Citibank vs Bluevine

Citibank is a large national bank best for high balance customers. How does it compare to Bluevine? 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 Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.

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

	CitibankChaseBank of AmericaUS BankHSBCNovo Member FDIC
	Learn More	Visit Site
	Citibank	Bluevine
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Free Business Checking - Earn $300 Bonus - Learn More Read Bluevine 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.	No savings account, but you add 5 free sub accounts
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		4.0% APY for Premier customers, 3.0% APY for Plus customers, 1.5% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard
Monthly Fee		Standard tier: $0 per month Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend) Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend)
Money Market	CitiBusiness® Insured Money Market Account - 4.50% APY
APY		4.0% APY on balances up to $3M for Premier customers; 3.0% APY on balances up to $250,000 for Plus customers; 1.5% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
Minimum Deposit to Open		$0
ACH Transfer Fee		$0
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.	approximately 40,000 MoneyPass ATMs
Balance Requirement		None
Cash Deposit Fee		$4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
Customer Service	24/7 Live Customer Service (Telephone)	Phone and email: Monday - Friday. 8 am to 8 pm EST
Incoming Wire Transfer Fee		$0
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.	Online only
Out of Network ATM Fee		$2.50
Outgoing Wire Transfer Fee		$15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee		$0
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Fees
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: High interest rate $0 monthly fee 2 free checkbooks Cons: Fees to deposit cash No physical branches
Bottom Line	Large national bank best for high balance customers... Read full review	Free account with interest for basic business checking needs... Read full review
	Learn More	Visit Site
		Free Business Checking - Earn $300 Bonus Free Business Checking - Up to 1.5% APY Premier Business Checking - Up to 4.0% APY
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.

Free Business Checking - Earn $300 Bonus

Get Deal

Expires in 5 days

To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2024 using the referral code CD300.

After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:

• Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
• Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
• Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

Banking services provided by Coastal Community Bank, Member FDIC

Free Business Checking - Up to 1.5% APY

Get Deal

• 1.5% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
• $0 minimum opening deposit
• $0 monthly service fee

Banking services provided by Coastal Community Bank, Member FDIC

Free Business Checking - Up to 1.5% APY

Get Deal

• 1.5% APY on balances up to $250,000 for eligible customers
• Unlimited transactions
• 5 free subaccounts with unique account numbers
• 2 free checkbooks per year
• $0 monthly service fee

Banking services provided by Coastal Community Bank, Member FDIC

Which is Better: Citibank or Bluevine?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citibank or Chase.

In short: Bluevine's checking is worth mentioning.

Articles on Citibank

Citibank

Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

• Citibank vs Chase
• Citibank vs Bank of America
• Citibank vs US Bank

Open Citi Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

• Citibank vs HSBC

Citi Savings Account Interest Rate

Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

Citibank High Yield Savings

Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

Citibank Routing Number

Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

Articles on Bluevine

Bluevine Business Checking Review

Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.

• Bluevine vs Novo

Is Bluevine Safe

Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.

Bluevine Alternatives

Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.

Which Do You Think is Best?

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