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
| PROMOTIONAL LINK | OFFER | REVIEW |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| TD Ameritrade | $600 Cash | Review |
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| 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. |
TD Bank Promotions
 • Open a TD Beyond Checking account online and earn $300 when you receive direct deposits of $2,500 or more within 60 days of opening your account. • With the TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for fees like ATM transactions, overdrafts, Rush Bill Pay and outgoing wires – on top of all the perks you'd expect from everyday checking. • Pay no monthly maintenance fee with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts. • TD Beyond Checking Review |
See all TD Bank Beyond Checking offers and all other TD Bank offers here.
 With the TD Convenience CheckingSM Account: • Earn $150 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 or worn debit card by visiting a TD Bank location near you • Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service • Get a 0.25% discount on TD Bank Home Equity and Personal Loans |
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 vs Ally Bank
- TD Bank vs Wells Fargo
- TD Bank vs PNC Bank
- TD Bank vs SunTrust Bank
- TD Bank vs Capital One
- TD Bank vs Bank of America
- 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
| My favorite bank transfer hub is the American Express® High Yield Savings Account: • Earn 0.50% APY on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • No monthly fees, no minimum balance. • 24/7 Account Access |
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 TD Bank:
- What Are TD Bank’s Hours?
- TD Bank Routing Numbers By State
- How To Open a TD Bank Account
- How To Find and Use Your TD Bank Login
More on Citibank:
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $300 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| Ally Invest | Up to $3,500 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
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