With The Citibank Account You Get

  • Ability to earn Citi ThankYou© Rewards Points1
  • No Citi fee for using non-Citi ATMs when monthly balance requirments are met2
  • Option to earn interest on your checking account balance
  • Potential to earn higher interest rates on savings and money market accounts

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
Compare Checking packages

Citi ThankYou Rewards

Enroll in Citi ThankYou Rewards and earn points for eligible linked products and services.1

Free Checks

Your first standard checkbook order is on us.

Ability to Waive Citibank ATM Fees

Get fee-free access to thousands of Citi ATMs.3 Plus no Citibank ATM fee when using a non-Citi ATM as long as you meet monthly minimum balance requirements.2

Get More With a Linked Savings Account

By using the combined checking and savings online application, your Citi Savings account will be opened and linked within the Citibank Account Package that determines interest rates, benefits and more. It's a convenient way to help meet balance requirements.
Learn more about Citi Savings

To Waive the $25 Monthly Service Fee

Maintain a combined average monthly balance of $10,000+ in eligible linked deposit, retirement and investment accounts.

Earn Interest

Enjoy the option of a checking account that pays interest on your balance.
See all rates

Ready to Apply? Open a checking account, or a checking and savings account together.

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?

1-800-745-1534
(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. 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 (US.) with a valid US. 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.

2. 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.

3. 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.