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Citizens Bank vs Chase
Citizens Bank is an east Coast bank with solid deposit products to help meet goals. 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 4,700 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.
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.
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
Several types of CD accounts. Terms ranging from 5-10 month. 3.50% - 4.25% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 5-Month and 10-Month online CD.
Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
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 $150,000 on deposit with Chase.
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
iOS & Android
ATMs
3,300+ ATMs across 14 states
15,000+ Chase 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
1,000+ branches in 14 states
Over 4,700
CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons
Pros:
One Deposit Checking
Citizens Savings Tracker
24/7 customer service
Cons:
Low APY
Heavy overdraft fees
Limited branches
Pros:
More than 4,700 branches
New customer coupons
Full service banking
Cons:
Low savings rates
Not in all states
Bottom Line
East Coast bank with solid deposit products to help meet goals... Read full review
National bank with good promotions for new customers... Read full review
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 08/10/2025 based on 10011 zip code.
Chase: Pricing information and data points from published website as of 08/26/2025.
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.
In short: Citizens Bank's savings and customer service are worth mentioning. In particular, the customer service is impressive. Chase's mobile app is impressive.
Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.
Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.