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.
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| US Bank | Citi | |
| 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. |
U.S. Bank Promotions
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.
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