Citibank vs Betterment

Citibank is a large national bank best for high balance customers. How does it compare to Betterment? Read our comparison chart below.

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.

While Betterment offers automatic investing starting at $4/month for accounts with less than $20,000. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

Compare Citibank with Betterment, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Citibank	Betterment
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Compare Pricing - Learn More Read Betterment Review
	Benefits and Features
Savings	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.	Betterment Cash Reserve - Earn 4.00% APY**
CD	9-Month Fixed Rate CD - 4.10% APY 6-Month Fixed Rate CD - 3.25% APY 1-Year Fixed Rate CD - 2.25% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY
Checking		No-Fee Checking
Money Market
Banking		Offers checking account with a free debit card, and a high-yield cash account
Mobile App		iOS & Android
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Annual Fee
Minimum Deposit
Human Advisors
Pros & Cons	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY	Pros: No minimum investment Customized portfolios Automatically invest extra funds Cons: Limited investment options High fees for large investors
Bottom Line	Large national bank best for high balance customers... Read full review	Great robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review
		Compare Pricing Betterment Cash Reserve - Earn 4.00% APY** Invest with Automated Portfolios
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. 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. Betterment: Pricing information from published website as of 01/12/2025

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