Western Alliance Bank vs Citizens Bank
Western Alliance Bank is a solid bank that offers high APY savings products with a fully digital experience. How does it compare to Citizens Bank? Read our comparison chart below.
Western Alliance Bank offers high-yield savings products and CD accounts.
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 Western Alliance Bank with Citizens Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Western Alliance Bank | Citizens Bank | |
|---|---|---|
High-Yield Savings Premier - 3.80% APY | 7-Month CD - 3.80% APY - | |
Benefits and Features | ||
| Savings | High-Yield Savings Premier: 3.80% APY | 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 4.00%; 3-12 month term CDs. $1 minimum deposit. | Several types of CD accounts. Terms ranging from 7-14 month. 3.10% - 3.80% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-Month online CD. |
| Checking | Personal Checking, Personal Interest Checking | |
| 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. | |
| ATMs | ||
| Customer Service | 24/7 Telephone Customer Service | |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |  |  |
| CD | | |
| Fees | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Solid bank that offers high APY savings products with a fully digital experience... | Online savings account with an impressive rate and no fees... |
| Visit Site | Learn More | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Western Alliance Bank: Information sourced from the published website as of 02/05/2026. Citizens Bank: Pricing information from published website as of 02/14/2026 based on 10011 zip code. | ||
High-Yield Savings Premier - 3.80% APY
- No account fees
- Option to open individual or joint account
- FDIC insured up to $250,000 per depositor
- Only $500 minimum opening deposit
High Yield Savings Account - 3.80% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
High-Yield CD Rates - Up to 4.00% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Month | 4.00% APY |
| 4 Month | 3.50% APY |
| 5 Month | 3.40% APY |
| 6 Month | 3.50% APY |
| 9 Month | 3.40% APY |
| 12 Month | 3.30% APY |
Which is Better: Western Alliance 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 Western Alliance Bank or CIT Bank.
In short: Citizens Bank's mobile app and customer service are worth mentioning.
Articles on Western Alliance Bank
Western Alliance Bank Review
Articles on Citizens Bank
Citizens Bank High Yield Savings
