Wells Fargo vs Citibank
Wells Fargo | Citibank | |
|---|---|---|
Everyday Checking Account - $325 Bonus | Checking with Enhanced Direct Deposit - $325 Cash Bonus | |
Benefits and Features | ||
| Savings | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. |
|
| CD | Standard Fixed Term CD available online: 0.05% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 0.06% to 1.51% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch. |
|
| Checking | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking |  |
| Money Market | ||
| Mobile App | ||
| ATMs | 11,000+ ATMs across the country | 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. |
| Customer Service | Available 24 hours a day, 7 days a week. | 24/7 Live Customer Service (Telephone) |
| IRA CD | Standard Term CD: 0.01% to 2.25% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.27% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. | |
| IRA Money Market | | |
| Locations | approximately 4,100 retail banking branches coast to coast | 645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C. |
CreditDonkey® Reviews | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
| |
| Bottom Line | | Large national bank best for high balance customers... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 05/06/2026 is based on the 91101 zip code. Citibank: Pricing information from published website as of 05/09/2026. 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. | ||
Articles on Wells Fargo
Wells Fargo Bank Review
Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.
Wells Fargo Checking Account Bonus
Wells Fargo may offer a cash bonus when you open a checking account. Read on to learn more.
Wells Fargo High Yield Savings
Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.
Wells Fargo Bank CD Rates
Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.
Wells Fargo Bank Hours
Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.
Wells Fargo Routing Number
Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.
Articles on Citibank
Citibank Review
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?
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
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.
Citi 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.
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Best National Bank
There are over 5,000 FDIC-insured banks in America. How do you choose a good national bank to keep your money safe?
Safest Banks in the US
When it comes to storing your money, you want the safest option. Keep reading to learn all about the safest banks in the U.S.
How to Choose a Bank: Beginner's Guide
Can't decide what bank to use? Here are tips for choosing a new bank that's right for your needs.
Largest Banks in the US
A list of the largest banks in the US was released. Which banks came out on top? Read on to find out, plus the benefits of working with a big bank.
$500 Checking Account Bonus
Looking for ways to get $500? Discover these fantastic bank bonus offers that let you score extra cash by opening a new checking account.
$400 Checking Account Bonus
Did you know you can earn $400 by opening a new checking account? Learn how you can qualify and enjoy other rewards with these banks.
Checking Account Bonuses in New York
Compare the best checking account bonuses in New York. See which banks offer cash bonuses for opening a new checking account — updated monthly.
Millionaires Bank Account
When you've got a lot of money, keeping it safe becomes your number one priority. Here are a few banks that can help you with what you need.
Best Banks in California
Are you in California and searching for a new bank? Finding one is easy with this helpful guide to the best banks and credit unions in California.
Banks That Don't Require Social Security Number
Looking to open a bank account without providing your Social Security Number? Read this guide to know which banks don't require an SSN.
Next Page: Wells Fargo Bonus Promotions
