What Bank Does Home Depot Use? (You’ll Be Surprised)

Home Depot offers credit card options and project loans backed by a reliable banking institution to facilitate customers looking to complete costly renovation projects. 

So if you’re considering applying for Home Depot’s financing options, you may be wondering – what bank does Home Depot use? I’ve done the research, and here’s what I’ve found out! 

What Bank Does Home Depot Use? 

Home Depot uses Citibank for all company transactions. This includes lending credit through Home Depot store credit cards and project loan cards, and any payroll applications for Home Depot associates. Citibank is considered a reliable financial institution known for keeping its customers’ transactions and investments safe. 

If you want to learn more about what Citibank offers Home Depot customers, whether Home Depot is a reliable company to build credit, and much more, keep reading! 

What Bank Does The Home Depot Store Credit Card Use? 

Home Depot exclusively uses Citibank for its financial dealings, including all kinds of credit card services that Home Depot offers to its customers. 

Citibank backs all spending and lending made through Home Depot, whether it is the basic Home Depot Consumer credit card or its special project loan card. 

The credit options include a basic store credit card or a project loan card that allows customers to gain the benefits of a financial institution’s credit assistance when shopping. 

For example, the basic Home Depot credit card provides an interest rate of 0% if total payments are made within the first 6 months. 

What Bank Does Home Depot Use For Payroll? 

According to Home Depot, Citibank is used for all associate payroll administrations and for assisting the company in fulfilling employee paychecks safely and on time. 

Note that Citibank is the exclusive bank for all Home Depot corporate and customer credit needs and has been successfully partnered with Home Depot for many years. 

Through its partnership with Home Depot, Citibank continues to offer reliable and secure financial services to DIY enthusiasts and home builders alike. 

What Does Citibank Offer To Home Depot Customers?

What Does Citibank Offer To Home Depot Customers

Since Citibank is a reliable credit provider for various customers, Home Depot shoppers can rest assured that their credit card finances are well-protected. 

Along with that, customers can also use Citibank’s services for Home Depot’s exclusive project loan scheme. 

This allows customers to make affordable payments towards a large project sum that might be accrued during a major renovation or build. 

Keep in mind that Citibank monitors and manages this option, with low monthly fees and APR subject to qualifying credit approval. 

Is Home Depot A Reliable Company For Store Credit Cards To Build Credit? 

According to U.S.-based customers, Home Depot’s store credit cards backed by Citibank’s financial administration are a great option for safely and swiftly building your credit score. 

Customers can take advantage of great interest rates and managed repayment periods by opting for a Citibank credit loan through Home Depot. 

On average, Citibank has rated three to four stars out of five on various customer rating sites, and many users expressed their satisfaction with low rates and budgeting features. 

Other than that, its national recognition helps to elevate consumer confidence. 

If you want to learn more about Home Depot, you can also see our related posts on what credit bureau does Home Depot use, the Home Depot Project Loan, and Home Depot Pro Xtra.


Home Depot exclusively uses Citibank for all financial considerations, including Citibank’s backing of the Home Depot store credit card, the Home Depot project loan card, and all Home Depot associate payroll administration. 

Since Citibank is a reliable financial institution across America, customers can feel secure in using Home Depot’s credit card services without worrying about the quality of the provider. 

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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