TD Bank vs Citizens Bank
Citizens Bank
Total Assets
$390.0 million
TD Bank
$225.0 million
Citizens Bank
Digital Banking
4.1/5
TD Bank
4.2/5
Citizens Bank
Customer Service
4.0/5
TD Bank
4.2/5
Citizens Bank
Best Savings Rate
0.25%
TD Bank
0.10%
Citizens Bank
Detailed Comparison
Checking Account Comparison
TD Bank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| TD Simple Checking | $7 | $500 | $36 |
Citizens Bank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| One Deposit Checking | $10 | $0 | $35 |
Savings Account Comparison
TD Bank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| TD Savings | 0.25% | Regular Savings | $5 |
Citizens Bank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| One Deposit Savings | 0.10% | Regular | $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 8/2/2025 and may change based on market conditions.
Credit Card Comparison
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 |
Citizens Bank Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Cash Back Plus Cash Back | No annual fee | 16.99% - 26.99% | 1.8% cashback $150 cash back |
Mortgage Comparison
TD Bank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 30-Year Fixed | 4.15% | 4.28% | 30 years |
Citizens Bank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 30 Year Fixed | 6.35% | 6.50% | 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
TD Bank
Strengths
- Excellent digital banking experience
- Larger branch network
- More ATM locations
- Higher savings account rates
Weaknesses
Citizens Bank
Strengths
- High customer satisfaction rating
- Excellent digital banking experience
- Superior customer service
- More competitive fee structure
Weaknesses
- Smaller branch network
- Fewer ATM locations
- Lower savings account rates
Which Bank is Right for You?
Choosing between TD Bank and Citizens Bank depends on your specific banking needs and preferences. Here's a quick guide to help you decide:
Choose TD Bank if you value:
- Access to more physical branch locations
- Wider ATM network
- Higher interest rates on savings
Choose Citizens Bank if you value:
- Higher overall customer satisfaction
- Better digital banking experience
- Lower fees and account costs
- More responsive customer service
Customer Profile Considerations
TD Bank might be better for:
- • Customers who prefer in-person banking
- • Savers looking for higher yields
- • Tech-savvy customers
Citizens Bank might be better for:
- • Fee-conscious customers
- • 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.