Citibank vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Jan 7, 2026 | FNBO DirectHigh-Yield Online Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.00% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$150 $10,000+$300 $25,000+$750 |
Min Deposit | $0 | $1 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Citibank vs. FNBO Direct
As of Citibank offers an APY of 3.30% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
Citibank pays $30 more than FNBO Direct on a $10,000 balance after one year. Citibank pays $330, while FNBO Direct pays $300 - an APY advantage for Citibank.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01.
Why Citibank?
- ✓Higher potential APY (3.30% vs 3.00%) on all balances
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Higher rated iOS app (4.9 vs 4.5)
Why FNBO Direct?
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
CitibankCitibank's Citi Accelerate Savings earns more on smaller deposits (approx. $330 vs $300/yr).
Better Returns at $25,000
CitibankCitibank's Citi Accelerate Savings pulls ahead with larger amounts (approx. $825 vs $750/yr).
Best for Simplicity
CitibankCitibank's Citi Accelerate Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Citibank's Citi Accelerate Savings pays $30 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Citibank offers the Citi Accelerate Savings account, which provides a competitive 3.30% APY with no direct deposit requirement and a minimum balance of just $0.01, making it an attractive option for savers in select states. In contrast, FNBO Direct's High-Yield Online Savings Account offers a slightly lower APY of 3.00% with a minimum deposit of $1. Both accounts are online-only and have no maintenance fees, but Citibank's product edges out in terms of yield. Eligibility for Citibank's account is restricted to specific states, while FNBO Direct does not have such limitations.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Citibank vs. FNBO Direct Savings Calculator
You earn $30 more with Citibank than FNBO Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citibank | FNBO Direct |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.00% Verified: 1/7/2026 Stable (90d) |
| Product Name | Citi Accelerate Savings | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $1 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.5 Android4.8 |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Available Online division fully supports Zelle. |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at Citibank Non-sponsored link to official site | Visit SiteVerify at FNBO Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citibank | FNBO Direct | |
|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | High-Yield Online Savings Account | |
Current APY | 0.03% | 3.30% | 3.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.7 | -6.4 |
Days Since Change | 166 | 50 | 96 |
5-Month High | 0.03% | 3.50% | 3.25% |
5-Month Low | 0.03% | 3.30% | 3.00% |
Adjustments / Mo | 0.00 | 0.54 | 0.18 |
Volatility Score | 0.000 | 0.023 | 0.039 |
How to read these metrics(Click to expand)
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