Bank of America vs Citibank: Which Is Better?

Bank of America is a huge nationwide bank with thousands of locations and ATMs. Citibank is also top tier banking institution, but how do they compare?

Read below and learn about which bank better suits your financial needs!

	Bank of America	Citibank
Locations	Over 5,000 locations (Locator)	700 Citibank branches across 13 states (Mostly in California and New York)
ATMs	Over 1,800 ATMs	2400 ATMs across the country. Also works at all MoneyPass ATMs
Savings	3/5	3/5
CD	2/5	3/5
Checking	2.5/5	3/5
Money Market	NA	N/A
Customer Service	4/5	4/5
Mobile App	4.5/5	4.5/5
Pros	-National availability -Extended customer service hours -Full service bank	-Perks for high balance customers -Many fee-free ATMs -Global presence
Cons	-No free checking option – Low interest rate -Many miscellaneous banking fees	-No free checking option -Higher balance requirements -Low savings APY
Bottom Line	Bank of America operates nationwide offering many account options like checking, savings, and more!	Citibank is offers credit cards and banking services, but it’s more geared towards people who have high balances in their deposit account.

Citibank Promotions

Conclusion

Bank of America and Citibank are some of the top banking institutions within the U.S. But which is better for you?

In summary:

• Bank of America has many account options and their user friendly interface and mobile app is noteworthy.
• Citibank is different compared to other banks because they only offer a package of both checking and savings account when opening an account. There account are beneficial for those who travel or need access to a large ATM network.

Also be sure to check out our own lists of bank promotions and CD tables!

Huntington Bank Bonuses & Promotions: $100, $400, $1,000 Checking Offers 2025

Chase Coupon Codes 2025 ($100, $200, $300, $400, $500, $700, $2000 Checking Bonuses)

Discover Bank Promotions: $150/$200 Savings Bonus, $360 Cashback Debit Bonus, Up to 4.10% APY for 2025

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