Citizens Bank vs TD Bank

Citizens Bank is an east Coast bank with solid deposit products to help meet goals. How does it compare to TD Bank? 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 TD Bank has over 1,100 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

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

	Citizens Bank	TD Bank

	Learn More	Visit Site
	SPECIAL OFFER Citizens Bank High Yield Online Savings - 4.50% APY - Learn More Read Citizens Bank Review	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review
	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.	0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.
CD	Several types of CD accounts. Terms ranging from 10 -14 month. 2.75% - 5.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.	1.00% APY (up to 5.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
Checking		TD Simple Checking℠, TD Beyond Checking, TD Convenience 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.
Customer Service	24/7 Telephone Customer Service	24/7 Live Customer Service (Telephone)
ATMs	More than 3,400 ATMs across 14 states.	Approximately 700 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
IRA CD	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.	1.00% APY (up to 5.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
Locations	Approximately 1,100 branches across the country	1100 locations along the east coast.
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: One Deposit Checking GoalTrack Savings 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast
Bottom Line	East Coast bank with solid deposit products to help meet goals... Read full review	East Coast bank with relatively low minimum balance requirements... Read full review
	Learn More	Visit Site
	Citizens Bank High Yield Online Savings - 4.50% APY Clearly Better Business Checking Online CD	TD $300 Beyond Checking Bonus TD $200 Convenience Checking Bonus Referral Program - Up to $500 Bonus
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 11/25/2023 based on 10011 zip code. TD Bank: Pricing information from published website as of 11/27/2023 based on 08034 zip code.

Member FDIC

TD Beyond Checking - $300 Cash Bonus

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New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Three ways to go monthly maintenance fee-free: Monthly Maintenance fee waived when you set up direct deposits of $5,000 or more within a statement cycle, maintain a $2,500 minimum daily balance, or have a $25,000 combined balance across eligible TD accounts.
ATM perks: TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that's open early, late, and weekends.
Get reimbursed for fees including two overdraft fees per year, all Rush Bill Payments, and one outgoing wire per statement cycle (domestic or international).
Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus Bill Pay, Send
Money with Zelle®, Mobile Deposit and Online Statements.

Member FDIC

TD Convenience Checking℠ - $200 Cash Bonus

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New customers who apply online for a TD Convenience Checking℠ account can earn a $200 cash bonus after receiving direct deposits of $500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Waive the $15 monthly maintenance fee with a low minimum daily balance of $100.
Student perks: No monthly maintenance fee or minimum balance requirements if you're ages 17–23
A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that's open early, late, and weekends.
Instant-issue debit card replacement: Instantly replace a lost or worn contactless debit card by visiting a TD Bank location near you
Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus Bill Pay, Send Money with Zelle®, Mobile Deposit and Online Statements.

Which is Better: Citizens Bank or TD Bank?

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 is worth mentioning. TD Bank's mobile app is worth mentioning.

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.

Articles on TD Bank

TD Bank Reviews

TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.