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Citibank · Bank Gap Challenge

Citibank is paying 0.05%.Here's what that's costing you.

You're probably here because something felt off. You were right. Enter your balance — see the exact dollar amount you're leaving behind every year. Takes 3 seconds. No sign-up.

Calculate what I'm losing →
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Educational estimate only. Review fees, FDIC/NCUA coverage, minimums, transfer rules, and rate terms before moving money.

Citibank audit · sampleLive rates
Your bank
Citibank
0.05% APY
Top market rate
Market leaders
4.20% APY
You're losing
$1,038/year
on a $25,000 balance

Sample calculation. Enter your balance below to run your exact audit.

Your bank audit

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We pull today's rates for you. Just pick your bank and enter your balance — the number updates instantly.

Your numbers
Citibank0.05% APY
Rate from live data · changes when you pick a different bank
Short-term savings
$
Compared against
Top market rate 4.20% APY
You're losing · per yearHigh-priority
$0
vs. the top market rate — that's money leaving your account every year you stay put.
At Citibank (0.05%)$25/yr
At top market rate (4.20%)$2,100/yr
That's per month
$173
Lost over 5 years
$10,375
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Simple-interest estimate for education. Actual earnings may vary based on compounding, rate changes, account rules, fees, taxes, and timing.

If you switch today

Watch the gap compound

The numbers above are a simple, conservative annual estimate. This projects your balance forward with real monthly compounding at both rates — a separate, longer-horizon view of the same gap, assuming today's rates hold.

Year 1 gap
$2,075
Year 5 gap
$11,295
Year 10 gap
$25,197

Compound-interest projection assuming no additional deposits or withdrawals and both rates holding steady over the horizon shown. Not a guarantee — real rates change over time.

By balance

The more you keep, the more you lose

What your money earns now at Citibank versus what it could earn — per year.

Balance
Citibank → top rate
Gap
Saved
$1,000
Now
$1
per year
→
Could earn
$42
per year
Lost/yr
$42
$3/mo
Saved
$5,000
Now
$3
per year
→
Could earn
$210
per year
Lost/yr
$208
$17/mo
Saved
$10,000
Now
$5
per year
→
Could earn
$420
per year
Lost/yr
$415
$35/mo
Saved
$25,000
Now
$13
per year
→
Could earn
$1,050
per year
Lost/yr
$1,038
$86/mo
Saved
$50,000
Now
$25
per year
→
Could earn
$2,100
per year
Lost/yr
$2,075
$173/mo
Saved
$100,000
Now
$50
per year
→
Could earn
$4,200
per year
Lost/yr
$4,150
$346/mo
Estimated over 12 months. Example only — your result depends on your balance, rates, and time horizon.
Before you switch

Don't chase the highest APY blindly

A bigger number is only worth it if the account fits how you actually use your money.

Insurance

Confirm whether the product is FDIC-insured, NCUA-insured, or an investment product.

Fees

Check monthly fees, minimums, transfer fees, and conditions required to earn the stated rate.

Access

Make sure you can move money when you need it, especially for emergency savings.

Rate terms

Some rates are promotional, tiered, or subject to change.

Fit

A slightly lower APY may be fine if the account is simpler, safer, or easier to use.

Next steps

What to do next

Compare high-yield savings
Good for simple, FDIC-insured savings with easy access.
Compare savings rates →
Compare short-term cash options
See how high-yield savings, money market funds, CDs, and T-bills differ.
Open the calculator →
Learn before switching
APY matters, but so do fees, insurance, minimums, and transfer speed.
Read the checklist →
FAQ

Frequently asked questions

What is a Bank Gap?+
A Bank Gap is the estimated difference between what your cash earns today and what it could earn in a better-fit account over the same time period.
Is the Bank Gap guaranteed?+
No. It is an educational estimate. Actual earnings can change based on compounding, rate changes, fees, taxes, account rules, and timing.
Should I always choose the highest APY?+
No. A higher APY is only one factor. You should also review fees, insurance coverage, minimum balance rules, transfer speed, rate terms, and whether the account fits your needs.
Are online savings accounts safe?+
Many online savings accounts are FDIC-insured or NCUA-insured, but you should verify the legal institution, insurance coverage, account ownership limits, and product type before opening an account.
When is switching not worth it?+
Switching may not be worth it if the estimated dollar gap is small, the account has inconvenient rules, the rate is temporary, or you value simplicity more than a modest yield increase.
What should I do after seeing my Bank Gap?+
Use it as a starting point. Compare account safety, fees, APY, access, transfer rules, and whether the new option fits your short-term cash needs.

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