Capital One vs Citibank
Capital One is a good online bank with access to in-person support. How does it compare to Citibank? Read our comparison chart below.
Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.
While Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.
Compare Capital One with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Capital One | Citibank | |
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Personal Savings Account - $1,500 Bonus - | Citi Checking - $1,500 Bonus | |
Benefits and Features | ||
Savings |
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CD | 3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00% |
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Checking | ||
Money Market |
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ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo. |
Customer Service | 24/7 Live Customer Service (Telephone) | |
IRA CD | ||
IRA Money Market | ||
Locations | 645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C. | |
CreditDonkey® Reviews | ||
Savings | ||
Checking | ||
Money Market | ||
Mobile App | ||
Customer Service | ||
CD | ||
Pros & Cons | Pros:
| Pros:
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Bottom Line | Good online bank with access to in-person support... | Large national bank best for high balance customers... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 12/18/2024. Citibank: Pricing information from published website as of 12/03/2024. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi. |
Which is Better: Capital One or Citibank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.
In short: Capital One's checking is outstanding.