Deposit Account | Monthly Service Fee |
---|---|
Access Checking | $5.00 |
Regular Checking | $15.00 |
Savings*** | $4.50 |
$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+
The monthly service fee for your checking account will be waived when you make qualifying Enhanced Direct Deposits (EDDs)**. Begin by choosing an EDD type.
The Automated Clearing House (ACH) is an electronic funds transfer system that provides funds transfer services to participating financial institutions.
Enhanced Direct Deposits are simple to set up, and you can receive them through several convenient methods. Your direct deposits, Zelle® incoming payments, ACH credits and any other electronic fund transfers qualify when totaling at least $250 each month.
HOW TO SET IT UP
HOW TO SET IT UP
HOW TO SET IT UP
HOW TO SET IT UP
No matter where you start, you’ll automatically move up and enjoy more benefits once your balance grows to the next Relationship Tier. The following benefits will vary, depending on which types of accounts you have.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
We have the answers to all your Enhanced Direct Deposit questions.
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 funds from person-to-person (P2P) payments when transferred through the ACH Network 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, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.
There are several easy ways you can set up an Enhanced Direct Deposit, including:
Setting up your checking account to receive direct deposits from a payer, such as your employer or the U.S. Government. You will need to provide your account number and your Citibank routing number for the desired account.
Setting up your checking account to receive payments with Zelle®. This will require you to provide your U.S. mobile phone number or email address.
Setting up a funds transfer from your account at an external financial institution to your Citi checking account. ACH transfers initiated from an external financial institution and sent to your Citi checking account qualify.
Linking your Citi checking account to receive payments through a third-party digital payment provider, such as Paypal or Venmo, via the ACH network.
Most incoming electronic credits made through the ACH network to your checking account qualify as an Enhanced Direct Deposit. This includes payroll, pension, Social Security checks, government benefits, Zelle® incoming payments, as well as person-to-person payments that go through ACH via a third-party provider, such as Venmo or Paypal.
For example, if you receive electronic paychecks via direct deposit from an automated payroll system, these transfers will qualify as Enhanced Direct Deposits. You can also request digital payments from people you trust, like friends and family.
Deposit Account | Monthly Service Fee |
Access Checking | $5.00 |
Regular Checking | $15.00 |
Savings*** | $4.50 |
Deposit Account | Monthly Service Fee |
---|---|
Access Checking | $5.00 |
Regular Checking | $15.00 |
Savings*** | $4.50 |
ENHANCED DIRECT DEPOSITS
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Important Information