When you bank with Citi, you can:

  • Open a checking account with no minimum opening deposit16
  • Pay your bills online
  • Deposit checks from your mobile device17
  • Settle up with friends using person-to-person payment services
  • Easily move money between your Citi and non-Citi accounts
  • Set up balance and payment alerts
  • Get access to entertainment and dining perks with Citi® Private Pass using your Citi Debit Card
  • Add your Citi Debit Card to mobile wallets
  • Use thousands of fee-free ATMs throughout the US7
  • Access even more benefits, including the opportunity to enroll in Citi ThankYou® Rewards with an eligible checking package19

Citigold® Package

Banking and Wealth Management

  • Your own dedicated team, including a Citigold Relationship Manager for your banking needs, and a Citi Personal Wealth Management Financial Advisor for investing strategies14,20,32
  • In-depth financial guidance with Citi Clarity® One-on-One, Citi's proprietary financial planning process20
  • Access to market insights and world-class investment capabilities20
  • Preferred pricing and rates on select products and services21
  • Ability to earn the highest level of Citi ThankYou® Rewards Points
    offered for a checking relationship19

Citi Priority Package

Priority Banking with Dedicated Support

  • Professional strategies and guidance from a Citi Personal Wealth Management Financial Advisor by phone33
  • Investment resources to simplify your financial decisions20
  • Preferred pricing and rates on select deposit products and services21
  • Ability to earn a higher level of Citi ThankYou Rewards Points offered for a checking relationship19
  • A robust library of online financial education articles and tools

The Citibank Account Package

Full-Feature Relationship Checking

  • Ability to earn Citi ThankYou Rewards Points19
  • No Citi fee for using non-Citi ATMs when monthly balance requirements are met18
  • Option to earn interest on your checking account balance
  • Potential to earn higher rates on savings and money market accounts

Basic Banking Package

Simple Checking

  • Unlimited check writing
  • Special perks for those 62 and older

Access Account Package

Affordable Access Banking

  • Access to full range of Citi digital products and services
  • No overdraft fees
  • No paper checks

 Or call us at 1-800-ALL-CITI to open an account or learn more


INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Terms, conditions and fees for accounts, products, programs and services are subject to change.

1. Requires a checking account in The Citi Priority Account Package.

2. Rates as of [04/27/2017]. Current variable Annual Percentage Rate (APR): [19.25%]; [16.25%] variable APR with The Citigold Account Package and The Citi Priority Account Package. If you are in default, your variable APR may increase by 2.00%. Citibank will charge an Overdraft Protection Transfer Fee of $10 on the day we cover overdrafts by transferring money from your Checking Plus account or your Checking Plus® (variable rate) account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. This fee is waived for The Citigold® Account Package, Citi Priority Account Package, Access Account Package (as of July 18, 2014, new checkless Regular Checking Accounts in an Access Account Package cannot have a linked Checking Plus (variable rate) account) and Citi Private Bank customers. Overdrafts and Overdraft Protection Transfer Fees can be avoided if fund transfers are taken in advance via online, phone or ATM.

3. Rates as of [04/27/2017]. Variable Annual Percentage Rate (APR) with The Citigold Account Package and The Citi Priority Account Package can be as low as Prime plus [0.34%] (currently [4.59%] variable APR) and as high as Prime plus [3.24%] (currently [7.49%] variable APR).

To qualify for the lowest rate, customers must have either the Citigold Account Package or the Citi Priority Account Package, meet relationship balance requirements (as of the closing date); have excellent credit, use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment; meet certain loan-to-value and lien-position requirements; take an initial draw of at least $25,000 at closing; and have a line amount of at least $100,000. Rates will vary depending on the state where the collateral property is located. Additional rate discounts may apply. The variable APR is indexed to the Prime Rate as published in the "Money Rates" section of The Wall Street Journal.

Maximum APR is 18.00%. Annual fee: $50 during the draw period (not applicable if collateral property is located in Texas) and waived for customers enrolled in The Citigold Account Package and The Citi Priority Account Package. Customers who elect to pay closing costs will receive an additional rate reduction (not applicable if the collateral property is located in Texas). Closing costs can range from approximately $672 to $18,217, except in New York where they can range from approximately $716 to $24,527. Closing costs may vary based upon the line amount, property location and title insurance required.

An Early Closure Release Fee may be charged to recover all costs incurred for originating your loan and may apply if you close your account within 36 months (not applicable if collateral property is located in Texas). Property insurance and the fee to release an existing mortgage may be required. Applicable for loan sizes up to opencitipriorityaccount million. No 3rd lien positions. Home Equity Lines of Credit are available to U.S. residents only.

Home Equity Lines of Credit with an interest-only draw period require the borrower(s) to have $200,000 or more in personal assets with Citi, or $1,000,000 or more in combined personal assets with Citi and other financial institutions. Personal assets include assets such as deposit, checking, savings, money market, investment, Certificates of Deposit, stocks and bonds, retirement, mutual fund, annuities and trust accounts.

For lines with an interest-only draw period, your monthly minimum payments during the draw period can be as low as "interest-only." If you choose to pay only the amount of interest due, then at the end of the interest-only period you will still owe the original amount you borrowed and your monthly payments will increase because you must pay back the principal as well as interest. Your payment could increase even more if your variable rate increases.

Home Equity Lines of Credit with an interest-only draw period are also available in combination with a Citi mortgage. Please speak to a personal banker for more details.

4. Rates as of [04/27/2017]. Your APR may be as low as [9.24%] variable APR or as high as [21.24%] variable APR (may vary by state). To qualify for the lowest rate, customers must use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment, meet eligible Citi relationship balance requirements, and have a good credit history. Lower rates are available for Citigold and Citi Priority customers and customers with $200,000 or more in eligible Citi relationship balances. If you are in default, your Annual Percentage Rate may increase by 2.00%. Annual Fee of $50 waived for Citigold and Citi Priority customers and anyone who takes a loan or makes a payment on their account once during the year.

5. As a Citi Priority client, you can receive banking and lending services, including The Citi Priority Account Package, from Citibank, N.A.(Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment guidance from Citi Personal Wealth Management, which is a business of Citigroup Inc. that offers investment products through Citigroup Global Markets Inc. (CGMI), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

6. Fee for first and recurring orders of The Citi Priority Account Package Standard checkbook is waived.

7. Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card in select countries. Transaction amount includes credits and reversals. Citibank customers can get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank ATM or Debit Card at ATMs in Citibank branches and Citibank branded ATMs at other locations. Not all ATMs are owned or operated by Citibank. Not all functions are available at all ATMs.

8. Information in this column applies to all other Citibank banking packages except for The Citigold Account Package and The Citi Priority Account Package.

9. The annual fee for your Citi Personal Wealth Management investment account is waived when the account is linked to a checking account in The Citigold Account Package or The Citi Priority Account Package.

10. All home loans and lines are made by Citibank, N.A., NMLS #412915 equal housing lender, and are subject to Citibank’s mortgage qualifications. Citigroup Global Markets Inc. and Citibank, N.A are subsidiaries of Citigroup Inc.

All home loans and lines are made by Citibank, N.A., equal housing lender, and are subject to Citibank’s mortgage qualifications. In CT and NJ, Citigroup Global Markets Inc. is the BROKER ONLY, NOT THE LENDER. Citigroup Global Markets Inc. is a registered mortgage broker, NYS Banking Department. In AZ, Citigroup Global Markets Inc. is a licensed Mortgage Broker (Lic. No. 0903067). Citigroup Global Markets Inc. and Citibank, N.A, are subsidiaries of Citigroup Inc.

11. Citigold Balances of $200,000 - $999,999.99 receive 1/4% off interest rate

Citigold Balance of $1 million + receive 3/8% off interest rate

If you currently have or intend to open a consumer account with Citi within 5 days of receiving full loan approval, those balances can either reduce your interest rate or provide you with a closing cost credit as shown in the table above. The balances in a Citibank consumer account will be calculated based upon the assets you will have after any down payment and/or closing costs.

Eligible accounts include a personal consumer Citibank deposit account (for example, checking, savings, certificates of deposit or money market account) and include investments and IRA's held in linked Citigroup Global Markets Inc. (“CGMI”), as well as annuity positions shown on linked CGMI Account statements. Tax qualified annuities that qualify under sections 401, 403, or 457 of the Internal Revenue code cannot SAME AS NEW CG #4:be counted as an eligible account; nor can Citibank business accounts and business retirement accounts. IRAs with participants other than the account owner and their spouse, or partner cannot be counted as an eligible account. If you are interested in Citi’s banking account relationship offers, please contact your Home Lending Officer or Mortgage Representative. Automated monthly transfers of the mortgage payment from a Citibank personal deposit account are required. Speak to your loan officer about whether the relationship offer is best for you.

Citibank mortgage relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank mortgage relationship pricing is subject to change without notice.

12. Citigold customers are required to maintain a minimum combined average monthly balance of $200,000 in eligible linked deposits, retirement and investment accounts. If you do not maintain the minimum combined average monthly balance requirement, your Citigold Account Package will convert to The Citi Priority Account Package with different terms and conditions. If your account is converted to a different banking package, we'll contact you and send complete information about the banking package to which your account is converting. Combined average monthly balances in the linked accounts within your Citigold Account Package for the calendar month prior to the last Business Day of your monthly statement period will be used to determine eligibility for The Citigold Account Package.

13. Fee for the first order of Citibank Account Package standard checkbook order is waived.

14. As a Citigold client, you can receive banking and lending services, including The Citigold Account Package, from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment guidance from Citi Personal Wealth Management, which is a business of Citigroup Inc. that offers investment products through Citigroup Global Markets Inc. (CGMI), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

15. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are eligible for Citigold. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts.

16. For the full terms and conditions, see both the Client Manual: Consumer Accounts and the Marketplace Addendum.

17. Citibank does not charge you a fee for using the Citi Mobile® Check Deposit service. However, charges from your wireless carrier may apply. Regular account charges apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.

18. Fees charged by other institutions for your transactions on non-Citibank ATMs are beyond Citibank's control and are in addition to the fees listed here.

19. Separate enrollment of eligible consumer checking account in Citi ThankYou® Rewards required. Eligible customers with a checking account in the Citi Private Bank Account, Citigold Account, Citi Priority Account or The Citibank Account Packages can enroll their checking accounts in ThankYou Rewards. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. taxpayer identification number. Taxes, if any, are customer's responsibility. You must complete 1 qualifying Bill Payment and 1 qualifying Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. Citigold®, Citi Priority and Citi Private Bank clients who do not complete these transaction requirements can earn points at a reduced level. For complete details, see the Citi ThankYou® Rewards Terms and Conditions.

20. Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products through Citigroup Global Markets Inc. ("CGMI"), member SIPC.

21. Requires a checking account in a Citigold or Citi Priority Account Package. Accounts are subject to approval.

22. If you do not maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to a Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package. We will contact you prior to account conversion and send you complete information about the banking package to which your account will be converted.

23. Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency.

24. Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking® (including bill payments made using Citibank's Telephone Automated Bill Payment Service and Staff Assisted Bill Payments), Citibank® Online, CitiBusiness® Online and Citi Mobile®. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates.

25. The same rate may be assigned to more than one balance range. We may offer different rates for the Citi® Savings account depending on your account package and if that account package contains a linked checking account.

26. Check writing capability is not available for Citi® Savings accounts opened in the Access Account Package.

27. Due to Federal regulation, you can only make 6 transfers out of each of your savings or money market account(s) during any statement period.

28. Citibank does not charge you a fee for using the Citi Alerting Service. However, your wireless carrier may charge you for receiving the text messages you receive from us related to this service.

29. Annual Percentage Yield (APY) is accurate as of 06/08/2017. A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term. Minimum opening deposit requirements may apply.

For Citigold Private Client rates, please contact your Private Client Advisor or call Citigold Private Client customer service at 1-877-309-0914 or 1-813-604-3080 (toll free within the US).

To receive a premium rate for your Certificate of Deposit, you must have a linked checking account in a Citigold® or Citi Priority Account Package, and the checking account must be your primary account. Different rates and terms may apply to a CD held in an Individual Retirement Account (IRA). Please call 1-800-695-5911 for details.

30. Due to Federal regulation and subject to potential IRA withdrawal penalties, taxes and other restrictions, you can only make 6 transfers out of each insured money market account in a banking IRA during any statement period.

31. For the full terms and conditions for IRAs see both the Citibank Traditional IRA Plan Documents or the Citibank Roth IRA Plan Documents. Please be sure to consult your tax advisor for your own situation.

32. Requires a checking account in a Citigold Account Package. Accounts are subject to approval.

33. Citibank, N.A. (Citibank) provides banking and lending services, including The Citi Priority Account Package and The Citibank Account Package. Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products through Citigroup Global Markets inc. ("CGMI"), member SIPC. Citigroup Life Agency LLC ("CLA") offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (License Number 0G56746). Citibank, CGMI and CLA are affiliated companies under the common control of Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

Regular account charges apply. MoneyPass® is a registered trademark of U.S. Bank National Association. Publix® is a registered trademark of Publix Asset Management Company.

© 2017 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.