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, Wells Fargo is another well known bank with more than 5,400 locations offering 13,000 ATMs nationwide. They offer a variety of checking account like Teen Checking or Opportunity Checking for those who have financial troubles.

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

	Citibank	Wells Fargo
Locations	700 Citibank branches across 13 states(Mostly in California and New York)	5,400 retail banking branches coast to coast. (Locator)
ATMs	2400 ATMs across the country.Also works at all MoneyPass ATMs	More than 4,700 ATMs across the country
Savings	3/5	2.5/5
CD	3/5	2/5
Checking	3/5	4/5
Money Market	N/A	N/A
Customer Service	4/5	4/5
Mobile App	4.5/5	4.5/5
Pros	-Perks for high balance customers -Many fee-free ATMs -Global presence	-Nationwide availability – Large ATM network – Mobile app features – 24/7 account monitoring
Cons	-No free checking option -Higher balance requirements -Low savings APY	– Make minimal interest – Pay a fee for overdraft protection
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.	Wells Fargo offer nationwide access to ATMs and branch locations, offering unique features that your bank might not provide.

Citibank Promotions

Wells Fargo Promotions

Wells Fargo Credit Cards

Bottom Line

Which Bank is Better: Citibank or Wells Fargo?

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.
• Wells Fargo offers nationwide access to their accounts, if you’re looking for basic banking features their accounts are to go to.

Enhance your banking experience with a Citi or Wells Fargo credit card!

For more variety of options, see our list of the best bank account bonuses & savings account offers.

Huntington Bank Promotions for January 2025: $100, $400, $1,000 Checking Bonuses – Ends 2/3/25

TD Bank Promotions: $200, $300, $500 Checking, Savings, Business Bonuses – Ends 1/31/25

Chase Bank Coupon Codes: $100, $200, $300, $400, $500, $700, $1000, $2000, $3000 Checking Bonuses (January 2025)

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