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Citi Banking Overview

Support at your financial milestones

Choose trusted expertise combined with modern digital convenience.

Start your application
200+ years experience
Citi combines over 200+ years of industry leadership with technological innovation to help meet your financial goals
Citi Premium Boost
Eligible Customers in a Relationship Tier can turn common banking activities into opportunities for higher interest rates3
Your financial center
Pair banking with our suite of services, including mortgage, lending and investments to help you reach your financial goals2

Everyday benefits of banking with Citi

Whether you have Regular Checking, Access Checking or Citi Savings, we’ll provide you with everyday benefits designed to deliver convenience.

Access 65,000+ fee-free ATMs

Get cash at Citibank branches and at select Target, CVS, Walgreens and other neighborhood stores1,2

No Overdraft Fees

We don’t charge Overdraft, Returned Item or Overdraft Protection Transfer fees2

Earn cash back

With Citi® Merchant Offers, earn savings on shopping, dining, travel and more with your Citibank® Debit Card

Get more with Citi’s Relationship Tiers

No matter where you start, we will help you make the most out of your account by automatically moving you into the Relationship Tier that aligns to your Combined Average Monthly Balance (CAMB), which includes Checking, Savings, CD and Investment balances.1

To remain in your Relationship Tier, you need to make sure your Combined Average Monthly Balance doesn’t drop below your Relationship Tier’s minimum Balance Range for 3 consecutive calendar months. Complete Required Activities for the Relationship Tier you are in at the time the activities are performed.1

INVESTMENTs: NOT FDIC insured • NO Bank guarantee • May lose value

Ready to apply?

  1. Select your account type

    Choose from Regular Checking for daily use, Citi Savings for your future or both — all in the same application.

  2. Choose your benefits

    Select everyday benefits or a Relationship Tier based on the funds you plan to move to Citi. If you are a New to Relationship Customer, you can enjoy benefits of Citi Relationship Tiers upon account opening.1

  3. Fund your account

    Once your application is approved and account opened, fund your account and maintain the balance requirements for your Relationship Tier. This can be done by setting up Direct Deposit or scheduling ACH transfers.

Apply online now
Start your application
Apply in person
Schedule an appointment

Looking for a simpler, lower cost option?

If you don't use paper checks, Access Checking includes a $5 Monthly Service Fee and no Overdraft Fees with the limited ability to overdraw your account as certain transactions won't be authorized.1, 2
Explore Access Checking

Benefits that stand out

Go beyond Direct Deposit

At Citi, we believe banking should work for you. That's why we count more than just traditional direct deposits when determining your eligibility for Monthly Service Fee waivers and Citi Premium Boost. Zelle® incoming payments, Bank ACH transfers and ACH payments made through Venmo, PayPal or other digital payment are all qualifying transactions.2

Learn more  

Faster benefits with Tier Acceleration

You don’t have to wait 3 months to change your Relationship Tier. When you sign up for Tier Acceleration, we will review your eligible balances every month.1

Learn more  

Share your benefits with Family Linking

Share your benefits with Eligible Family Members and have Citi consider all your balances when determining your Relationship Tier.1

Learn more  

Curious about our bonus offers?

Check featured offers

Supporting your financial journey

When it comes to your finances, knowledge is power. Stay on top of managing your money and savings with financial education resources that can help you achieve your goals.

Citibank account FAQs

We have the answers to common banking questions.

Citi’s simplified banking offers Checking, Savings and Certificate of Deposit (CD) accounts to help you with your finances. You can choose between an Access Checking or Regular Checking account depending on your banking needs. With savings account offered by Citi, you can earn interest, get access to cash and save seamlessly with automatic transfers. In addition, Citi offers multiple CD term options ranging from three (3) months to five (5) years. You can enjoy Relationship Tier benefits and features when you open and maintain an eligible deposit account in addition to meeting a Balance Range of at least $30,000 within three (3) calendar months. Note: some benefits will vary, depending on which types of accounts you have.1
Citi’s Relationship Tiers are Citi Priority, Citigold®, Citigold® Private Client. Only customers who own an eligible deposit account (see EDI) are eligible for Relationship Tiers. Each Relationship Tier provides a seamless experience for customers by ensuring you have access to the best benefits and features for which you qualify. Relationship Tiers begin at $30,000 with Citi Priority, and are followed by Citigold® and Citigold® Private Client.
The Combined Average Monthly Balance (CAMB) is a feature of simplified banking that links all your consumer Eligible Deposit and Investment (EDI) accounts — such as checking, savings, CDs, and certain retirement and investment accounts. A higher CAMB can help you qualify for Relationship Tiers, which may unlock benefits like waivers for Monthly Service Fees and non-Citi ATM fees, and provide a single consolidated monthly statement for your deposit accounts.
Additionally, you may be able to increase your household's CAMB through Family Linking. This feature allows you to link your balance with those of your immediate family members who live at the same address. By combining your balances, Family Linking may allow you and your family to unlock higher Relationship Tiers and enjoy the associated benefits together.
For more information on CAMB and Family Linking, refer to the Consumer Deposit Account Agreement.
To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.
To get started with Citibank Online, you’ll first need to open an account with Citi. Then, you’ll need your Citi Credit/Debit Card or Bank Account number to set up online access.
Once you’ve gathered all the necessary information, go to citi.com/register and follow the steps. You’ll need to enter the last four digits of your Social Security number or Individual Taxpayer Identification number and create a username and password.
Getting started with Citi’s mobile banking requires a few simple steps:
  1. Open an account with Citi.
  2. Visit citi.com/register to set up your sign on information and security authentication. This will require you to enter the last four digits of your Social Security number or Individual Taxpayer Identification number and set up a username and password.
  3. Download and open the free Citi Mobile® App2 using the same sign on information you set up on citi.com. Alternatively, you can set up your sign on information and security authentication directly in the Citi Mobile® App.
Once you’ve followed these steps, you’ll be able to access mobile banking with ease.
To make a Mobile Check Deposit2 with your Citi account, you’ll first need to sign on to your Citi Mobile® App2 then select “Payments” from the menu. Once there, select “Deposit Checks.” To complete a one-time enrollment before using the service, review and accept the Terms & Conditions. Select the account you’re depositing the check into and enter the amount of the check (limits may apply). Once you’ve filled in those details, endorse your check and take a picture of the front and back through the mobile app. Tap “Submit” to upload the photos, and you will receive a confirmation email from Citi to let you know your check has been deposited.
An online wire transfer allows you to send money from your Citibank account to accounts at other financial institutions in the US and internationally. Depending on the international destination, a wire may be sent in USD or in the local foreign currency.
To initiate a domestic wire transfer, you’ll need the payee’s name, account number and routing number. For international wires, you’ll need the currency in which the payee’s account is held, the payee’s name, foreign address, account number and destination routing information.
  • Start with the “Add Payee” step by choosing the wire destination, currency (for foreign wires) and adding the payee’s details. (For your protection, the initial wire transfer to a new payee may be held for up to two (2) business days for review)
  • Complete a one-time Wires Enrollment (this step is only required for first-time wires)
  • Send money to your payee
Sign on to initiate a wire transfer via Citi’s Payment Hub.
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
Legal Disclosures and Information
In order to use digital features on Citi Online or the Citi Mobile® App including merchant offers and money movement products, like Mobile Check Deposit and Zelle® payments, you must agree to receive monthly statements and some legal notices electronically, only, when setting up digital access if you have not previously agreed. You can change your delivery preferences at any time after registration by managing the paperless settings for your account, and you'll continue to have access to digital features.
†Annual Percentage Yield (APY) is accurate as of 10/25/2026. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings.
For full terms and conditions please view the Consumer Deposit Account Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.
Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.
Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.
Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses.
Certain other trademarks listed above are owned by third parties not affiliated with Citibank.
World Wallet® services are provided by Citibank, N.A. World Wallet is a registered service mark of Citigroup, Inc.
©2026 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.
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