Citizens Bank vs Chase

Citizens Bank is an online savings account with an impressive rate and no fees. How does it compare to Chase? Read our comparison chart below.

Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

While Chase is one of the biggest banks in the nation. They offer a variety of banking, loans and investing services.

Compare Citizens Bank with Chase, side-by-side. Read on for an in-depth look, including ratings and reviews.

	Citizens Bank	Chase
		Member FDIC
	Learn More	Learn More
	SPECIAL OFFER 10-Month CD - 3.90% APY - Learn More Read Citizens Bank Review	SPECIAL OFFER Chase Bank $400 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 25. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	Several types of CD accounts. Terms ranging from 5 to 14 months. 3.10% - 3.90% APY. Some APY rates may require a qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 5-Month and 10-Month; $1,000 for 14-Month online CD.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market	Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Mobile App		iOS & Android
ATMs	3,300+ ATMs across 14 states
Customer Service	24/7 Telephone Customer Service	Automated service available 24/7
IRA CD	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	1,000+ branches in 14 states
	CreditDonkey® Reviews

Savings
Fees
Mobile App
Customer Service
Pros & Cons	Pros: High APY No monthly fees Cons: No physical branches No cash deposits
Bottom Line	Online savings account with an impressive rate and no fees... Read full review	Read full review
	10-Month CD - 3.90% APY 5-Month CD - 3.80% APY 14-Month CD - 3.10% APY	Chase Bank $400 Bonus Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citizens Bank: Pricing information from published website as of 06/26/2026 based on 10011 zip code. Chase: Pricing information and data points from published website as of 06/18/2026.

Member FDIC

Chase Total Checking® - $400 Bonus

Open an Account

Expires 10/14/2026

New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Mobile^® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

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Expires 10/15/2026

Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Choose Chase Business Complete Banking^® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
More small business owners choose Chase than any other bank
The #1 choice for small business banking.

Chase Private Client Checking℠ - Up to $3,000 Bonus

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Expires 10/14/2026

Earn up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
Your dedicated banker and a J.P. Morgan Wealth Management advisor work as a team, providing personalized wealth strategies and one-on-one guidance to help plan your future with more confidence. Your team can also connect you to other specialists like a home lending advisor or business relationship manager.
Your J.P. Morgan advisor builds a custom wealth strategy that changes as you do, providing one-on-one guidance to help you make informed decisions for your future.
Get the added benefit of 24/7 customer service to help you manage your accounts. Enjoy waived fees on wire transfers and ATM withdrawals worldwide with the advanced security and protection you expect from a global leader.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+.
Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Which is Better: Citizens Bank or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citizens Bank or Bank of America.