Chase vs. Citibank: Which one wins? |

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Citibank vs. Chase

Explore products, rates and features from two of the Big Four.


Fact checked
Citi vs Chase

Chase and Citibank are two of the largest and most popular banks in the country, both offering a wide range of banking options and convenient features. Here’s how their accounts, fees, rates and features compare.

Pros and cons of Chase vs. Citibank


  • Innovative digital banking. Chase supports an efficient digital platform that allows for cardless ATM transactions and more.
  • More branches. Its nationwide network includes nearly 4,900 brick-and-mortar locations.
  • Opening bonuses. Qualifying activities can earn you up to $600 deposited in your checking or savings.
  • Lower overdraft fees. Chase charges lower fees than Citi if your balance drops below $0.
  • Less robust rates. Neither bank offers stellar APYs, but Chase‘s come in behind Citi’s.
  • Limited in-person support. Despite a huge network, Chase branches are in 26 states only. And unlike Citibank, Chase doesn’t support international branches.
  • Higher monthly fees. Chase charges higher monthly fees on average for checking and savings than Citi.


  • More ATMs. Citibank‘s network of more than 60,000 ATMs dwarfs Chase‘s 16,000.
  • International branches. Citibank supports many branches outside of the US, while Chase does not.
  • Stronger interest rates. Citibank‘s rates are slightly higher than Chase‘s.
  • Lower monthly fees. You’ll pay less to manage your money through Citibank on accounts that require fees.
  • Fewer branches. Citibank supports only 700 branches in the US but 1,800 overseas.
  • Slightly higher monthly fees. Citibank supports only 700 branches in the US but 1,800 overseas.
  • Smaller bonuses.. Eligible account holders can earn up to $400 with Citi when signing up, compared to up to $600 at Chase.
  • More limited CD options. Terms range from three months to five years at Citi, whereas Chase offers terms of one month to 10 years.

Chase vs. Citibank savings accounts

Chase offers two savings accounts that pay between 0.01% and 0.11% APY. You need to maintain a balance of at least $250,000 to earn the strongest rates. While Citibank offers one saving option, its competitive 0.5% APY makes it a clear winner in this category.

Trophy icon
Winner: Citibank

Chase vs. Citibank checking accounts

Chase supports three standard checking accounts, one paying interest, whereas Citibank offers four accounts, two that pay interest. Both banks offer executive-tier accounts with priority services, fee waivers and more. Citibank‘s larger selection, slightly lower fees and higher rates give it the edge in this category.

Trophy icon
Winner: Citibank

Chase vs. Citibank certificates of deposit

Both banks offer certificates of deposit with a variety of term options ranging from one month to five years. But Citibank comes out ahead in this category for its lower minimum deposit requirements, higher rates and various CD ladder strategies.

Trophy icon
Winner: Citibank

Consider these accounts from Chase and Citibank

Citibank and Chase both have a wide variety of accounts to choose from. Here are a selection of checking accounts from these two popular banks.

The Citibank Account Interest Checking logo

The Citibank Account Interest Checking


Chase and Citibank‘s other products

These traditional banks offer similar product lineups, with slightly more options through Chase.


  • Personal, car and student loans
  • Home loans and refinancing
  • Credit cards and reloadable cards
  • IRAs
  • Small business and commercial banking
  • Brokerage accounts
  • Student and military banking
  • Chase Private Client
  • Financial advice


  • Personal and student loans
  • Home loans and refinancing
  • Credit cards
  • IRAs & 401(k)s
  • Small business and commercial banking
  • Brokerage accounts
  • Student and military banking
  • 529 plans and college savings
  • Foreign exchange
  • Financial advising

Chase vs. Citibank branches and ATMs

Both banks rely on accessible customer service, in-person support and ATMs nationwide.

BranchesNearly 4,9001,300
Customer service
  • Phone 24/7
  • Social media
  • Live chat
  • Phone 24/7
  • Social media
  • No live chat
  • Email support

Bottom line

Neither of these banks offer rates as high as digital institutions. But they are among the nation’s two biggest, trusted by millions of Americans.

Consider banking with Chase if you value opening bonuses and branch access. Internationally minded customers may appreciate Citibank‘s international presence and more than 60,000 domestic ATMs.

Before signing up for an account, compare your options to find the strongest rates, lowest fees and best perks for your banking lifestyle.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site