Citibank vs TD Bank
Total Assets
$1.7 billion
Citibank
$390.0 million
TD Bank
Digital Banking
4.4/5
Citibank
4.1/5
TD Bank
Customer Service
4.1/5
Citibank
4.0/5
TD Bank
Best Savings Rate
0.05%
Citibank
0.25%
TD Bank
Detailed Comparison
Checking Account Comparison
Citibank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| Access Checking | $10 | $1,500 | $35 |
TD Bank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| TD Simple Checking | $7 | $500 | $36 |
Savings Account Comparison
Citibank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| Citi Savings | 0.05% | Regular | $5 |
TD Bank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| TD Savings | 0.25% | Regular Savings | $5 |
APY Comparison
Annual Percentage Yield (APY) shows the effective annual yield accounting for compound interest. Higher APY means more earnings on your deposits. Rates are accurate as of 7/16/2025 and may change based on market conditions.
Credit Card Comparison
Citibank Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Double Cash Cash Back | No annual fee | 15.99% - 25.99% | 2% cashback $200 cash back |
TD Bank Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| TD Cash Credit Card Cash Back | No annual fee | 15.24% - 25.24% | 3% cashback |
Mortgage Comparison
Citibank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 15 Year Fixed | 6.00% | 6.15% | 15 years |
TD Bank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 30-Year Fixed | 4.15% | 4.28% | 30 years |
Rate Information
Mortgage rates are subject to change based on market conditions and individual financial profiles. APR includes the interest rate plus other costs such as origination fees, discount points, and other closing costs. Contact each lender for personalized quotes based on your specific situation.
Strengths and Weaknesses
Citibank
Strengths
- Excellent digital banking experience
- Superior customer service
- More ATM locations
- More competitive fee structure
Weaknesses
- Smaller branch network
- Lower savings account rates
TD Bank
Strengths
- Excellent digital banking experience
- Larger branch network
- Higher savings account rates
Weaknesses
- Fewer ATM locations
Which Bank is Right for You?
Choosing between Citibank and TD Bank depends on your specific banking needs and preferences. Here's a quick guide to help you decide:
Choose Citibank if you value:
- Higher overall customer satisfaction
- Better digital banking experience
- Lower fees and account costs
- Wider ATM network
- More responsive customer service
Choose TD Bank if you value:
- Access to more physical branch locations
- Higher interest rates on savings
Customer Profile Considerations
Citibank might be better for:
- • Fee-conscious customers
- • Tech-savvy customers
TD Bank might be better for:
- • Customers who prefer in-person banking
- • Savers looking for higher yields
- • Tech-savvy customers
Ready to Open an Account?
Compare specific account options from these banks
Rate Comparison Tools
Use our comparison calculators to see which bank offers better returns on your deposits or lower costs on loans.
Compare RatesRead User Reviews
See what actual customers are saying about their experiences with these banks.