Open a Checking Account Online | Apply for a Citi Regular Checking

Ways to get waived Monthly Service Fees

$15 Monthly Service Fee can be waived with $250+ a month ($1,000+ effective 01/01/2027) in Direct Deposits or other qualifying transactions, or when in a Relationship Tier¹

No Overdraft Fees

Citi doesn't charge overdraft or returned item fees, so an unintended overdraft won't lead to unexpected charges²

65,000+ fee-free ATMs

Get cash at ATMs and select Target, CVS, Walgreens and other neighborhood stores^1,²

Benefits of Regular Checking

Unlimited check writing
to access and spend your money with personal checks. With a Relationship Tier of Citi Priority or above, you can get standard checks for free.
Seamless money movement²
with Zelle^® payments, real-time transfers and more
Mobile Check Deposits²
with the Citi Mobile^® App
$0 liability²
for unauthorized charges
More with Relationship Tiers¹
for waived fees, access to higher Citi^® Savings rates and more, based on your Combined Average Monthly Balance (CAMB)

Make the most of your Direct Deposit

Waived Monthly Service Fee

We'll waive the Monthly Service Fee for each month you make at least $250 ($1,000 effective 01/01/2027) in Direct Deposits or other qualifying transactions to your Regular Checking account, or if you're in a Relationship Tier.¹

Citi Premium Boost

Make the most of your everyday account activity with special savings rates when you become a Relationship Tier customer, add a Citi® Savings account and complete the Required Activities.²

Learn more

Citi gives you more options so you can deposit your way

Direct Deposit

Examples include paychecks, pension, Social Security and government benefit checks paid via ACH¹

Zelle^® incoming payments

Money sent to you from friends and family through Zelle® counts as qualifying transactions²

Bank ACH transfers

Most transfers from another bank to your Regular Checking account qualify¹

Digital payment apps

ACH payments made through Venmo, PayPal and other third-party providers¹

Ready to apply?

Select your account type
Choose from Regular Checking for daily use, Citi Savings for your future or both — all in the same application.
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
Fund your account
Once your application is approved and account opened, meet the balance requirements for your Relationship Tier by setting up Direct Deposit, scheduling ACH transfers or funding an eligible investment account from Citi Personal Wealth Management.²

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

Flexibility when you need it

We understand that sometimes the unexpected happens. With Regular Checking, overdraft protection is available to help protect you from bounced checks.

Regular Checking FAQs

We have the answers to common checking questions.

What is a Regular Checking account?

Regular 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.² 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.

What is the difference between a checking and savings account?

A checking account is built for everyday transactions like paying bills, making purchases and accessing cash, while a savings account is designed for setting money aside and earning interest over time.

Does a Citi Checking account offer overdraft protection?

Citi does not charge Overdraft, Returned Item, or Overdraft Protection Transfer fees.²

For added overdraft protection, Citi offers Checking Plus®, a variable-rate line of credit that automatically transfers funds from your available credit line to your Regular Checking account to cover overdrafts. You can also use this revolving line of credit whenever you need quick access to cash. Checking Plus is subject to credit approval. 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 fro 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.¹

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.² 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.

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.²

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.² 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.

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


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.

Go back

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.

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. 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.
Mobile Wallet. Citi is not responsible for products and services provided by third parties who accept payment through mobile wallet.
$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 Consumer Deposit Account Agreement for important conditions and limitations.
Citi Premium Boost. Citi Premium Boost is only available for Relationship Tier customers with a Regular Checking account and Citi® Savings account who complete Premium Boost Required Activities. For more information about joining Citi Premium Boost visit Citi Savings.
Citi Personal Wealth Management. Citi Personal Wealth Management (CPWM) is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. (CGMI), member SIPC. Citibank and CGMI are affiliated companies under the common control of Citigroup Inc.

As a client in the Citigold or 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). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Go back

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.

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.

Regular Checking Account

Get more from your checking account

Ways to get waived Monthly Service Fees

No Overdraft Fees

65,000+ fee-free ATMs

Benefits of Regular Checking

Make the most of your Direct Deposit

Waived Monthly Service Fee

Citi Premium Boost

Citi gives you more options so you can deposit your way

Direct Deposit

Zelle^® incoming payments

Bank ACH transfers

Digital payment apps

Ready to apply?

Select your account type

Choose your benefits

Fund your account

Apply online now

Apply in person

Looking for a simpler, lower cost option?

Flexibility when you need it

Regular Checking FAQs

What is a Regular Checking account?

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

What is the difference between a checking and savings account?

Does a Citi Checking account offer overdraft protection?

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

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

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

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

¹Pricing & Product Information

Pricing & Fee Waivers

Relationship Tier & Re-Tiering Information

Family Linking

Non-Citi ATM Fee

²Additional Information

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

Regular Checking Account

Get more from your checking account

Ways to get waived Monthly Service Fees

No Overdraft Fees

65,000+ fee-free ATMs

Benefits of Regular Checking

Make the most of your Direct Deposit

Waived Monthly Service Fee

Citi Premium Boost

Citi gives you more options so you can deposit your way

Direct Deposit

Zelle® incoming payments

Bank ACH transfers

Digital payment apps

Ready to apply?

Select your account type

Choose your benefits

Fund your account

Apply online now

Apply in person

Looking for a simpler, lower cost option?

Flexibility when you need it

Regular Checking FAQs

What is a Regular Checking account?

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

What is the difference between a checking and savings account?

Does a Citi Checking account offer overdraft protection?

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

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

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

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

1Pricing & Product Information

Pricing & Fee Waivers

Relationship Tier & Re-Tiering Information

Family Linking

Non-Citi ATM Fee

2Additional Information

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

Zelle^® incoming payments

¹Pricing & Product Information

²Additional Information