When You Bank With Citi, You Can:

  • Open a checking account with no minimum opening deposit1
  • Pay your bills online
  • Deposit checks from your mobile device2
  • 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 US4
  • 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 strategies6,7,8
  • In-depth financial guidance with Citi Clarity® One-on-One, Citi's proprietary financial planning process8
  • Access to market insights and world-class investment capabilities8
  • Preferred pricing and rates on select products and services9
  • Ability to earn the highest level of Citi ThankYou® Rewards Points
    offered for a checking relationship5

Citi Priority Package

Priority Banking with Dedicated Support

  • Professional strategies and guidance from a Citi Personal Wealth Management Financial Advisor by phone11
  • Investment resources to simplify your financial decisions8
  • Preferred pricing and rates on select deposit products and services9
  • Ability to earn a higher level of Citi ThankYou Rewards Points offered for a checking relationship5
  • A robust library of online financial education articles and tools

The Citibank Account Package

Full-Feature Relationship Checking

  • Ability to earn Citi ThankYou Rewards Points5
  • No Citi fee for using non-Citi ATMs when monthly balance requirements are met3
  • 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

Deposit accounts are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.

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

2. 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.

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.

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. 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 products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services 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 0G567460). 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.

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

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

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

10. Requires a checking account in The Citigold Account Package. There is no monthly service fee for accounts in The Citigold Account Package. 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 The 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.

11. 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# 4129154, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services 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 0G567460). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

12. 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.

13. 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.

14. 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.

15. The annual fee for Citi Personal Wealth Management Investment accounts is waived when the account is linked to a Citigold Account or Citi Priority Account.

16. 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.

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

18. 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.

19. 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.

20. Annual Percentage Yield (APY) is accurate as of 10/30/2018. 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.

21. 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.

22. 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.

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