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Simplified Banking with Citi

New to Relationship customers can enjoy Relationship Tier benefits and features when they open an account and keep them if they meet a balance of at least $30,000 within 3 calendar months.1

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To apply with a pre-filled application,
If your account hasn’t been converted to simplified banking, see product & pricing information for account packages.

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Your Path to Relationship Tiers

Open, combine and link to meet minimum balance requirements.

Grow Your Citi Relationship

No matter where you start, you’ll automatically move up and enjoy more benefits once your balance grows to the next Relationship Tier.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.1


On-the-Go Mobile Banking

With the Citi Mobile® App, your money moves with you.2


Enroll in Snapshot to rapidly review key account info without having to sign on

Mobile Check Deposit

Deposit checks quickly from your mobile device2

Citi® Quick Lock

Block new transactions and lock your stolen or misplaced card2

ATM / Branch Locator

Locate 65,000+ fee-free ATMs and find a branch near you2

Citi Banking FAQs

We have the answers for your banking questions.

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Smart Ways to Manage Your Money

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.

Are You Ready to Experience Banking with Citi?

Account Monthly Service Fees* and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.
In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:
Deposit AccountMonthly Service Fee
Access Checking$5.00
Regular Checking$15.00
*Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.
**An Enhanced Direct Deposit (EDD) is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An EDD also includes Zelle® incoming payments and other person-to-person (P2P) payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an EDD.
***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
†Annual Percentage Yield (APY)

Annual Percentage Yield (APY) is accurate as of 07/13/2024 in the location entered upon accessing 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. APY is determined by Rate Region, Relationship Tier and applicable promotion. If you open your account in a physical branch or with a physical branch employee by phone (including video calls), the Rate Region applicable to your account will be the state where the branch is located. If you open your account online (including Citi Mobile®) or by telephone other than a physical branch employee by phone (including video calls), we will use the residential address (not your mailing address) you provide when opening your account to assign your Rate Region.
Citi Accelerate Savings accounts are available in select markets. Applicant(s) with a residential/home (not mailing) address in one of the following locations are eligible to apply to open a Citi Accelerate Savings account: AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
‡Annual Percentage Yield (APY) is accurate as of 07/13/2024. The Composite Annual Percentage Yield (APY) for the Step Up CD is accurate as of 07/13/2024 and is based on the 3 fixed initial interest rates shown for Months 1 through 10, Months 11 through 20, and Months 21 through 30. APYs are subject to change before a term begins for new and renewing CDs. The APY assumes interest remains on deposit in the CD account until maturity. Credited interest may be withdrawn without penalty. A withdrawal will reduce earnings. A penalty will be imposed for early withdrawal of principal. Fees could reduce account earnings. The No Penalty CD allows withdrawal of the full balance and interest without penalty after the first 6 days you make the minimum deposit into your new CD and your deposit has been fully collected. An early withdrawal penalty applies to withdrawals from a No Penalty CD during the first 6 days. Partial withdrawals, including interest withdrawals, from a No Penalty CD are not permitted. $500 minimum deposit required.
APYs based on CD account balance use the applicable balance range to determine your APY and interest rate. Citi may assign the same APY to more than one balance range. Balance ranges include:$0 - $9,999.99$10,000 - $24,999.99$25,000 - $49,999.99$50,000 - $99,999.99$100,000 - $499,999.99$500,000 - $999,999.99$1,000,000+
No Penalty CDs automatically renew without the no penalty feature to a 12 month CD. Step Up CDs automatically renew without the step up feature to a 30 month CD. All other CDs automatically renew at maturity for the same term at the rates in effect on the CD renewal date. There is a grace period of up to 7 calendar days after the maturity date. You can make a change during the grace period without penalty. The CD opening date (renewal date) and maturity date will reset if you make a change during the grace period, and you will not be able to make any changes until the next maturity date without penalty.
For full terms and conditions please view the Client Manual 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
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 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.
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