Citibank only operates on 700 branches across the U.S. They offer credit cards and banking services, but their service fees and balance requirements are more on the higher side.
While Chase offer everything from personal banking to mortgages to loans, as well as a popular range of credit cards.
Not to mention, they offer more checking options compared to other competitors.
Continue reading below to see a side-by-side comparison between the two banks, so you can see which one offers the services you need the most.
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| Citibank | Chase | |
| Locations | 700 Citibank branches across 13 states (Mostly in California and New York) |
Branches in Several States (Locator) |
| ATMs | 2400 ATMs across the country. Also works at all MoneyPass ATMs |
Chase ATMs nationwide |
| Savings | 3/5 | 3.5/5 |
| CD | 3/5 | |
| Checking | 3/5 | 4/5 |
| Money Market | N/A | |
| Customer Service | 4/5 | 4/5 |
| Mobile App | 4.5/5 | 5/5 |
| Pros | -Perks for high balance customers -Many fee-free ATMs -Global presence |
-Branches in many states -New customer coupons -Full service banking |
| Cons | -No free checking option -Higher balance requirements -Low savings APY |
-Low interest rates – Not in all states |
| Bottom Line | Citibank is more geared towards people who have high balances in their deposit account. | Chase is a good choice if you’re looking for a bank with full range of service |
Chase Bank Promotions
Chase Business CheckingChase Total Checking®
 • Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. • Multiple ways to connect with Chase. Get personal attention paired with a large-scale presence, including more than 4,900 local branches and 15,400 ATMs. Plus, bank on your phone with the Chase Mobile® app. • Chase for Business guidance you can count on. Access business insights and tools to help you grow. Meet with our team of bankers or go to our online Resource Center to find helpful information. • Chase Business Complete Checking does more for your business. Featuring multiple ways to pay and get paid, like built-in invoicing and card acceptance, Zelle®, and Tap to Pay on iPhone, to help improve your cash flow. • Waivable service fee. Multiple ways to waive the $15 Monthly Service Fee, like keeping a $2,000 minimum daily balance or making at least $2,000 in purchases per month with your Chase Ink® Business credit card. |
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Citi 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.
Compare to Other Banks
- Chase vs Bank of America
- Chase vs Fifth Third Bank
- Chase vs Wells Fargo
- Chase vs US Bank
- Chase vs CIT Bank
- Chase vs PNC Bank
- Chase vs TD Bank
- Discover Bank vs Chase
- Citibank vs Wells Fargo
- Citibank vs Bank of America
- Citibank vs US Bank
- HSBC Bank vs Citibank
- TD Bank vs Citibank
- Capital One vs Citibank
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Bottom Line
Which Bank is Better: Citibank or Chase?
In summary:
- Citibank is different compared to other banks because they only offer a package of both checking and savings account when opening an account. Citi can be especially beneficial for those who travel or need access to a large ATM network.
- Chase is a good choice if you’re looking for a bank with full range of services, physical locations, lots of ATMS, and good mobile banking.
For more variety of options, see our list of the best bank account bonuses & savings account offers.
More on Chase Bank:
- What Are Chase Bank’s Hours?
- How To Find and Use Your Chase Bank Login
- What Do You Need to Open a Chase Bank Account?
- How To Order Checks via Chase: Online, Vendor Site or by Phone
- How to Set Up Chase Online Bill Pay
- How to Stop Payment for a Chase Check
- Chase Business Routing Number
- How to Stop Payment for a Chase Check
More on Citibank:
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