Citizens Bank vs Chase
Citizens Bank is an online savings account with an impressive rate and no fees. How does it compare to Chase? Read our comparison chart below.
Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.
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 Citizens Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Citizens Bank | Chase | |
|---|---|---|
7-Month CD - 3.80% APY - | Chase Bank $400 Bonus - | |
Benefits and Features | ||
| Savings | Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account. |
|
| CD | Several types of CD accounts. Terms ranging from 7-14 month. 3.10% - 3.80% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-Month online CD. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking |
| |
| Money Market | Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. | |
| Mobile App | ||
| ATMs | ||
| Customer Service | 24/7 Telephone Customer Service | Automated service available 24/7 |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| Fees | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Online savings account with an impressive rate and no fees... | National bank with good promotions for new customers... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citizens Bank: Pricing information from published website as of 01/04/2026 based on 10011 zip code. Chase: Pricing information and data points from published website as of 12/29/2025. | ||
Chase Total Checking® - $400 Bonus
- 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
- 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.
Chase Business Complete Banking® - Up to $500 Bonus
- 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: Citizens Bank 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 Citizens Bank or Bank of America.
Articles on Citizens Bank
Citizens Bank High Yield Savings
Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.
Citizens Bank Problems
While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.
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.
Which Do You Think is Best?
Which Bank Account is Right for You?
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