With the Basic Banking Account You Get

  • Unlimited check writing
  • Special perks for those 62 and older
Compare Checking packages

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

Unlimited Check Writing

Write as many checks as you need and have checks sent directly from your account using Online Bill Payment.

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.

Free ATM Access

Get fee-free access to thousands of Citi ATMs.4 Plus no Citibank ATM fee when using a non-Citi ATM if first listed account owner is 62 or older.3

To Waive the $12 Monthly Service Fee

Make one qualifying direct deposit and one qualifying bill payment per statement period or maintain a $1,500+ combined average monthly balance in eligible linked accounts.1,2 Fee also waived when first listed account owner is 62 or older.

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
 We're available daily, 9AM to 11PM ET


Already Applied?

(option 1) to check your status
We're available Mon-Fri, 8AM to 5PM ET. Have your reference number ready
(it's in the email you received after applying).

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.

3. 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.

4. 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 the United States at Citibank branches, Citibank branded ATMs at other locations and ATMs participating in the MoneyPass© Network. Not all ATMs owned or operated by Citibank. Not all functions available at all ATMs. Use the Citi Locator Worldwide ATM / Branch Locator on Citibank Online or the Citi Mobile© App to find the nearest ATMs and branches including non-Citibank ATMs in the U.S. with fee-free access.