Citibank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Feb 21, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 3.20% | 4.05% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Citibank vs. Jenius Bank
Executive Summary
Citibank offers the Citi Accelerate Savings account with a competitive APY of 3.20%, making it an attractive option for savers, particularly in select states. This account has no minimum deposit requirement and allows for daily compounding, although it does have a maintenance fee of $4.50, which can be waived with an average monthly balance over $500. In contrast, Jenius Bank currently has no products listed. Therefore, Citibank stands out as the clear choice for those looking to earn interest on their savings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Citibank?
- ✓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 4.0)
- ✓Higher rated Android app (4.8 vs 3.7)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.20%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $320/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $800/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
CitibankCitibank offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.8 (vs. 3.7)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $85 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citibank vs. Jenius Bank Savings Calculator
You earn $85 more with Jenius Bank than Citibank 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Citibank and Jenius Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citibank | Jenius Bank |
|---|---|---|
| APY | 3.20% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Citi Accelerate Savings | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Next Steps | Visit SiteVerify at Citibank Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citibank | Jenius Bank | |
|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Jenius Savings | |
Current APY | 0.03% | 3.20% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -4.7 | -2.7 |
Days Since Change | 346 | -18 | 52 |
11-Month High | 0.03% | 3.80% | 4.50% |
11-Month Low | 0.03% | 3.20% | 4.05% |
Adjustments / Mo | 0.00 | 0.61 | 0.17 |
Volatility Score | 0.000 | 0.053 | 0.029 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Citibank's APY of 3.20% with other banks
Compare Jenius Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Jenius Bank vs Ally Bank | 3.20% | $0 |
| Jenius Bank vs American Express | 3.30% | $0 |
| Jenius Bank vs Axos Bank | 4.21% | $0 |
| Jenius Bank vs Bank of America | 0.01% | $100 |
| Jenius Bank vs Barclays | 3.85% | $0 |
| Jenius Bank vs Capital One | 3.30% | $0 |
| Jenius Bank vs Chase Bank | 0.01% | $0 |
| Jenius Bank vs Chime | 3.00% | $0 |
| Jenius Bank vs CIT Bank | 3.75% | $100 |
| Jenius Bank vs Discover Bank | 3.30% | $0 |
| Jenius Bank vs EverBank | 3.90% | $0 |
| Jenius Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Jenius Bank vs Newtek Bank | 4.20% | $0.01 |
| Jenius Bank vs Openbank | 4.09% | $500 |
| Jenius Bank vs Pibank | 4.60% | $0 |
| Jenius Bank vs SoFi Bank | 4.00% | $0 |
| Jenius Bank vs Synchrony Bank | 3.50% | $0 |
| Jenius Bank vs Varo Bank | 5.00% | $0 |
| Jenius Bank vs Wealthfront | 3.95% | $0 |
| Jenius Bank vs Wells Fargo | 0.05% | $25 |