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.
Whereas, US Bank has 3,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees, but their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
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 | US Bank | |
| Locations | 700 Citibank branches across 13 states(Mostly in California and New York) | More than 3,000 branches across 26 states:
Arizona, California, Colorado, Florida, Hawaii, Illinois, Louisiana, Massachusetts, Michigan, New Jersey, New York, Tennessee, Texas, Washington, & Wisconsin. (Locator) |
| ATMs | 2400 ATMs across the country.Also works at all MoneyPass ATMs | More than 4,700 ATMs across the country |
| Savings | 3/5 | 3/5 |
| CD | 3/5 | 4/5 |
| Checking | 3/5 | 3/5 |
| Money Market | N/A | 3/5 |
| Customer Service | 4/5 | 4.5/5 |
| Mobile App | 4.5/5 | 4.5/5 |
| Pros | -Perks for high balance customers -Many fee-free ATMs -Global presence |
-Promo CD with high APY – Free student account -24/7 customer service |
| Cons | -No free checking option -Higher balance requirements -Low savings APY |
-High minimums to waive fees -Low savings APY |
| Bottom Line | Citibank is offers credit cards and banking services, but it’s more geared towards people who have high balances in their deposit account. | US Bank offers a wide array of services and many account options. |
Citibank Promotions
Bottom Line
Which Bank is Better: Citibank or U.S. Bank?
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.
- U.S. Bank is the country’s fifth largest bank, their promotional CD Special offers high interest rates. Plus their mobile app is one of their notable aspects for their users.
For more variety of options, see our list of the best bank account bonuses & savings account offers.
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