M&T Bank vs Citizens Bank
M&T Bank | Citizens Bank | |
---|---|---|
Personal Checking Account - $350 Bonus - | Personal Checking and Savings Account - $400 Bonus - | |
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 6-10 month. 3.50% - 4.15% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 6-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 New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, 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 | 700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida | |
CreditDonkey® Reviews | ||
Savings | ![]() ![]() ![]() ![]() ![]() | |
Fees | ![]() ![]() ![]() ![]() ![]() | |
Mobile App | ![]() ![]() ![]() ![]() ![]() | |
Customer Service | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
| |
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 09/14/2025 based on 14203 zip code Citizens Bank: Pricing information from published website as of 09/29/2025 based on 10011 zip code. |
Articles on Citizens Bank
Citizens Bank High Yield Savings
Citizens Bank Problems
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Largest Banks in the US
Compare M&T Bank to:
You might also be interested in
