JPMorgan Chase excels in branch presence and mobile app satisfaction, while Citigroup stands out with its extensive ATM network and more transparent loan/savings rates. Customer service is a potential concern for Citigroup. The best choice depends on individual priorities, such as branch access versus ATM convenience and the importance of mobile app ratings versus customer service experiences.
| Attribute | JPMorgan Chase | Citigroup |
|---|---|---|
| FDIC Insurance Coverage | Deposits with JPMorgan Chase Bank, N.A. are insured by the FDIC up to a maximum of $250,000, including principal and interest, per depositor for each account ownership category. This coverage extends to deposits made through intermediaries like JPMS. | Citigroup deposit accounts are FDIC-insured. |
| Customer Reviews and Reputation | The Chase mobile app is highly rated by consumers. It has a 4.8 out of 5 ranking on the Apple App Store based on 7.2 million ratings and 4.4 out of 5 stars on Google Play from over 1.8 million user reviews. JPMorgan Chase is committed to ensuring employees act with honesty and integrity, treat customers fairly, and exercise sound judgment. | Customer reviews regarding customer service quality are mixed. While some reports indicate high customer satisfaction, others cite issues with outsourced customer service and difficulty resolving issues. |
| Financial Planning Services | J.P. Morgan Wealth Management provides personal investing services. The Chase Mobile app can be used to plan, invest, and set/track long-term goals with Wealth Plan. You can schedule meetings with an advisor through the app. | Citi Personal Wealth Management offers financial planning services to individuals and institutions. Services include retirement planning, college planning, wealth protection, and estate planning. Financial planning services are available to clients of Citigroup Global Markets Inc. |
| Online Banking Features | Chase offers online banking features such as bill pay, transfers, and budgeting tools. ChaseConnect allows you to manage accounts and control cash flow. Digital banking features include depositing checks via Chase QuickDeposit, making payments with Zelle and Chase Online Bill Pay, and staying connected with paperless statements and account alerts. | Citigroup offers a comprehensive online banking platform with features like bill pay, transfers, and budgeting tools. The platform allows users to view statements, check balances, and monitor recent activity. |
| Branch Locations | JPMorgan Chase has over 4,700 branches across the United States. You can find branch locations and operating hours via the Chase Mobile app or website. Most branches are open Monday through Friday from 9 a.m. to 5 p.m., with limited hours on Saturday. | Citibank has almost 700 branches across the U.S. |
| Credit Card Rewards Programs | Chase offers a variety of credit cards with rewards programs. Rewards can be redeemed for travel, experiences, merchandise, gift cards, or cash back through Chase Ultimate Rewards. | Citigroup offers the ThankYou Rewards program. Points can be redeemed for travel, gift cards, cash back, and more. Cards affiliated with the Citi Rewards program include Citi Rewards, Citi Premier, and Citi Prestige. The Citi Strata Premier Card earns 10x points on hotels, car rentals, and attractions booked through CitiTravel.com and 3x points on air travel and other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations. |
| Loan Options and Rates | JPMorgan Chase offers mortgages, auto loans, and personal loans. | Citigroup provides various loan options, including personal loans and mortgages. Personal loans range from $2,000 to $30,000 with repayment terms of 12 to 60 months and APRs ranging from 8.99% to 19.49%. As of July 1, 2025, Citi's 30-Year Fixed mortgage is 6.500% (6.614% APR), and the 15-Year Fixed mortgage is 5.625% (5.848% APR). |
| Customer Service Quality | Customers can contact Chase by phone at 1-800-935-9935. Social media support is available via Twitter (@ChaseSupport) and Facebook. Live chat is available for customers logged into online banking. | Customer service quality appears to be a point of concern for some customers, with reports of long wait times, difficulty reaching U.S.-based representatives, and unhelpful or rude service. However, in 2019, Citibank was rated #1 in customer satisfaction across retail banking in an ACSI report, and in 2024, J.D. Power's survey indicated that customers are most satisfied with retail banking advice at Citi. |
| Mobile Banking App Rating | The Chase Mobile app has a 4.8 out of 5 rating on the Apple App Store and 4.4 out of 5 stars on Google Play. | The Citi Mobile App allows users to manage their finances, make payments, transfer money, and deposit checks. It offers features like Mobile Snapshot, real-time notifications, and Citi Quick Lock. Citibank Singapore was ranked as the top bank for customer experience in a 2021 Forrester report, which noted the intuitive mobile app. |
| ATM Network Size | Chase has more than 15,000 ATMs nationwide. | Citigroup provides access to over 65,000 fee-free ATMs nationwide at branches and retailers. |
| Checking Account Fees | Monthly service fees for Chase checking accounts range from $4.95 to $35. These fees can often be waived by meeting certain conditions. | Citigroup offers different checking account options, each with its fee structure. Access Checking has a $5 monthly service fee, Regular Checking has a $15 monthly service fee, and Citibank Account Package has a $25 monthly service fee. |
| Interest Rates on Savings Accounts | It's best to visit Chase's website to see current interest rates on savings accounts. | Citigroup offers various savings accounts with interest rates that vary depending on the account type, balance, and location. Examples include Citi Savings account (introductory rate of 4.35% for the first three months, then 1.13% to 1.20% APY), Citi Accelerate Savings (3.60% APY as of June 3, 2025), and promotional offers (e.g., 4.50% APY for three months with a $25,000 minimum balance). Standard savings accounts have an interest rate of 2.50% p.a. as of 2025. |