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.
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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. |
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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.
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