Explore Citi Relationship Tiers | Open Checking & Savings Accounts

Compare Features & Benefits

Citibank accounts come with everyday features & benefits. Customers who plan to keep a balance of $30,000+, can enjoy more benefits by opening an account in a Relationship Tier. Each tier has a minimum Balance Range. Make sure your Combined Average Monthly Balance doesn't drop below the range for 3 consecutive calendar months to keep your benefits.¹


COMBINED AVERAGE MONTHLY BALANCE RANGE
Compare 1^st Details	Citi Relationship Tier Compare 2^nd Details	Citi Relationship Tier Compare 3^rd Details
$0 to <br>$29,999.99¹	$30,000 to <br>$199,999.99	To get started: $200,000 to $999,999.99<br><br>To maintain tier: $180,000 to $999,999.99
MONTHLY SERVICE FEE
Regular Checking: $15<br/>Access Checking: $5<br/>Savings: $4.50<br/>	<p>No fee</p>	<p>No fee</p>
Ways to avoid Monthly Service Fee for checking accounts
Regular Checking fee waived¹:<br> each month the account has $250+ in Direct Deposits or other qualifying transactions ($1,000+ effective 01/01/2027)¹ Access Checking fee waived¹:<br> each month the account has $250+ in Direct Deposits or other qualifying transactions¹ or an owner age 23 or younger (effective July 18, 2026—see Consumer Deposit Account Agreement)¹	<p>No fee</p>	<p>No fee</p>
Ways to avoid Monthly Service Fee for savings accounts
Savings fee waived¹:<br> with a $500 Average Monthly Balance per savings account or when the owner of the savings account also owns a checking account	<p>No fee</p>	<p>No fee</p>
BANKING
Access cash at 65,000+ fee-free ATMs^1,2
― <p>true</p>	― <p>true</p>	― <p>true</p>
Non-Citi ATM Fees^1,2
Regular Checking or Access Checking: $2.50 fee per withdrawal	<p>No fees</p>	<p>No fees</p>
Unlimited reimbursement on ATM fees at Non-Citibank ATMs globally²
<p>No reimbursement</p>	<p>No reimbursement</p>	― <p>true</p>
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
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
Citi Savings Account Premium Boost Annual Percentage Yield (APY)¹
― <p>false</p>	{PRIORITY_BAPY}	{GOLD_BAPY}
Citi Savings Account Standard Annual Percentage Yield (APY)^†
{BLUE_APY}	{PRIORITY_APY}	{GOLD_APY}
No Overdraft or Returned Item Fees²
― <p>true</p>	― <p>true</p>	― <p>true</p>
Money Order Fee
$5	<p>Waived</p>	<p>Waived</p>
Official Check Fee
$10	<p>Waived</p>	<p>Waived</p>
Stop Payment Request Fee
$30	<p>Waived</p>	<p>Waived</p>
Regular Checking: Checkbook Orders / Reorders
<p>Varies</p>	<p>Waived fees: standard checkbook orders</p>	<p>Waived fees: standard checkbook orders</p>
PREFERRED LENDING PRICING
Home loan discount with Citi Relationship Pricing²
<p>Tiered interest rate discount and/or closing cost discount based on Citi Eligible Balances</p>	<p>Tiered interest rate discount and/or closing cost discount based on Citi Eligible Balances</p>	<p>Tiered interest rate discount and/or closing cost discount based on Citi Eligible Balances</p>
Personal loans²
<p>Standard rates.</p>	0.25% rate discount to the APR.	0.25% rate discount to the APR.
PLANNING & INVESTING
Investment resources to simplify your financial decisions
― <p>false</p>	― <p>true</p>	― <p>true</p>
Commission-free trading through Citi Self Invest from Citi Personal Wealth Management²
― <p>true</p>	― <p>true</p>	― <p>true</p>
Global market analysis and research reports
― <p>false</p>	― <p>false</p>	― <p>true</p>
Access to Financial Advisors from Citi Personal Wealth Management²
― <p>false</p>	― <p>true</p>	― <p>true</p>
World-class investment platform from Citi Personal Wealth Management
― <p>true</p>	― <p>true</p>	― <p>true</p>
Complimentary financial planning from Citi Personal Wealth Management²
― <p>false</p>	― <p>false</p>	― <p>true</p>
TRAVEL & LIFESTYLE
Citi Entertainment^®
― <p>true</p>	― <p>true</p>	― <p>true</p>
Foreign exchange fee when using your Citi Debit Card abroad²
3.00%	<p>Waived</p>	<p>Waived</p>
World Wallet^® foreign currency exchange service and shipping fees²
Service Fees:<br>$5 < $1,000 USD<br>$0 > $1,000 USD<br><br>Direct-to-Consumer Shipping Fees:<br>Standard: $10<br>Priority: $15<br>Saturday: $20<br><br>Shipping to branch: Waived fee	<p>Waived</p>	<p>Waived</p>
Toll-free access to Citiphone service when traveling²
― <p>false</p>	― <p>true</p>	― <p>true</p>
Annual subscription rebates²
― <p>false</p>	― <p>false</p>	Up to $200
Citigold Culture Pass²
― <p>false</p>	― <p>false</p>	― <p>true</p>
Complimentary Citi Bike membership
― <p>false</p>	― <p>false</p>	― <p>false</p>
Premium benefits through Mastercard Travel²
― <p>false</p>	― <p>false</p>	― <p>false</p>

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.

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.

Citi Eligible Balance	First Mortgage Benefit	Home Equity Benefit
$1 -$49,999.99	$500 off closing costs	3/40% (0.075%) off interest rate
$50,000 - $199,999.99	1/8% (0.125%) off interest rate	1/8% (0.125%) off interest rate
$200,000 - $499,999.99	1/8% (0.125%) off interest rate + $1,500 off closing costs	1/8% (0.125%) off interest rate
$500,000 - $999,999.99	1/4% (0.250%) off interest rate	1/4% (0.250%) off interest rate
$1,000,000 - $1,999,999.99	3/8% (0.375%) off interest rate	3/8% (0.375%) off interest rate
$2,000,000+	1/2% (0.500%) off interest rate	1/2% (0.500%) off interest rate

Citi Eligible Balance

First Mortgage Benefit

Home Equity Benefit

$1 -$49,999.99

$500 off closing costs

3/40% (0.075%) off interest rate

$50,000 - $199,999.99

1/8% (0.125%) off interest rate

$200,000 - $499,999.99

1/8% (0.125%) off interest rate

+ $1,500 off closing costs

1/8% (0.125%) off interest rate

$500,000 - $999,999.99

1/4% (0.250%) off interest rate

$1,000,000 - $1,999,999.99

3/8% (0.375%) off interest rate

$2,000,000+

1/2% (0.500%) off interest rate

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

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

Compare Features & Benefits

COMBINED AVERAGE MONTHLY BALANCE RANGE

MONTHLY SERVICE FEE

BANKING

PREFERRED LENDING PRICING

PLANNING & INVESTING

TRAVEL & LIFESTYLE

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.

Everyday benefits

Citi Priority benefits

Citigold benefits

Citigold Private Client benefits

³Citi Premium Boost

Compare Features & Benefits

COMBINED AVERAGE MONTHLY BALANCE RANGE

MONTHLY SERVICE FEE

BANKING

PREFERRED LENDING PRICING

PLANNING & INVESTING

TRAVEL & LIFESTYLE

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.

Everyday benefits

Citi Priority benefits

Citigold benefits

Citigold Private Client benefits

3Citi Premium Boost

¹Pricing & Product Information

²Additional Information

³Citi Premium Boost