What is a checking account?

A checking account is a bank account that lets you deposit and withdraw money at ATMs or Citibank branches. Once you open a checking account, you can make online payments, transfer funds to other accounts and deposit checks through the Citi® Mobile app. You can choose between an Access Checking or Regular Checking account, depending on your banking needs. With a Citi Regular Checking account, you can write checks for the money within your account. However, an Access Checking account does not offer check writing.

How do I open a new checking account online with Citi?

You can apply online to open a checking account with Citi. To open a new checking account online, you'll enter basic information, such as your address and Social Security number and choose funding options. Once you get an email confirmation that your checking account request has been approved, you're on your way to enjoying your new Citi account. You can also open a new checking account with Citi by calling 1-800-321-2484 (TTY: we accept 711 or other Relay Service) or visiting a branch.

Does a Citi checking account offer overdraft protection?

Citi does not charge Overdraft, Returned Item, or Overdraft Protection Transfer fees. For added overdraft protection, Citi offers Checking Plus®, a variable-rate line of credit that automatically transfers funds from your credit line to your Regular Checking account to cover overdrafts. If approved, you can also use this revolving line of credit whenever you need quick access to cash. You can also sign up for Safety Check, which automatically transfers available funds to your Regular Checking account from your savings account to cover overdrafts. Checking Plus and Safety Check are not available for the Access Checking account. However, Access Checking is designed so certain transactions will not be authorized for an amount over your Available Now account balance.

What is the minimum deposit required to open a checking account with Citi?

There is no minimum deposit to open a new checking account with Citi. However, accounts with a zero balance for 90 calendar days are subject to closure. Also, to avoid Re-Tiering out of a Relationship Tier, you'll need to maintain the required minimum Balance Range.

How much are Monthly Service Fees for Citi checking accounts?

There is a $5.00 Monthly Service Fee for Access Checking and a $15.00 Monthly Service Fee for Regular Checking. However, Citi will not charge you a Monthly Service Fee in the month of account opening or for the first three (3) full calendar months after account opening. Monthly Service Fees will be waived when you make Enhanced Direct Deposits of at least $250 each month.1 Citi Priority, Citigold and Citigold Private Client Relationship Tier customers do not incur checking account Monthly Service Fees or Non-Citi ATM fees in the month(s) they are in those Relationship Tiers.

Do I have to pay a fee to withdraw money from my checking account at an ATM?

There is no charge for making cash withdrawals with a Citibank® Banking Card at Citibank ATM locations in the U.S., but customers who are not in a Citi Priority, Citigold or Citigold Private Client Relationship Tier will incur a $2.50 Non-Citi ATM fee when money is withdrawn from an ATM outside our surcharge-free network. Regular Checking accounts will not incur a Non-Citi ATM fee in months when customers make Enhanced Direct Deposit(s) totaling $250 or more. The Non-Citi ATM fee is non-waivable for Access Checking accounts. When you use a Network ATM other than at a location within our surcharge-free network, you may be charged a fee by the ATM operator or network, including for a balance inquiry even if you do not complete a transaction. Citigold and Citigold Private Client Relationship Tier accounts receive unlimited reimbursement of fees charged by third-party ATM operators or networks.

When I open a new checking account, do I receive a debit card?

When you open your first checking account with Citi, your debit card will be mailed to you once your account application is approved. If you open additional checking accounts, they may be linked to your existing debit card. Your Citibank® Debit Card is contactless for added convenience and chip-enabled for extra security—just tap your card and enjoy quick and easy shopping. Your debit card can be used at millions of merchants worldwide and to access cash at over 65,000 fee-free ATMs in the U.S. You can also withdraw cash when making debit purchases using your PIN at participating merchants. You may request an ATM-only card for your checking account by calling 1-800-321-2484 (TTY: we accept 711 or other Relay Service) or visiting a branch. However, ATM-only cards do not have contactless capabilities.

How long does it take to open a new checking account online?

Unless subject to additional verification, your account may be opened within minutes. However, please allow additional shipping time for your debit card to arrive.

Checking Account | Open a Checking Account Online

Compare our checking accounts

Have questions?

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

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.

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.

Expand all sections

Are You Ready to Experience Citi Checking?

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

Pricing & Fee Waivers

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 Account Monthly 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.
Accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion.

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. 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.
All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
*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 Client Manual Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and International Personal Bank.
Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier’s minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier’s minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we’ll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.

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 Client Manual Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts.

Please review your Client Manual 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. Zelle^® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle^® should only be used to send money to those you know and trust. 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.
$0 Liability for Unauthorized Charges. You are protected from unauthorized purchases on your account when you promptly report a transaction you did not authorize. Please refer to the Client Manual Agreement for important conditions and limitations.

Citi Priority benefits

Everyday benefits information above, plus:

As a Citi Priority client, 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 ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.
Increased Limits. Increased limits for Zelle^® payments, 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.
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 Client Manual 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 Citigold client, 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.

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 Client Manual 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 Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold customers.

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

Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:

Costco®	Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck®	Purchase at enrollment centers after applying online
Hulu®, Amazon Prime, Spotify Premium, Global Entry	Purchase on merchant websites

Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account's Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Citigold Private Client benefits

Citigold® benefits information above, plus:

As a Citigold Private Client, 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.

Increased Mobile Check Deposit Limits. The increased mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than six (6) months or to customers with a deposit account, retirement account, loan or line of credit (excluding a credit card or first mortgage) on which they are either an owner or signer in any of the following banking relationships: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive.
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 Client Manual Agreement for additional information.

Citigold Private Client Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold Private Client customers.

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

Select Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:

Costco	Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck®	Purchase at enrollment centers after applying online
Hulu®, Amazon Prime, Spotify Premium, Global Entry, Blade®	Purchase on merchant websites
The Wall Street Journal	Purchase on The Wall Street Journal website or over phone

Eligible Customers must be Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.

The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.

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 Account	Monthly 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 10/04/2024 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.

Everyday Features & Benefits Details	Citi Relationship Tier Citi Priority Details	Citi Relationship Tier Citigold^® Details	Citi Relationship Tier Citigold^® Private Client Details
COMBINED AVERAGE MONTHLY BALANCE RANGE
$0 to $29,999.99¹	$30,000 to $199,999.99	To get started: $200,000 to $999,999.99 To maintain tier: $180,000 to $999,999.99	To get started: $1,000,000+ To maintain tier: $800,000+
MONTHLY SERVICE FEE
Access Checking: $5 Regular Checking: $15 Savings: $4.50	No fee	No fee	No fee
Ways to avoid Monthly Service Fee for checking accounts
Regular & Access Checking fee waived¹: In the month of account opening and for 3 full calendar months after account opening¹ or each month the account has $250+ in Enhanced Direct Deposits¹	No fee	No fee	No fee
Ways to avoid Monthly Service Fee for savings accounts
Savings fee waived¹: in the month of account opening and for 3 full calendar months after account opening¹ or with a $500 Average Monthly Balance per savings account or when the owner of the savings account also owns a checking account	No fee	No fee	No fee
BANKING
Access cash at 65,000+ fee-free ATMs²
✓ true	✓ true	✓ true	✓ true
Non-Citi ATM Fees²
Access Checking: $2.50 fee per withdrawal Regular Checking $2.50 fee per withdrawal waived with $250+ in Enhanced Direct Deposits¹	No fees	No fees	No fees
Unlimited reimbursement on ATM fees at Non-Citibank ATMs globally²
No reimbursement	No reimbursement	✓ true	✓ true
Daily ATM/Debit Card cash withdrawal limits²
Up to $1,500 per Citibank Banking Card per Business Day	Up to $2,000 per account per Business Day	Up to $5,000 per account per Business Day	Up to $5,000 per account per Business Day
Daily Debit Card PIN-based and signature purchase limits²
$5,000 per account per Business Day	$10,000 per account per Business Day	$25,000 per account per Business Day	$50,000 per account per Business Day
Citi Accelerate Savings Annual Percentage Yield (APY)^†
%	%	%	%
No Overdraft or Returned Item Fees²
✓ true	✓ true	✓ true	✓ true
Money Order Fee
$5	Waived	Waived	Waived
Official Check Fee
$10	Waived	Waived	Waived
Stop Payment Request Fee
$30	Waived	Waived	Waived
Regular Checking: Checkbook Orders / Reorders
Varies	Waived fees: standard checkbook orders	Waived fees: standard checkbook orders	Waived fees: standard checkbook or non-standard checkbook orders
PREFERRED LENDING PRICING
Mortgage discount with Relationship Pricing²
Tiered interest rate discount or closing cost discount based on Citi Eligible Balances	Tiered interest rate discount or closing cost discount based on Citi Eligible Balances	Tiered interest rate discount or closing cost discount based on Citi Eligible Balances	Tiered interest rate discount or closing cost discount based on Citi Eligible Balances
Discount on personal loans²
Standard rates	0.25% rate discount	0.25% rate discount	N/A
PLANNING & INVESTING
Annual fee on Citi Personal Wealth Management Investment Accounts²
Waived	Waived	Waived	Waived
Investment resources to simplify your financial decisions
― false	✓ true	✓ true	✓ true
Commission-free trading through Citi Self Invest from Citi Personal Wealth Management²
✓ true	✓ true	✓ true	✓ true
Global market analysis and research reports
― false	― false	✓ true	✓ true
Access to Financial Advisors²
✓ true	✓ true	✓ true	✓ true
World-class investment platform from Citi Personal Wealth Management
✓ true	✓ true	✓ true	✓ true
Complimentary financial planning
― false	✓ true	✓ true	✓ true
TRAVEL & LIFESTYLE
Citi Entertainment^®
✓ true	✓ true	✓ true	✓ true
Foreign exchange fee when using your Citi Debit Card abroad²
3.00%	Waived	Waived	Waived
World Wallet^® foreign currency exchange service and shipping fees²
Service Fees:$5 < $1,000 USD $0 > $1,000 USD Direct-to-Consumer Shipping Fees: Standard: $10 Priority: $15 Saturday: $20 Shipping to branch: Waived fee	Waived	Waived	Waived
Toll-free access to Citiphone service when traveling²
― false	✓ true	✓ true	✓ true
Annual subscription rebates²
― false	― false	Up to $200	Up to $400
Citigold Concierge²
― false	― false	✓ true	✓ true
Citigold Culture Pass²
― false	― false	✓ true	✓ true
Complimentary Citi Bike membership
― false	― false	Complimentary 1-year membership²	Complimentary 1-year membership²
Premium benefits through Mastercard Travel & Lifestyle Services²
― false	― false	― false	✓ true

Citi Checking Accounts

Compare our checking accounts

Benefits of Citi Checking

Certified Low-cost Account

Your Path to Relationship Tiers

Grow Your Citi Relationship

Citi Relationship Tiers

Citi Checking FAQs

Are You Ready to Experience Citi Checking?

¹Product & Pricing Information

Pricing & Fee Waivers

Relationship Tier & Re-Tiering Information

Family Linking

²Additional information

Everyday benefits

Citi Priority benefits

Citigold benefits

Citigold Private Client benefits

Get Citi Checking

Everyday Features & Benefits

Citi Priority

Citigold^®

Citigold^® Private Client

COMBINED AVERAGE MONTHLY BALANCE RANGE

MONTHLY SERVICE FEE

BANKING

PREFERRED LENDING PRICING

PLANNING & INVESTING

TRAVEL & LIFESTYLE

Citi Checking Accounts

Compare our checking accounts

Benefits of Citi Checking

Certified Low-cost Account

Your Path to Relationship Tiers

Grow Your Citi Relationship

Citi Checking FAQs

Are You Ready to Experience Citi Checking?

1Product & Pricing Information

Pricing & Fee Waivers

Relationship Tier & Re-Tiering Information

Family Linking

2Additional information

Everyday benefits

Citi Priority benefits

Citigold benefits

Citigold Private Client benefits

Get Citi Checking

Pricing & Fee Waivers

New to Relationship Information

Re-Tiering

¹Product & Pricing Information

²Additional information