U.S. Bank vs Citibank

U.S. Bank is a big national bank with wide array of services and many account options. How does it compare to Citibank? Read our comparison chart below.

U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

While Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

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

	U.S. Bank	Citibank
	Member FDIC	Member FDIC
	Learn More	Learn More
	SPECIAL OFFER U.S. Bank Business Essentials - $400 Bonus Read U.S. Bank Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.	6-Month Fixed Rate CD - 4.00% APY 9-Month Fixed Rate CD - 3.00% APY 3-Month Fixed Rate CD - 2.25% APY 1-Year Fixed Rate CD - Up to 2.25% APY 5-Year Fixed Rate CD - 2.00% APY
Checking	Smartly Checking
Money Market	0.01% - 3.75% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance.
Mobile App	iOS & Android	iOS & Android
ATMs	4,700+ U.S. Bank ATMs across the country	More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market	Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	2,000+ branches	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Promo CD with high APY Free student account 24/7 customer service Cons: Low standard savings APY	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	Big national bank with wide array of services and many account options... Read full review	Large national bank best for high balance customers... Read full review
	Learn More	Learn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. U.S. Bank: Pricing information from published website as of 11/12/2025 based on 91107 zip code. Citibank: Pricing information from published website as of 12/19/2025. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Member FDIC

U.S. Bank Business Essentials - $400 Bonus

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC

Get Deal

Expires 3/31/2026

Member FDIC

U.S. Bank Platinum Business Checking - $1,200 Bonus

Platinum Business Checking: $1,200 bonus with $25,000 new money deposits, daily balance, and 6 qualifying transactions.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

Get Deal

Expires 3/31/2026

Which is Better: U.S. Bank or Citibank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing U.S. Bank or Bank of America.

In short: U.S. Bank's cd is notable.

Articles on U.S. Bank

U.S. Bank Review

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U.S. Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

Who Owns U.S. Bank

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U.S. Bank Business Checking Requirements

Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

U.S. Bank Problems

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U.S. Bank vs Chase Business Checking

U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

U.S. Bank Checking Bonus

Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

U.S. Bank Business Checking Bonus

Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

U.S. Bank Routing Number

To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.

Articles on Citibank

Citibank Review

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Open Citibank Account

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Citi Savings Account Interest Rate

Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

Citibank High Yield Savings

Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

Citibank Routing Number

Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.