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 2,000 branches across 26 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 | |
|---|---|---|
Checking with Enhanced Direct Deposit - $325 Cash Bonus | U.S. Bank Platinum Business Checking - $1,200 Bonus | |
Benefits and Features | ||
| Savings |
| Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. |
| CD |
| Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. |
| Checking |  | |
| Money Market | 0.01% - 0.05% 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® Gold tier or above, or maintain a $10,000 minimum daily balance. | |
| Mobile App | ||
| 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. | |
CreditDonkey® Reviews | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Mobile App |  | |
| Customer Service | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Large national bank best for high balance customers... | Big national bank with wide array of services and many account options... |
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 04/29/2026. 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 04/28/2026 based on 91107 zip code. | ||
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 Bank of America.
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 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.
Which Do You Think is Best?
Which Bank Account is Right for You?
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