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M&T Bank vs Citizens Bank


 

M&T Bank

Citizens Bank

SPECIAL OFFER
Personal Checking Account - $350 Bonus - Learn More

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

Read Citizens Bank Review

 

Benefits and Features

Savings0.01% 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 accountSeveral 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.
CDTerms 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.
ATMsMore than 1,800 M&T Bank ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia.
3,300+ ATMs across 14 states
Customer ServiceMon - 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.
Locations700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida
1,000+ branches in 14 states
 

CreditDonkey® Reviews

SavingsStarStarStarStarHalf Star
FeesStarStarStarStarStar
Mobile AppStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarEmpty Star
Pros & ConsPros:
  • High APY
  • No monthly fees
Cons:
  • No physical branches
  • No cash deposits
Bottom LineOnline savings account with an impressive rate and no fees... Read full review

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 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.

Which Do You Think is Best?


Which Bank Account is Right for You?


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