Citibank vs Marcus by Goldman Sachs

Citibank is a large national bank best for high balance customers. How does it compare to Marcus? 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 Marcus offers savings accounts, term CDs, and a no-penalty CD. It has no checking or ATM network. Savings account has no minimum deposit required to open while CDs have $500 minimum opening deposit. There are no service fees.

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

	Citibank	Marcus by Goldman Sachs
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Marcus Online Savings - Earn 3.90% APY - Learn More Read Marcus 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.	3.90% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
CD	6-Month Fixed Rate CD - 3.25% APY 9-Month Fixed Rate CD - 3.00% APY 1-Year Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY	3.75% to 4.30% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.25%. $500 minimum to open. No monthly service fee.
Checking		N/A
Money Market		N/A
Mobile App		iOS & Android
ATMs	More than 65,000 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.	None
Customer Service	24/7 Live Customer Service (Telephone)	Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET
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
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
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
Bottom Line	Large national bank best for high balance customers... Read full review	Read full review
		Marcus Online Savings - Earn 3.90% APY 9-Month High-Yield CD - 4.30% APY 12-Month High-Yield CD - 4.25% 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 01/28/2025. 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. Marcus: Information including rates, fees, terms, and benefits was obtained on January 16, 2025 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: Citibank or Marcus?

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