M&T Bank vs Citizens Bank
M&T Bank | Citizens Bank | |
|---|---|---|
Personal Checking Account - Up to $200 Bonus - | 7-Month CD - 3.75% APY - | |
Benefits and Features | ||
| Savings | 0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account | 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 | Terms from 32 days to 72 months. Minimum opening deposit $1,000. | Several types of CD accounts. Terms ranging from 7-10 month. 0.03% - 3.75% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 7-Month and 10-Month online CD. |
| 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. | |
| ATMs | More than 1,800 M&T Bank ATMs in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | |
| Customer Service | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | 24/7 Telephone Customer Service |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | 960+ bank branches located throughout Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, and the District of Columbia. | |
CreditDonkey® Reviews | ||
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| Mobile App |  | |
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| Pros & Cons | Pros:
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| Bottom Line | Online savings account with an impressive rate and no fees... | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. M&T Bank: Pricing information from published website as of 11/27/2025 based on 14203 zip code Citizens Bank: Pricing information from published website as of 11/25/2025 based on 10011 zip code. | ||
Articles on Citizens Bank
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