Banking » Compare Banks » Discover vs Citi : Which Bank Is Better in 2024?
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Discover vs Citi : Which Bank Is Better in 2024?

If you’re looking for the best rates with no fees and some nice features, like 1% cash back on debit card purchases, Discover is the better bank. If you're looking for specific credit card benefits, Citi cards is likely to make Citi a better choice for you
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table Of Content

When Discover Bank Wins?

Discover Bank is both a full-service online bank and a payment services provider. Individuals can use Discover for banking and retirement planning. Discover is best known for its rewards credit cards, but it also offers personal, student, and home equity loans. 

Discover makes use of a mobile app that is available for both iOS and Android devices. You can use this app to access all of your Discover accounts and use their mobile check deposit by taking a photo with your phone or tablet.

Discover can be a better choice than Citibank if:

  • You’re looking for great savings rates
  • You want fee free accounts
  • You arer ready for an online bank

When Citi Bank Wins?

Citibank is a global financial services company with over 100 million customers in 98 countries. If you're looking for a dependable financial service where you can open a checking and savings account with no minimum deposit, Citibank is a great option. 

However, Citibank requires you to meet certain criteria in order to waive monthly fees on checking accounts. This may be a disservice to users who are not yet financially secure.

Citibank can be a better choice than Discover if:

  • You want a massive choice of credit card options 
  • You can easily meet the fee waiver criteria

  • You need a personal service 

Banking Options

Discover Bank is a full-service online bank as well as a provider of payment services. Discover can be used for banking and retirement planning by individuals. Discover is best known for its credit cards with rewards, but it also provides personal, student, and home equity loans.

Citibank has a credit card background, but that doesn't mean it has a limited banking product line.

Citi offers home loans, personal loans, lines of credit, wealth management options, and investments, as well as everyday and premium banking services. This exemplifies Citi's viability as a viable alternative to the traditional high-street bank.

Discover Bank
Citi Bank
Savings Accounts
Checking Accounts
CDs
Money Market Account
Debit Card
Credit Cards
Personal Loans
Mortgage
Government Mortgage
Business Loans
Investing Capabilities

Compare Savings Account

When it comes to savings rates, both Discover and Citi offer competitive rates.  Additionally, Discover is fee free, so you don’t need to worry about maintaining a particular balance to avoid a monthly fee.

Citi accounts also come as a package, so you do need to open a checking account for using a savings account.

Discover Bank
Citi Bank
APY
4.35%
0.03% – 4.45%
Fees
$0
$4.50/$10 per month Can be waived if you maintain an average combined monthly balance of $500/$1,500 in your eligible accounts, make one enhanced direct deposit or one qualifying bill payment per statement period
Minimum Deposit
$0
$0
Checking Needed?
No
Yes
Main Benefits
  • Easy to use app
  • No fees for maintenance, insufficient funds, stop payments or account closure.
  • Earn rewards by linking your savings account to your Citi checking account
  • Auto save function & other savings package

Checking Account

Discover also has the edge in the checking account comparison. In addition to being fee free, you can even earn 1% cash back on your debit card purchases. Citi requires that you make a qualified bill payment, receive a qualifying deposit or maintain an account balance to ensure the $12 account management fee is waived each month.

Both banks have a similar size ATM network, but Citi’s is a little larger, so the only real advantage Citi has is its overdraft protection, which automatically transfers funds from your savings account to avoid overdraft fees if you have insufficient funds.

Discover Bank
Citi Bank
APY
0% (1% cash back on up to $3,000 in debit card purchases each month)
0.01%
Fees
$0
$12 Can be waived if you make one qualifying direct deposit and one qualifying bill payment per statement period, maintain a combined balance of $1,500 per month across your eligible accounts or if you’re aged 62
Minimum Deposit
$0
$0
Main Benefits
  • Earn 1% cashback on your account debit card
  • No overdraft fees
  • ATM network with 60,000+ machines with no fees
  • Discover Zelle allows you to quickly move money or send or receive money with no fees
  • Overdraft protection with auto transfer from your savings account
  • Unlimited check writing
  • ATM network with 65,000+ fee free machines
Citi Checking account details
(Screenshot from Citibank app, offer may change over time)

Compare CDs

Similar to savings account, also in terms of CDs you can earn higher rates with Discover. However, the minimum deposit ia a big higher compared to Citi.

Discover
Citi
Minimum Deposit
$2,500
$500 – $2,500
APY Range
2.00% – 5.30%
0.05% – 5.65%
APY 6 months
3.40%
1.10%
APY 12 months
5.20%
3.00% – 4.00%
APY 24 months
4.40%
2.50%
APY 36 months
4.30%
2.50%
No Penalty CD
/
12 months, 4.25% – 4.75% APY

Credit Cards

Discover is a leading credit card issuer, so it stands to reason that it would offer a great selection of card options. All the Discover cards offer rewards and the bank also has the Unlimited Cashback Match. This means that Discover will match, dollar for dollar, your first year’s cash back automatically with no maximum reward cap or minimum spends.

One of the most popular Discover cards is the Discover Cash Back. This offers 5% cash back and has a 0% introductory rate. You can also get similar rewards with the Discover NHL card that has a card option for all 31 teams. There is also the Travel card that offers miles, and the Gas & Restaurant card that prioritizes cash back within this spending category. 

Card
Rewards
Bonus
Annual Fee

1-5% 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
Match Bonus unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
$0

Discover it® Chrome Gas & Restaurants

Discover it® Chrome Gas & Restaurants
1-2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all your other purchases
Match Bonus automatically match all the cash back you’ve earned at the end of your first year
$0

Discover It miles card review

Discover it® Miles
1.5X unlimited 1.5x miles for every dollar spent on all purchases
Match Bonus Discover matches your first year miles automatically (for example: 10,000 miles becomes 20,000 miles)
$0

Discover It Student Chrome Card Review

Discover it® Student Chrome
1-2% 2% cashback at gas and restaurants (up to $1,000 every quarter) and 1% on groceries and other student related products
Match Bonus Match Bonus for the first 12 months
$0

Discover It Secured review

Discover it® Secured
1-2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and unlimited 1% cash back on all other purchases
Match Bonus Discover automatically matches the cash back you've earned at the end of your first year, no limits
$0

Discover also has student versions of some of the popular cards, including Student Chrome that gives higher cash back on restaurant and gas station purchases, and the Student Cash Back card offering similar benefits to the standard Discover Cash Back card.

Finally, there is a Discover Secured card, for those with less than perfect credit who want to build their credit while earning cash back.

Citi has a massive selection of credit card options. You can browse the card options by category including Travel, Rewards, Cash Back, 0% intro rate and Balance Transfer. Many of these cards have no annual fee and allow you to earn up to 5% cash back.

Card
Rewards
Bonus
Annual Fee

citi double cash

Citi® Double Cash Card
2%* 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
N/A $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
$0

citi_premier_card

Citi Premier® Card
1X – 3X 3X points per dollar on restaurant, supermarket, gas station, hotel and air travel and other hotels purchases, and 1X points per dollar on all other purchases
60,000 points 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024
$95

citi diamond preferred

Citi® Diamond Preferred® Card
None
None
$0

citi secured mastercard review

Citi® Secured Mastercard®
None
None
$0
citi-custom-cash_
Citi Custom Cash℠ Card
1-5% 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% cash back thereafter
$200 $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening (20,000 ThankYou® Points, which can be redeemed for $200 cash back)
$0

One of Citi’s most popular cards is Double Cash. This is an innovative card offering 1% cash back on your purchase and then another 1% when you pay for those purchases. This is in addition to no annual fee and 18 months of 0% for balance transfers.

Citi also has partner cards with popular brands including American Airlines, AT&T, Expedia and even Costco, so you can tailor your rewards with your preferred brands. Many of the Citi cards offer new cardholder welcome bonuses, but you do need to watch for time limit qualifications and spending minimums.

Citi card control hub
Citi card control hub (Screenshot from Citibank app)

Personal Loans

Discover only conducts a soft pull inquiry when you apply for a personal loan, but you must have a minimum yearly income of $25,000. In order to be accepted, your credit score cannot be lower than 660. Discover is a good option because their rates are competitive, and borrowing from them means you're making payments directly to the creditor.

The only issue with Discover is that the application process is more time consuming than others, and they charge a hefty late payment fee.  You can also use your personal loan to cover unexpected expenses, such as home renovations or the purchase of a new vehicle.

Citibank personal loans are ideal for current bank customers. Customers who are already customers get better terms, options, and rewards. There are no origination or late fees with Citibank personal loans. They also do not have a prepayment penalty, so the loan can be paid off early without incurring any additional fees.

Citi personal Loan check my rate
(Screenshot from Citibank app)

All online eligible candidates can apply through a registered Citibank account, and applicants who do not already have one must create one before submitting the online application. Borrowers can apply for loans with Citibank in three ways: online, by phone, or in person at a local branch.

Discover Bank
Citi Bank
APR
7.99% – 24.99%
10.49% – 19.49% APR
Loan Amount
$2,500 – $40,000
$2,000 – $30,000
Terms
36 to 84 months
12-60 months

Customer Service

Discover offers access to its customer service team 24/7 online or via phone, so if you need urgent help or have an account query, you can easily access support.

Citi’s customer support is more complex. The bank has different phone lines to access customer service according to the product or query. So, if you have a question about Citi savings accounts, you’ll need a different number than if you had a credit card query.

Citi also has a comprehensive help page, where you can type in an inquiry or keyword and receive an answer. You can also use the website or app to message the customer service team. You can even use your smartphone to scan the QR code to message the team.

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Promotion:
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Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

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Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
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Chase_logo

Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 4/17/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

UpgradeLogo

Fees:
No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 
Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
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Online/Digital Experience

Both Discover and Citi have an app. Discover’s app is rated 4.9/5 and 4.5/5 on the Apple Store and Google Play respectively. This is an intuitive and easy to use app that allows you to manage your account, move money around and even put a hold on your debit card if necessary.

The Citi app has a 4.9/5 rating on the Apple Store and 4.7/5 on Google Play. This also allows you to manage your account, contact the customer service team and receive notifications.

Both websites are very helpful to enhance the digital experience. You can browse products and compare options if you’re unsure about which product would be best for you.

Which Bank is The Winner?

Both Discover and Citi established their reputations as credit card companies and both have expanded their services over the years. This allows you to access some great products that can fit your specific needs. But how do they really stack up against each other?

If you’re looking for the best rates with no fees and some nice features, like 1% cash back on debit card purchases, Discover is the better bank. Discover offers great rates on savings and CDs, but there is the $2,500 minimum deposit on CDs, which may be a barrier to entry.

Although Discover does have ample credit card options, if this is more your area of concern, the sheer volume of Citi cards is likely to make Citi a better choice for you. While it may not offer the same fee free accounts, the waiver requirements are fairly basic and easy to manage.

citi logo
discover logo
The Smart Investor Logo
APY Savings The annual percentage yield (APY) is a percentage that represents the amount of money or interest earned on your savings account over the course of a year. The APY factored in compound interest. A savings calculator can help you quickly determine how much you'll earn with a given APY.
0.03% – 4.45%
4.35%
Up to 5.02%
Checking Fee The monthly fee on checking account
$12 Can be waived if you make one qualifying direct deposit and one qualifying bill payment per statement period, maintain a combined balance of $1,500 per month across your eligible accounts or if you’re aged 62
$0
Compare Banking
Mobile App Rating
4.9/5 on iOS
4.7/5 on Android
4.9/5 on iOS
4.7/5 on Android
Various Banks
Learn More
Learn More
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FAQs

Yes, Discover offers bank promotions for new accounts as well as on a variety of credit cards. As of February 2024 , Discover Cashback Debit account offers Up to $360 bonus promotion based monthly debit card activity.

Citi checking and savings promotion is usually relevant for both new business and personal customers. For example, the Citi Personal Checking offers new accounts a $200 – $2,000 bonus, based on your minimum deposit and as long as you meet Citi terms and conditions.

Yes, Discover has excellent options for students and those looking to build credit. The Discover It Secured credit card is a good option for people who want to rebuild or establish their credit. You must make a refundable security deposit to open your account. This deposit amount will have an impact on your approved credit line.

In addition to this option for a genuine credit card, you can earn 2% cash back on restaurant and gas station purchases up to $1,000 per quarter and 1% cash back on all other purchases.

  • F on BBB – BBB assigns ratings ranging from A+ (highest) to F (lowest) (lowest). BB ratings are based on information in BBB files about factors such as the business's complaint history with the BBB, the type of business, the length of time in business, transparent business practices, and more.
  • 1.04/5 on BBB customer reviews (248 reviews) – BBB customer reviews allow customers to leave positive, negative, or neutral feedback about their marketplace experiences.
  • On JD Power national banking 2020 research, Citi rates under the industry average with 631 points only, while Capital One on top with 688 points.

JD Power National Banking 2020

Citi's top APY is only available in a few markets, so some customers will be denied high-quality interest rates.

There is also the risk of misunderstanding due to the labeling of various savings account packages. Because of how these are operated, the confusion over rate versus APY makes the banking experience a little more complicated than in other places.

Discover Bank is a high-end online banking service that provides competitive rates on accounts with no minimum balances or fees. You can earn 1% cash back on your checking accounts, which is unusual in the banking industry.

Discover banking prioritizes their accounts by providing comparisons to other banks, absolute transparency, and flexibility. Because of their user-friendly banking products, you can use their services with confidence, knowing that your account is secure.

Discover Bank's online bank is an excellent example of a company that provides services for the adult with a hectic schedule while also providing dependable software that you can rely on. This is a high-yielding earning opportunity that you should take advantage of if you use Discover Bank.

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Savings Rate: 5.07% APY
Minimum Deposit:
$0
 
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Savings Rate: 5.05% APY
Minimum Deposit:
$5,000
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Savings Rate: 4.50% APY
Minimum Deposit:
$100
 
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Discover vs Citibank: Comparison Methodology

In our detailed comparison, The Smart Investor team thoroughly looked at Citibank and Discover in five main areas:

  1. Checking Accounts (30%): We checked things like direct deposit, debit card availability, monthly fees, ATM and branch access, check deposit, bill pay options, and account alerts. We also considered any special offers for customers.

  2. Savings Accounts including CDs (20%): We focused on important stuff like how much interest you can earn (APY), the smallest amount you need to open an account, how flexible the accounts are, and if they're insured by FDIC. We also looked at special savings offers, different types of CDs, and any fees for taking money out early.

  3. Credit Cards (15%): We looked at what rewards you get, how much the card costs each year, any bonuses you get for signing up, perks for traveling, how much interest you pay on balances, and if you can transfer balances from other cards.

  4. Lending Options (15%): We checked out the different kinds of loans they offer, like personal loans, student loans, mortgages, and loans where you use your home as collateral.

  5. Customer Experience And Bank Reputation (20%): We looked into how easy it is to use their online and mobile banking, how helpful their customer support is, what people say about them online, any awards they've won, and how stable they are financially. This gave us a good idea of what it's like to be a customer and how much people trust them.

Compare Citibank Versus Other Banks

The Chase and Citi checking accounts both have no minimum deposit and a monthly account maintenance fee of $12. This can also be waived with a balance of $1,500 or more, or with qualifying deposits.

Furthermore, both have a very impressive selection of more than credit card options.

Read Full Comparison: Chase vs Citi: Which Bank Account Wins?

Capital One began as a credit card company, but it has recently expanded its banking product line. Capital One offers checking and savings accounts, children's accounts, auto finance and refinancing, in addition to an impressive selection of credit cards.

Citi offers a diverse range of banking products, including checking and savings accounts, CDs, credit card options, mortgages, personal loans, wealth management plans, IRAs, and investment options.

Read Full Comparison: Citi vs Capital One: Which Bank is Best For You?

CIT Bank has a banking product line that rivals that of traditional banks. Savings accounts, CDs, an eChecking account, home loans, and mortgages are all available. The main shortfalls in this lineup are the lack of personal loans and a credit card option.

Citibank has a credit card background, but that doesn't mean it has a limited banking product line. Citi offers home loans, personal loans, lines of credit, wealth management options, and investments, as well as everyday and premium banking services.

Read Full Comparison: CIT Bank vs Citi: Which Bank Account Suits You Best?

The Citi checking account is a fairly standard product. The account does have a $12 monthly fee, but it is waived if you make a qualifying deposit or make a qualifying bill payment. Overdraft protection is also available, which automatically transfers funds from your savings account to avoid overdraft fees.

Because the American Express savings account has a high yield, the number of withdrawals or transfers you can make each month is limited to nine. It's also a nice touch that American Express allows you to choose paper statements if you prefer the old-fashioned way.

Read Full Comparison: American Express vs Citi: Where to Save Your Money?

Citi offers an excellent range of banking products that cover the majority of your financial needs.

Personal loans, mortgages, credit cards, investment options, IRAs, and wealth management plans are available in addition to savings and checking accounts. Barclays' product line is more streamlined. This bank offers credit cards, savings accounts, credit cards, and personal loans.

The most obvious product gap is the absence of a checking account. As a result, Barclays becomes more of a supplementary bank rather than your primary day-to-day financial institution.

Read Full Comparison: Citi vs Barclays: Which Bank Account Is Better?

Bank of America is a large banking institution, and its impressive banking product line reflects this. Aside from savings and checking accounts, there are home loans, auto loans, investment options, and a variety of credit cards. Citi also has a diverse product offering. Credit cards, CDs, personal loans, mortgages, IRAs, investment options, wealth management plans, and checking and savings accounts are all available.

As a result, if you want to switch from your current bank, either bank is a viable option because you won't have to make any compromises in terms of banking products.

Read Full Comparison: Bank of America vs Citi: Which Bank Suits You Best?

Both banks offer a good selection of banking products, making it easier to switch from your current bank.

Citi offers CDs, personal loans, mortgages, IRAs, investment options, wealth management plans, and a variety of credit card options in addition to checking and savings accounts.

Wells Fargo provides savings and checking accounts, but it also provides mortgages, loans, and investment options such as IRAs, 401ks, and wealth management products.

Read Full Comparison: Citi vs Wells Fargo: Which Bank Account Is Better?

While U.S. Bank offers some better conditions when it comes to lending options, Citibank is our winner in this comparison. Here's why.

Citibank vs. U.S. Bank: Which Bank Account Is Better?

Citibank is our winner due to its checking account options, various credit cards, and better savings account rates than Truist Bank.

Truist Bank vs. Citibank: Which Bank Account Is Better?

PNC Bank and Citibank are two big players in brick-and-mortar banking. Let's compare them side by side and see which is our winner: PNC Bank vs. Citibank

Citibank leads in credit cards, and TD Bank options for borrowers are broader. But what about the rest? Here's our comparison and winner: Citibank vs. TD Bank

We'll explore Citibank and M&T Bank savings accounts, checking accounts, CDs, credit cards, and lending products. Here's our winner: Citibank vs. M&T Bank

Citi is our winner for most consumers, but Ally is also a great option if you are willing to manage your account online. Here's why.

Citibank vs. Ally Bank: Which Bank Account Is Better?

Banking Reviews

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Savings Rate: 4.50% APY
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Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 4/17/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

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No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 
Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you’ll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

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Promotion:
Up to $400 Open a new, select Virtual Wallet product and receive $500/$2,000/$5,000 or more in qualifying monthly direct deposits within 60 days to earn a $100/$200/$400 bonus.
Subject to state availability
PNC Virtual Wallet ® is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV. Virtual Wallet ® is offered in the state of MO with the exception of the Greater Kansas City area. Product availability may vary based on where you open your account and the Zip code of your primary

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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