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 1,000 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 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
	SPECIAL OFFER Personal Checking Account - $400 Bonus - 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% - 3.50 APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for 14-Month and $25000 for 10-Month online CD.	1.00% APY (up to 3.75% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
Checking		TD Complete Checking, TD Beyond Checking, TD Essential Banking
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	2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
Customer Service	24/7 Telephone Customer Service	24/7 Live Customer Service (Telephone)
IRA CD	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.	1.00% APY (up to 3.75% 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	1,000+ branches in 14 states	over 1,100 locations
	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: 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
	Personal Checking Account - $400 Bonus Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus	TD $300 Beyond Checking Bonus TD $200 Complete 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 05/13/2025 based on 10011 zip code. TD Bank: Pricing information from published website as of 05/09/2025 based on 08034 zip code.

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 Bank of America.

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.

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 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.