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By selecting Open an Account, you’re choosing an account with everyday benefits. Customers who plan to deposit $30,000+ may be eligible for additional features and benefits by opening an account in a Relationship Tier.1

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Benefits of Citi Checking

Access Cash Easily
with 65,000+ fee-free ATMs nationwide2
$0 Liability
for unauthorized charges2
Mobile Check Deposits
with the Citi Mobile® App2
Seamless Money Movement
using Zelle® payments, real-time transfers and more2
Already a customer? Apply with a pre-filled application. 
Citi Access Checking, Bank On Certified 2023 to 2024, since October 2015, Cities for Financial Empowerment Fund

Certified Low-cost Account

Citi Access Checking is certified as meeting Bank On National Account Standards for low-cost accounts.

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

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

Citi Checking FAQs

We have the answers to your checking account questions.

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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
Savings***$4.50
*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) is accurate as of 07/24/2024 in the location entered upon accessing citi.com. 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.
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 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.
©2023 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.