Citibank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 4.05% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
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. Jenius Bank
As of Citibank offers an APY of 3.30% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $75 more than Citibank on a $10,000 balance after one year. Citibank pays $330, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01.
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 3.6)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.30%) 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 $330/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $825/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. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $75 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.
Executive Summary as of
Jenius Bank offers the Jenius Savings account with a competitive APY of 4.05%, making it the top choice for savers seeking higher returns. This account has no minimum deposit or maintenance fees, and it is available online-only. In contrast, Citibank's Citi Accelerate Savings account provides a lower APY of 3.30% and is also online-only, with eligibility restricted to select states. While Citibank has a secondary savings option with a minimal APY of 0.03%, Jenius Bank stands out for its simplicity and better returns, particularly for both small and large deposits.
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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Citibank vs. Jenius Bank Savings Calculator
You earn $75 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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.
| Feature | Citibank | Jenius Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 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 |
| 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 | iOS4.0 Android3.6 |
| 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. | - |
| 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% | 3.30% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.8 | -2.7 |
Days Since Change | 343 | 50 | 50 |
11-Month High | 0.03% | 3.80% | 4.50% |
11-Month Low | 0.03% | 3.30% | 4.05% |
Adjustments / Mo | 0.00 | 0.52 | 0.17 |
Volatility Score | 0.000 | 0.047 | 0.028 |
How to read these metrics(Click to expand)
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