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Wells Fargo vs. Citizen Bank Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Online Banking

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Student Loans

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Online Banking

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Good For
A Reliable & Convenient Banking Partner
Good For
Over 1,000 Branches and 3,000 ATMs
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)
Pros
  • Many personal and small business checking accounts and savings accounts
  • Wealth management and investment services available
  • Transparent yields, requirements, and fees
Pros
  • Well-established company with over 1,000 branches and 3,000 ATMs
  • Monthly maintenance charges are easy to avoid
  • Physical branches are available if you want to talk to someone in person about your financial needs
Cons
  • cons May need a high daily minimum balance to avoid maintenance service fees
  • cons Accounts may come with additional fees, such as out-of-network fees
  • cons Lower than average APY compared to digital-only banks
Cons
  • cons Poor interest rates available compared to online-only banks
  • cons Branches are only available in 12 states
  • cons Basic accounts incur a $3 out-of-network ATM fee
  • cons High overdraft fees
Min Deposit
$25
Min Deposit
$1K
Min APY Checking
0
Min APY Checking
0.05
Min APY Savings
0.15
Min APY Savings
0.01
ATM Network
12,000 Wells Fargo ATMs
ATM Network
Over 3,000 fee-free ATMs
Overdraft fees
$35
Overdraft fees
$35
Maintenance Fee
$5
Maintenance Fee
Student Loans drop-down-btn
Good For
Personalize Your Banking Experience
Min Credit Score
700
Loan Amount

$1K-$350K

Fixed Rate
6.49-10.98%
Variable Rate
7.04-12.43%
Funding Time
20 days
Loan Type
  • Private student loans
  • Student loan refinance
Soft Credit Pull
No
Pros
  • Refinancing for federal and private student loans.
  • No degree or enrollment required.
  • No origination or prepayment penalties.
  • 0.25% Loyalty discount for existing Citizens Bank customers
Cons
  • cons Must have a minimum of $10,000 to refinance
  • cons Next day funding not available
Not provided

Service isn't provided

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