US Bank vs Citibank

US 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.

US Bank has over 2,200 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 700 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 US Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	US Bank	Citibank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus - Learn More Read US Bank Review	OFFER Checking with Enhanced Direct Deposit - $300 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.	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 $249,999.
Checking	Smartly Checking
Money Market	0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
ATMs	more than 37,000 ATMs across the country	More than 70,000 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	more than 2,000 branches across the country.	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
	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 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
	Visit Site	Learn More
	U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus Silver Business Checking Package - Up to $800 Bonus Gold Business Checking Package - Up to $800 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. US Bank: Pricing information from published website as of 04/09/2024 based on 91107 zip code. Citibank: Pricing information from published website as of 04/09/2024. 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 Smartly® Checking and Standard Savings - Up to $700 Bonus

Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.

Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

Enroll in online banking or the U.S. Bank Mobile App
Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $200 with a new Standard Savings account.

Make new money deposit(s) totaling $15,000 or more by July 17, 2024
Maintain that balance until October 31, 2024

Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Learn More

Expires 6/27/2024

Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 31, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $400.

Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Get Deal

Expires 8/31/2024

Member FDIC

Gold Business Checking Package - Up to $800 Bonus

Earn your $400.

Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Get Deal

Expires 8/31/2024

Which is Better: US 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 US Bank or Chase.

In short: US Bank's cd is notable.

Articles on US Bank

US Bank Review

Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

US Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a low APY. Is it worth it? Read on to find out.

Who Owns US Bank

U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

US Bank Silver Business Checking Minimum Balance

Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

US Bank Silver Business Checking Fees

Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

US 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.

US Bank Problems

U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

US 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.

US Bank Business Checking Bonus

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

US Bank Routing Number

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

Articles on Citibank

Citibank Review

Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

Citibank vs HSBC

Open Citibank Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

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.