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Citizens Bank vs Citibank

Citizens Bank is an east Coast bank with solid deposit products to help meet goals. How does it compare to Citibank? Read our comparison chart below.

Citizens Bank has over 1,100 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 Citibank has over 700 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.

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

 Citibank
Member FDIC
 Learn MoreLearn More
 

Citizens Bank

Citibank

SPECIAL OFFER
Personal Checking Account - $400 Bonus - Learn More

Read Citizens Bank Review

OFFER
Enhanced Direct Deposit - Earn $300 Cash Bonus

Read Citibank Review

 

Benefits and Features

SavingsSeveral 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.
  • CitiĀ® 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.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CDSeveral types of CD accounts. Terms ranging from 8-14 month. 2.75% - 5.00% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Check
Checking 
Check
Money MarketSeveral 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.
Check
ATMsMore than 3,400 ATMs across 14 states.More 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.
Customer Service24/7 Telephone Customer Service24/7 Live Customer Service (Telephone)
IRA CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Check
IRA Money Market 
Check
LocationsApproximately 1,100 branches across the countryMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 Citibank
SavingsStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarStarEmpty Star
Pros & ConsPros:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineEast Coast bank with solid deposit products to help meet goals... Read full reviewLarge national bank best for high balance customers... Read full review
 Learn MoreLearn More

    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 02/24/2024 based on 10011 zip code.

    Citibank: Pricing information from published website as of 02/07/2024. 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: 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
    Member FDIC

    Enhanced Direct Deposit - Earn $300 Cash Bonus

    Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

    • Open a new eligible Citi Checking account with Enhanced Direct Deposits
    • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
    • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
    • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.

    Which is Better: Citizens Bank or Citibank?

    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 Chase.

    In short: Citizens Bank's savings, checking, and customer service are worth mentioning. In particular, the customer service is impressive. Citibank's mobile app is noteworthy.


    Articles on Citizens Bank

    Citizens Bank Review

    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.

    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 Citibank

    Citibank

    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 a 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.

    Which Do You Think is Best?


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