With Citigold You Get

  • Your own dedicated team, including a Citigold Relationship Manager for your banking needs, and a Citi Personal Wealth Management Financial Advisor for investing strategies 1,2
  • In-depth financial guidance with Citi Clarity® One-on-One, Citi's proprietary financial planning process3
  • Access to market insights and world-class investment capabilities, including Online/Mobile $4.95 equity trades with Citi Personal Wealth Management3
  • Preferred pricing and rates on select products and services4
  • Ability to earn the highest level of Citi ThankYou® Rewards Points offered for a checking relationship5

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No Monthly Service Fee for Citigold:

To remain a Citigold client, maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts. There is no monthly service fee for accounts in The Citigold Account Package6

A Dedicated Team

Get professional financial guidance and personal service from your Citigold Relationship Manager and Citi Personal Wealth Management Financial Advisor - a dedicated team, working together to help you make the most of all Citi has to offer.1,2

24/7 Support

As a Citigold client, your satisfaction is our top priority. Get anytime, anywhere support at 1-888-CITIGOLD

Global Benefits

Enjoy reduced or waived wire transfer fees, waived foreign exchange fees, international travel services like World Wallet foreign currency delivery and access to emergency cash.7,8,9,10

Plus, You’ll Get:

  • Unlimited refunds of non-Citi ATM fees11
  • Waived overdraft protection transfer fees12
  • Waived fees for standard checkbook orders, stop payments, incoming wire transfers and money orders
  • Exclusive travel services like Citigold Home Connect and access to our Citigold Lounge13

Preferred Pricing

Get preferred pricing and premium rates on select deposit products2, plus preferred pricing on select loans and lines of credit.14
See all deposit account rates

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 Citigold Account Package that determines interest rates, benefits and more. It’s a convenient way to help meet balance requirements.
Learn more about Citi Savings

Learn more about Citigold


Ready to Apply? Open a Citigold Interest 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?

(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. 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.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

©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.

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

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

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

5. 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.

6. 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.

7. Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico. 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.

8. If the Citibank Global Transfer is made in foreign currency, the exchange rate includes a commission for the currency conversion. Citibank Global Transfers initiated from a U.S. savings or money market account are included in the six preauthorized or automatic transfers permitted each statement period. Transfer limits are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. Customer must have a checking, savings or money market account to send a Wire Transfer. Wire Transfer is available only in participating locations. Local terms and conditions may apply. Daily and weekly transaction limits apply. Customer is responsible for complying with local laws and regulations.

9. Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service. Restrictions and delivery charges may apply.

10. Limits, restrictions and fees may apply and vary by country. Not available in all countries.

11. 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.

12. Citibank will charge an Overdraft Protection Transfer Fee of $10 on the day overdrafts are covered by transferring money from your Safety Check Contributing Account, 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 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. Rates as of 06/09/2017. Current variable Annual Percentage Rate (APR) for Checking Plus (variable rate) is 18.50%; 15.50% with the Citigold and Citi Priority Account Packages. If you are in default, your variable APR may increase by 2.00%.

13. Access a Home Connect Customer Service Representative by calling the international collect number for Citibank customers at 210-677-0065. For Citigold customers, call 1-800-CITICODE or call collect at 210-677-3789.

14. Loans and lines subject to credit approval. Certain limitations may apply. Home Equity loans and Lines of Credit offered through Citibank, N.A., NMLS ID #412915, Member FDIC and Equal Housing Lender.

© 2018 Citigroup. Citi, Citi with Arc Design, Citi Mobile, Checking Plus, ThankYou, Citi ThankYou and Citigold are registered service marks of Citigroup Inc. Citigold Conversation is a service mark of Citigroup Inc.