What is a CD account?

A Certificate of Deposit, or CD account, is a time deposit account that allows you to save and earn a fixed interest rate by locking your money away for a specific length of time called the CD term. You get to choose how long you want to lock your money away, and Citi offers terms ranging from 3 months to 5 years. In addition to the standard Fixed Rate CDs that apply a penalty for early withdrawal, Citi also offers No Penalty CDs. These CDs don't have early withdrawal penalties beginning seven days after the No Penalty CD is funded. These CDs also pay guaranteed rates but offer more flexibility and access to your money by allowing you to withdraw your full balance without penalty, beginning seven days after the No Penalty CD is funded. Citi also offers Step Up CDs with a fixed interest rate that automatically increases every 10 months for the CD term. An early withdrawal penalty will apply for Step Up CDs. Therefore, it's important to check which type of CD you have and the specific terms and conditions for that CD type.

How is a CD account different from a savings account?

A CD and savings account are similar since you can earn interest on the money you save through both. With a CD, the interest rate will not change after you open the CD account until the term of the CD has ended. CDs, like savings and money market accounts, are insured up to FDIC limits.2 Thus, the main difference between a CD and a savings or money market account is that with a savings or money market account you can access your money at any time without penalty, but the interest rate can change. However, with a CD, you can't easily access your money during the CD term, and the interest rate won't change during the CD term. If you need to access your money before the CD term ends, you will be required to pay a penalty for early withdrawal. CDs may also offer higher interest rates in comparison to a savings account.

Are Citi CDs FDIC insured?

All Citi CDs are insured up to Federal Deposit Insurance Corporation (FDIC) limits.2

How would I renew a CD?

An important feature of a CD account is that when the CD term ends (called the CD Maturity Date), if you do not make changes, the CD will automatically renew for the same term at the interest rate available at that time. Once your CD renews, the funds will be locked once again for a new term until the next CD Maturity Date. If you don't want your CD to automatically renew, you will have up to a 7-calendar day period (called the Grace Period) to close the CD without penalty. During the Grace Period, you also can make changes such as adding or withdrawing money from your CD, or changing to a different term. If you complete one of those actions, your Grace Period will end, your opening date will reset and a new CD Maturity Date will apply. Before your CD matures, Citi will remind you of your upcoming CD maturity by sending you a CD Notice of Maturity approximately 30 days before your CD Maturity Date. You also can set up digital reminders of your upcoming CD Maturity Date. You can renew and make changes to your CD online by logging into Citi.com or on the Citi Mobile® App. You also can call us or visit a branch.

How and when will I receive my CD interest payments?

You can choose to have your interest payment credited to the CD account or to a linked Citi transaction account, such as a checking, savings or money market account. Your interest payment frequency depends on the CD type and term length. For CDs with terms of 1 year or less, you can select for interest to be credited either monthly or at maturity. For the No Penalty CD and CDs with terms greater than 1 year, interest is credited monthly. You can withdraw interest from your CD without penalty, at any time during the term after it has been credited. If your CD automatically renews after the grace period, your interest is added to your principal balance and can't be withdrawn without penalty until the next CD Maturity Date. Interest on CDs is compounded daily. If you select to have interest credited to another account, this may reduce your APY since the APY assumes interest remains on deposit in the CD account until maturity.

What would be the penalties for early withdrawal of funds from a CD?

Penalties will depend on the type of CD, the CD term, the amount of principal withdrawn, and the interest rate. To learn more about the specific penalties for each CD, please review the terms and conditions for Certificates of Deposit in the Consumer Deposit Account Agreement.

Are there any fees for opening a CD account online?

No. There are no fees for opening a CD account online with Citi.

Can I make a partial withdrawal or add money to my No Penalty CD?

No. You can't partially withdraw your money from a No Penalty CD. However, you can withdraw your full account balance beginning seven days after your account has been opened and funded. Additionally, once your account has been opened and funded, you won't be able to add additional money during the term of the CD. You will have the opportunity to add money once your CD matures and has entered the grace period.

Can I renew any term or type of CD into any CD term or type?

Yes, when renewing your CD, you can choose any CD term or type based on your financial goals.

Open a Certificate of Deposit

Choose a CD Term & Apply

CITI^® CERTIFICATES OF DEPOSIT

Q: What do I need to open a CD account online?

To apply for a CD account online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You will need to provide: 1. Your date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification Number, and 2. Personal information, including your name and a physical address in the U.S. Once you provide this information, you can follow the steps to choose your funding option and submit your application for a CD account.

Save with Guaranteed Interest Rates

Open a Citi^® Certificate of Deposit (CD) to earn a guaranteed interest rate during the CD term.

Grow Account Balances

Open a New Account

Open a CD account and combine balances with your other deposit accounts.¹

Combine Citi Accounts

Other Citi Eligible Deposit and Investment accounts count toward the balance requirement for Relationship Tiers.¹

Enroll in Family Linking

Immediate family members who live with you can combine balances to access Relationship Tier benefits sooner.¹

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

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CD Basics

What can I expect from my CD?

Low Risk

Set your money aside in a CD and watch your funds grow with a guaranteed interest rate for the term of the CD.

FDIC Security

Your CD is FDIC-insured up to FDIC limits.²

Multiple Terms

Save for now or the future with CD terms from 3 months to 5 years.

Ready to Apply?

Give us a call

Call to apply if you’re a new Citi customer depositing more than $250,000.

1-800-321-2484

For TTY: We accept 711 or other Relay Service.

Apply online

Visit a branch

Visit us in person if you’re a new Citi customer depositing more than $250,000.

Schedule an Appointment

Certificate of Deposit FAQs

We have answers to your Certificate of Deposit questions.

Looking for Other Savings Options?

Citi Savings

Enjoy easy access to your funds while you earn interest with a Citi Savings Account.

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Investing with Citi

Invest with us through self-directed trading, professional guidance and more from Citi Personal Wealth Management.

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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.

Both saving and investing are important for different long- and short-term goals. Discover a balanced mix of saving and investing that's right for you.

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

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Pricing & Fee Waivers

CD accounts do not have monthly service fees.


Deposit Account	Monthly Service Fee	Options to Waive the Monthly Service Fee
Access Checking	$5.00	If you receive at least $250 in Direct Deposits or other qualifying transactions* in a calendar month, or are age 23 or younger, or are in a Relationship Tier, you will not be charged a Monthly Service Fee for that month on the first Business Day of your next Statement Period.
Regular Checking	$15.00	If you are in a Relationship Tier or receive at least $250 in Direct Deposits or other qualifying transactions* in a calendar month, you will not be charged a Monthly Service Fee for that month on the first Business Day of your next Statement Period. Important Information: Starting January 1, 2027, customers must either be in a Relationship Tier or have $1,000 or more in Direct Deposits or other qualifying transactions* to not incur a Monthly Service Fee.
Citi Savings	$4.50	If you are in a Relationship Tier, or any owner of your Citi Savings account also owns a Regular or Access Checking account, or your Citi Savings account has an Average Monthly balance of $500 or more, you will not be charged a Monthly Service Fee for that month on the first Business Day of your next Statement Period.

Your Statement Period may not cycle on the first day of the calendar month. 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 Consumer Deposit Account Agreement and 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. Accounts with zero balances are subject to closure after 90 days.

* Direct Deposit means an Automated Clearing House (ACH) credit posted to your account via payroll, pension, or government payments. Other qualifying transactions include money received when processed through the ACH Network, including other ACH transfers and payments received from another financial institution and payments from Zelle® and other payment apps like Venmo or PayPal when processed as ACH transfers. Transfers from other banks or payment apps not via the ACH Network, mobile check deposit, funds deposited at a branch or ATM, transferring money from one Citibank account to another, or money received via a wire transfer are excluded. Note: Citi may refer to Direct Deposits and other qualifying transactions as Enhanced Direct Deposit.

Relationship Tier & Re-Tiering Information

Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account ("New to Relationship customers") may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. For customers with the Premium Boost Rate, the Relationship Tier decision made by New to Relationship customers when they open their account may impact Monthly Service Fees and the rate applied to their Citi Savings accounts.
We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month.
*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Consumer Deposit Account Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are excluded from EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, certain personal investment companies and non operating entities, accounts in a money purchase plan or profit sharing plan, certain accounts in a tax-qualified education savings plan, and accounts opened through Citi Global Wealth at Work, and Citi Private Bank

Family Linking

If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members ("Members"), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Consumer Deposit Account Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts.

Non-Citi ATM Fee

There is no charge for making cash withdrawals with a Citibank Banking Card at Proprietary Citibank ATM locations in the U.S., but Citibank will charge you a $2.50 "Non-Citi ATM fee" when you use a Network ATM other than at a location within our surcharge-free network. Non-Citi ATM fees are waived for customer in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month.

Calculator

Calculator results are intended for illustrative purposes only. The calculator results for a traditional CD or a CD ladder are intended for illustrative purposes only. Estimated interest earned is based on assuming a year has 365 days. Your actual Interest Earned may be different. These calculators are not intended to offer any tax, legal, or financial advice and do not guarantee your eligibility for any specific product(s). The CD Ladder Calculator assumes that as each CD in the ladder matures, it is automatically renewed for the term, interest rate, and Annual Percentage Yield (APY) associated with the longest-term CD in the laddered portfolio. Calculator assumes each CD has a fixed interest rate that does not change during the term of the CD and interest is not withdrawn before maturity. You earn the APY and interest rate in effect on the day your CD is opened or renewed. Rates are subject to change at any time without notice before CD account opening or renewal. Penalties apply for early withdrawal. A withdrawal will reduce earnings. Fees may reduce earnings.

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Please review your Consumer Deposit Account Agreement for a complete list of waived and reduced fees.

Not all benefits are available at account opening.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Everyday Benefits

All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.
You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.
65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank^® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass^® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi 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 surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.
Citi Mobile App and Mobile Check Deposit. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile app or the Mobile Check Deposit service. However, you must have a Web-enabled cell or smartphone to use the Citi Mobile app or Mobile Check Deposit service and charges from your wireless carrier may apply. Citibank is not responsible for products and services offered by other companies. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.
Zelle^® Payments To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. For the protection of your account, Zelle^® should only be used to send money to friends, family or others you trust. Sending money with Zelle^® is similar to making a payment in cash. Neither Citibank nor Zelle^® offers purchase protection for payments made with Zelle^® - for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Citi Priority Benefits

Everyday benefits information above, plus:

As a client in the Citi Priority Relationship Tier, you can receive banking and lending services 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 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi does not provide tax or legal advice.

Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.
Increased Limits. Increased limits for Zelle^® transfers, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier. Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle^® or you have made a change to your enrolled phone number, email address or linked account number.
Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Consumer Deposit Account Agreement. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service.

Citigold Benefits

Citi Priority benefits information above, plus:

As a client in the Citigold Relationship Tier, you can receive banking and lending services 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 0G56746). Wealth 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.

Citi does not provide tax or legal advice.

Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Consumer Deposit Account Agreement for additional information.
ATM Fee Reimbursement. 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 in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.

Citigold Private Client Benefits

Citigold benefits information above, plus:

As a client in the Citigold Private Client Relationship Tier, you can receive banking and lending services 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 0G56746). Wealth 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.

Citi does not provide tax or legal advice.

Higher Mobile Check Deposit Limits. The higher mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the Mobile Check Deposit Service User Agreement for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions.
Wire Transfer Fee Waiver. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Consumer Deposit Account Agreement for additional information.

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Eligible Customers who complete Required Activities for their Relationship Tier during a calendar month will receive the Premium Boost Rate for their Relationship Tier starting on the first Business Day of the next calendar month instead of the Standard Rate, so long as they remain in a Relationship Tier in that next month. Customers who are not in a Relationship Tier on the first day of the next calendar month will not receive the Premium Boost Rate. Premium Boost Required Activities for Relationship Tiers are different from the requirements to attain and remain in Relationship Tiers.

Citi Savings accounts owned by Eligible Customers who complete Premium Boost Required Activities for their Relationship Tier during a calendar month will receive the Premium Boost Rate for their Relationship Tier starting on the first Business Day of the next calendar month for that month only. The Premium Boost Rate will be based on your Relationship Tier during the month the Premium Boost Rate applies to your Citi Savings account and not your Relationship Tier for the month you met Premium Boost Required Activities. Eligible Customers must meet Premium Boost Required Activities for their Relationship Tier each month to receive a Premium Boost Rate for the following month.

Eligible Customers are customers who have met the following eligibility requirements on the last Business Day of the month:

Be in the Citi Priority, Citigold, or Citigold Private Client Relationship Tier
Own both an open Regular Checking account and an open Citi Savings account, and
Be opted in to Citi Premium Boost for Citi Savings accounts.

Checking and savings accounts owned by an estate, business or retirement plan (IRAs, education savings plans, money purchase pension plans and profit-sharing plans), Citi Accelerate Savings, Citi Miles Ahead Savings, Citibank Savings Plus, COMMA accounts, Certificates of Deposit, and accounts opened through Citi Global Wealth at Work and Citi Private Bank are not eligible.

Citi Premium Boost Required Activities associated with your Relationship Tier must be completed by the last Business Day of the month. Eligible Customers who do not complete their Relationship Tier Premium Boost Required Activities in a specific month will not receive the Premium Boost Rate for the following month, but they can try to meet Premium Boost Required Activities in each future month.


Relationship Tier	Premium Boost Required Activities Each Month
Citi Priority and Citigold	$5,000 total in Direct Deposits or other qualifying transactions across Regular Checking accounts you own OR $25,000 Average Monthly Balance in EDI Investment Accounts you own
Citigold Private Client	Own a Regular Checking account

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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 11/04/2026. The Composite Annual Percentage Yield (APY) for the Step Up CD is accurate as of 11/04/2026 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 a one-time withdrawal of the full balance and interest without penalty. However, an early withdrawal penalty applies to withdrawals made within 6 days after the date of deposit for account opening or renewal. Partial withdrawals, including interest withdrawals, from a No Penalty CD are not permitted. $500 minimum deposit required.

When the APY is based on account balance, the applicable balance range will be used to determine your APY and interest rate; account balance may not be a factor for all CD terms. 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+

All 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.

CD accounts do not have monthly service fees.

†† Annual Percentage Yield (APY) is accurate as of 11/04/2026. 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.

CITI^® CERTIFICATES OF DEPOSIT

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