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 | Chase Total Checking® $200 Bonus |
| HSBC Premier Checking $450 Bonus | HSBC Premier Checking Up To $600 |
| HSBC Advance Checking $200 Bonus | HSBC Advance Checking Up To $240 |
| TD Bank Beyond Checking $300 Bonus | TD Bank Convenience Checking $150 Bonus |
| Huntington 25 Checking $500 Bonus | Huntington Business Checking 100 $200 Bonus |
| Huntington Unlimited Business Checking $400 Bonus | Huntington Unlimited Plus Business Checking $750 Bonus |
| Axos Basic Business Checking $100 Bonus | Aspiration Spend & Save Account $100 Bonus |
| Ally Invest Up To $3,500 Bonus | Wise Business Banking $100 Bonus |
| WeBull 4 Free Stocks | |
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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 |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $500 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 |
| Wise Business Banking | $100 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| CIT Bank Money Market | 0.50% APY | Review |
| Ally Invest | Up to $3,500 Cash | Review |
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