete qualifying activities, subject to certain terms and limitations. Member FDIC.

Standard variable interest rates are determined at the bank's discretion and are subject to change at any time without notice. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100.

The special interest rate is limited to Business Platinum Money Market account only. Open a new U.S. Bank Platinum Business Money Market account and receive the special interest rate from the account opening date. Special interest rates may change at any time without notice.
The special interest rate will be 4.00% when your account balance tier is between $25,000 to $2,999,999.99.

The special interest rate does not apply for Platinum Business Money Market accounts with balances outside of the balance tier stated above. The full account balance will earn the standard variable interest rate in effect at that time until the account balance falls within the special rate balance tier.

Interest and Fee Information: You must maintain the minimum balance needed for each tier to earn the special interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Other restrictions may apply.

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Which is Better: Citibank or U.S. Bank?

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 Chase.

In short: U.S. Bank's cd is notable.

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

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 U.S. Bank

U.S. Bank Review

Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

U.S. Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

Who Owns U.S. Bank

U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

U.S. Bank Silver Business Checking Minimum Balance

Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

U.S. Bank Silver Business Checking Fees

Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

U.S. Bank Business Checking Requirements

Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

U.S. Bank Problems

U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

U.S. Bank vs Chase Business Checking

U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

U.S. Bank Checking Bonus

Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

U.S. Bank Business Checking Bonus

Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

U.S. Bank Routing Number

To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.