Capital One offers high interest rates without all the online fees, however it’s not as high compared to other online banks. They also offer convenience checking and savings under one roof.
While Citibank offer credit cards and banking services, but their service fees and balance requirements are more on the higher side.
Continue reading below for a more in-depth look for both Capital One and Citibank. You can choose to see which one fits your needs the most.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too. |
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| Chase Business Complete BankingSM $300 Bonus | HSBC Premier Checking Up To $600 |
| HSBC Premier Checking $450 Bonus | TD Bank Convenience Checking $150 Bonus |
| TD Bank Beyond Checking $300 Bonus | Huntington Business Checking 100 $200 Bonus |
| Huntington 25 Checking $300 Bonus | Huntington Unlimited Plus Business Checking $750 Bonus |
| Huntington Unlimited Business Checking $400 Bonus | Aspiration Spend & Save Account $100 Bonus |
| Ally Invest Up To $3,000 Bonus | Discover Bank $360 Cashback Debit |
| Axos Basic Business Checking $100 Bonus | BlockFi Up To $250 BTC Bonus |
| WeBull 2 Free Stocks | BBVA Free Checking & Savings $250 Bonus |
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| Capital One | Citibank | |
| Locations | Online based banking | 700 Citibank branches across 13 states (Mostly in California and New York) |
| ATMs | Over 39,000 no-fee Capital One & Allpoint ATMs | 2400 ATMs across the country.Also works at all MoneyPass ATMs |
| Savings | 3.5/5 | 3/5 |
| CD | 3/5 | |
| Checking | 5/5 | 3/5 |
| Money Market | 4/5 | N/A |
| Customer Service | 4.5/5 | 4/5 |
| Mobile App | 4.5/5 | 4.5/5 |
| Pros | -Overdraft protection options -No account minimums -27 Capital One cafes for in-person support |
-Perks for high balance customers -Many fee-free ATMs -Global presence |
| Cons | -Low savings APY compared to other online banks | -No free checking option -Higher balance requirements -Low savings APY |
| Bottom Line | Capital One offers several banking products like checking and savings. | Citibank is offers credit cards and banking services, but it’s more geared towards people who have high balances in their deposit account. |
Table of Contents
Citibank Promotions
See our Citibank Savings review and the latest bank Citibank Promotions.
See our Citibank Priority Account Package review and the latest bank Citibank Promotions.
Capital One Promotions
Bottom Line
Which Bank is Better: Capital One or Citibank?
In summary:
- Capital One has a good range of banking services. They are a good online bank that also has access to in-person support.
- Citibank is different compared to other banks because they only offer a package of both checking and savings account when opening an account.
For more variety of options, see our list of the best bank account bonuses & savings account offers.
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| BBVA Free Checking & Savings | $250 Cash | Review |
| Huntington 25 Checking | $300 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| Ally Invest | Up to $3,000 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| American Express High Yield Savings | 0.40% APY | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
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