at Citibank,

Member, FDIC

Pros

Up to $600 sign-up bonus.
Strong online and mobile features, including budgeting and many customer service options.
60,000+ fee-free ATMs.
1,800 overseas branches.

Cons

APY starts at 0.04% on standard savings account; better rates available elsewhere.
Balance of at least $500 required in basic savings account to waive monthly fee, more than some competitors require.
U.S. branches (about 700) are fewer than similar-sized peers.

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Overall

3.5

Citibank offers a range of products and tools you’d expect from a big bank, but it also has drawbacks often seen with large institutions, and it falls short of peers in some areas. Citibank is the retail banking division of Citigroup, a New York-based financial services provider with 200 million customer accounts worldwide. Ratings methodology | Updated Jan. 10, 2019

Checking

3.5

Citibank's various checking accounts generally come in combination packages with savings accounts, which have many fees or requirements. The checking account in the basic banking package has the best balance of options to avoid the monthly fee and have access to services such as checks.

Citi Savings
APY
0.04%
Min. balance for APY
$1

at Citibank,

Member, FDIC

How does Citibank compare?

Citibank

Citi Savings

NerdWallet Rating

APY

0.04%

Monthly Fees

$5

Bonus features

Live help 24/7

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

NerdWallet Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.15%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

HSBC

Online Savings Account

NerdWallet Rating

at HSBC,

Member, FDIC

APY

2.30%

Monthly Fees

$0

Bonus features

Competitive APY

No Monthly Fee

Not for you? Read more bank reviews
NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Good
Fees
High
Everything is a PIA
Any interaction with them is painful. Support is slow and hard to understand. Menus on the phone are too long a difficult to get were you need. The online banking menus are convoluted and cryptic for certain functions. If you banking and credit accounts good luck getting to the person that can help you if have account issues... you wont. The only reason I deal with citi is for cashback and high ir on savings and it is almost not worth the headache at this point. Every manual banking transaction I have tried to process has ended up costing me hours of frustration... literally not figurative HOURS.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
They Lied
I opened a saving and checking account with the information that these would be free. I found I had over drafted due to service charges. Tried to deposit check on the App. But was unable, and the technical department refused to remove the block to allow mobile deposits. Tried to download deposit slips online to mail the checks in, to clear the accounts, but was unable to accomplish this due to a poorly designed website services (downloadable pfd's do not exist at Citi Bank). These charges are to me, considered THEFT!!! I now have to drive over 30 min to a Citi Bank ATM to clear the stolen money Citi Bank has took. This is a crime that will go unnoticed. Sincerely yours Never to return customer
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