With The Access Account You Get

  • Access to a full range of Citi digital products and services
  • No overdraft fees
  • No paper checks
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Citi is committed to making banking simple and easy to understand. Learn more with
Plain Talk (PDF)

Have Questions or Want to Apply by Phone?

Call 1-800-ALL-CITI

No Paper Checks

Why pay for checks you don't use? With a Citi Debit or ATM card, Online Bill Payment and online account access, you get the banking tools you need — no checks required.

Avoid Overdraft Fees

We'll never approve transactions that exceed the amount of funds in your account, so you'll never have to worry about bounced payments or overdrafts.

Seamless Money Movement

Settle up with friends, pay your bills, transfer funds and deposit checks with digital services that make it easy to move your money.

To Waive the $10 Monthly Service Fee

Make one qualifying direct deposit per month or one qualifying bill payment per month or maintain a $1,500+ combined average monthly balance in eligible linked accounts.1,2

Ready to Apply?

It only takes 10 minutes. Just have a valid ID and your Social Security number ready.

 Or call us at 1-877-362-9100 (TTY 1-800-788-0002) to open an account


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

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

1. 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.

2. 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.