TD Bank is located on the East Coast with 1,300 locations offering low minimum balance requirements as well as extending banking hours with a 24/7 customer service by phone.

They offer different types of banking services depending on your needs – from personal checking to investment options like CDs.

Whereas, 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.

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

TOP TD BANK PROMOTIONS
*Find all TD Bank Promotions here*
PROMOTIONAL LINK	OFFER	REVIEW
TD Bank Beyond Checking	$300 Cash	Review
TD Bank Convenience Checking^SM	$200 Cash	Review


	TD Bank	Citibank
Locations	1300 locations along the east cost (Locator)	700 Citibank branches across 13 states(Mostly in California and New York)
ATMs	1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	2400 ATMs across the country. Also works at all MoneyPass ATMs.
Savings	3/5	3/5
CD	3.5/5	3/5
Checking	4.5/5	3/5
Money Market	3.5/5	N/A
Customer Service	5/5	4/5
Mobile App	4.5/5	4.5/5
Pros	-Extended banking hours -Low requirements to waive monthly fees -No foreign transaction fees	-Perks for high balance customers -Many fee-free ATMs -Global presence
Cons	-No free checking -Low APY -Only on East Coast	-No free checking option -Higher balance requirements -Low savings APY
Bottom Line	TD Bank offers a variety of banking services that includes saving, checking, and CDs.	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

TD Bank Promotions

• Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
• Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more.
• Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
• TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
• Get overdraft fees automatically reversed up to two times a year.
• Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
• TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
• Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

Apply Now at TD Bank

See all TD Bank Beyond Checking offers and all other TD Bank offers here.

With the TD Convenience Checking^SM Account:
• Earn $200 when you receive direct deposits totaling $500 or more within 60 days
• Low minimum daily balance of $100 waives the $15 monthly fee.
• Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
• Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you
• Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
• TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
• Get a 0.25% discount on TD Bank Home Equity and Personal Loans.

Apply Now at TD Bank

See all TD Bank Convenience Checking offers and all other TD Bank offers here.

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.

Compare to Other Banks

TD Bank:

Citibank:

Bottom Line

Which Bank is Better: TD Bank or Citibank?

In summary:

If you live in the near the East Coast, take advantage of the many accounts that TD Bank has to offer as well as the extended customer hours and easy online banking.
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.

More on Citibank: