TD Bank vs Citizens Bank

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Citizens Bank? Read our comparison chart below.

TD Bank has over 1,100 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

While Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

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

	TD Bank	Citizens Bank
	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review	SPECIAL OFFER Personal Checking and Savings Account - $400 Bonus - Learn More Read Citizens Bank Review
	Benefits and Features
Savings	0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD	up to 3.00% APY (up to 4.00% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).	Several types of CD accounts. Terms ranging from 10-14 month. 2.75% - 4.35 APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for 14-Month and $25000 for 10-Month online CD.
Checking	TD Complete Checking, TD Beyond Checking, TD Essential Banking
Money Market		Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Mobile App	iOS & Android
ATMs	2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	3,300+ ATMs across 14 states
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Telephone Customer Service
IRA CD	1.00% APY (up to 4.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	over 1,100 locations	1,000+ branches in 14 states
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast	Pros: One Deposit Checking GoalTrack Savings 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches
Bottom Line	East Coast bank with relatively low minimum balance requirements... Read full review	East Coast bank with solid deposit products to help meet goals... Read full review
	TD $300 Beyond Checking Bonus TD $200 Complete Checking Bonus Referral Program - Up to $500 Bonus	Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus 10-Month CD - 4.35% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 02/17/2025 based on 08034 zip code. Citizens Bank: Pricing information from published website as of 02/19/2025 based on 10011 zip code.

Which is Better: TD Bank or Citizens Bank?

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

In short: TD Bank's mobile app is worth mentioning. Citizens Bank's savings is worth mentioning.

Articles on TD Bank

TD Bank Reviews

TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.

TD Beyond Checking Bonus

TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.

TD Bank Hours

TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.

Open TD Bank Account

Open your TD Bank account with ease. All details in this comprehensive guide. Don't miss the bonus.

TD Bank Routing Number

Find your TD Bank routing number by state. Get the correct number with and without a check.

Articles on Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.