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.
While 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.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too. |
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| Chase Business Complete BankingSM $300 Bonus | HSBC Premier Checking Up To $600 |
| HSBC Premier Checking $450 Bonus | TD Bank Convenience Checking $150 Bonus |
| TD Bank Beyond Checking $300 Bonus | Huntington Business Checking 100 $200 Bonus |
| Huntington 25 Checking $300 Bonus | Huntington Unlimited Plus Business Checking $750 Bonus |
| Huntington Unlimited Business Checking $400 Bonus | Aspiration Spend & Save Account $100 Bonus |
| Ally Invest Up To $3,000 Bonus | Discover Bank $360 Cashback Debit |
| Axos Basic Business Checking $100 Bonus | BlockFi Up To $250 BTC Bonus |
| WeBull 2 Free Stocks | |
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| US Bank | Citibank | |
| Locations | More than 3,000 branches across the U.S. (Locator) | 700 Citibank branches across 13 states
(Mostly in California and New York) |
| ATMs | More than 4,700 ATMs | 2400 ATMs across the country.
Also works at all MoneyPass ATMs |
| Savings | 3/5 | 3/5 |
| CD | 4/5 | 3/5 |
| Checking | 3/5 | 3/5 |
| Money Market | 3/5 | N/A |
| Customer Service | 4.5/5 | 4/5 |
| Mobile App | 4.5/5 | 4.5/5 |
| Pros | -Promo CD with high APY -Free student account -24/7 customer service |
-Perks for high balance customers -Many fee-free ATMs -Global presence |
| Cons | -High minimums to waive fees – Low savings |
-No free checking option -Higher balance requirements -Low savings APY |
| Bottom Line | US Bank offers a wide selection of accounts catered to your needs | Citibank is offers credit cards and banking services, but it’s more geared towards people who have high balances in their deposit account. |
Citibank Promotions
Bottom Line
Which Bank is Better: US Bank or Citibank?
In summary:
- US Bank offers different types of accounts from savings to retirements. They also catering to students and senior citizens.
- 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.
For other banking options, see our list of the best bank account bonuses & savings account offers.
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | 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 $3,000 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| American Express High Yield Savings | 0.40% APY | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
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