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CITI BANKING ACCOUNTS

Enhanced Direct Deposit

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.

Select an option

Waive Your Monthly Service Fee

We’ll waive the monthly service fee when you make at least $250 each month in Enhanced Direct Deposits to your Citi checking account.2

Most Digital Deposits Qualify

Digital transfers made through the Automated Clearing House (ACH)

The Automated Clearing House (ACH) is an electronic funds transfer system that provides funds transfer services to participating financial institutions.

and credited to your checking account are common types of Enhanced Direct Deposits.
What types of deposits qualify?

Setting Up an Enhanced Direct Deposit Is Easy

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.

Direct Deposits

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

HOW TO SET IT UP

  • Search and select your payer from the list
  • Add accounts where you will deposit funds
  • Review and confirm your request

Zelle® Incoming Payments

Money sent to you from friends and family through Zelle® counts as EDDs.

HOW TO SET IT UP

  • Add your U.S. mobile phone number or email address to Zelle®
  • Select your Citi account
  • Conveniently track your Zelle® activities in the Citi Mobile® App
Learn More

Bank ACH Transfers

Most ACH transfers from another bank to your Citi checking account qualify.

HOW TO SET IT UP

  • Choose an amount to transfer
  • Add an external account (if you haven’t set up one already)
  • Select how often you want to make the transfer

Digital Payment Apps

ACH payments made through Venmo, PayPal and other third-party providers qualify for EDD.

HOW TO SET IT UP

  • Sign up with the third-party provider, such as Venmo or PayPal
  • Link your Citi account
  • Request digital payments from people you trust

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. The following benefits will vary, depending on which types of accounts you have.1

Citi Relationship Tiers

Everyday Benefits

Ways to avoid Monthly Service Fees with $250+ in Enhanced Direct Deposits1
Combined Average Monthly Balance
$0 to $29,999.991

Features & Benefits Include:

  • Access to Citi Mobile® App, online banking and 65,000+ fee-free ATMs nationwide2
  • No Overdraft or Returned Item Fees2
  • And more

Citi Priority

Preferred banking with no Monthly Services Fees1, plus increased money movement limits2
Combined Average Monthly Balance $30,000 to $199,999.99

Everyday Benefits, Plus:

  • Waived Citi Fees for non-Citi ATMs, money orders, stop payments and more2
  • Increased limits for Zelle® payments, debit card purchases and daily ATM withdrawals2
  • Waived fees for incoming domestic & international wire transfers2
  • And more

Citigold®

Premium banking with waived transfer fees for incoming and select outgoing wire transfers, plus access to a Wealth team2
Combined Average Monthly Balance
$200,000 to $999,999.99

Citi Priority Benefits, Plus:

  • Unlimited reimbursement of non-Citi ATM fees globally2
  • Access to a Wealth team and investment guidance from Citi Personal Wealth Management2
  • Increased limits for ATM withdrawals, purchases and Citibank Global Transfers2
  • And more

Citigold® Private Client

Premier banking featuring fee-free services, plus an elevated level of wealth management2
Combined Average Monthly Balance
$1,000,000+

Citigold Benefits, Plus:

  • Higher limits for Mobile Check Deposits, ATM cash withdrawals and more2
  • Advanced wealth planning and more from Citi Personal Wealth Management2
  • Waived transfer fees for all incoming and outgoing wire transfers2
  • And more

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

Compare Features & Benefits
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

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CITI BANKING ACCOUNTS

Banking Overview

Enhanced Direct Deposit FAQs

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.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Pricing & Fee Waivers
  1. 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 when the account has $250 or more in Enhanced Direct Deposits (“EDD”).** In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts when the account has an Average Monthly Balance of $500 or more or if an owner of the Savings account also owns a Regular Checking account or Access Checking account. 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 Consumer Deposit Account 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 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.
    ***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
  2. Checking accounts and Savings accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion. CD accounts are subject to closure after 20 consecutive calendar days with a zero balance.
Relationship Tier & Re-Tiering Information
  1. 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 Consumer Deposit Account 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.
Tier Acceleration
  1. Once you enroll in Tier Acceleration, Citi will review your End of Day balances on the last Business Day of the month for 3 consecutive calendar months across all Eligible Deposit and Investment accounts you own (“EOD Balances”). Your EOD Balance is your Available Now Balance at 10:30 p.m. EST on a Business Day.  If your EOD Balances meet the same or a higher Relationship Tier on the last Business Day on one or more eligible months, your Relationship Tier will reflect that Tier on the first day of the next calendar month.  Please see Eligible Deposit and Investment Accounts in the Consumer Deposit Account Agreement. There are no restrictions on the number of times an existing customer can enroll in Tier Acceleration. Tier Acceleration expires after 3 consecutive months.
Family Linking
  1. 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. 
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.

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.
  1. 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. A Fee for Deposited Check Returned Unpaid may be assessed for deposited checks that are returned unpaid.
  2. 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.
  3. 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. Check Returned Unpaid may be assessed for deposited checks that are returned unpaid.
  4. 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.
  5. Citi Quick Lock. Includes point-of-sale (in person and via digital wallets), cash back and online purchases.

Citi Priority benefits

Everyday benefits information above, plus:
As a client in the Citi Priority 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.
Citi does not provide tax or legal advice.
  1. Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.
  2. Increased Limits. Increased limits for Zelle® transfers, 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. Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle® or you have made a change to your enrolled phone number, email address or linked account number.
  3. 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 Consumer Deposit Account 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 client in the Citigold 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). 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.
  1. 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 Consumer Deposit Account Agreement for additional information.
  2. 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 Private Client benefits

Citigold benefits information above, plus:
As a client in the 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). 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.
  1. 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.
  2. 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 Consumer Deposit Account Agreement for additional information.
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 when the account has $250 or more in Enhanced Direct Deposits (“EDD”).** In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts when the account has an Average Monthly Balance of $500 or more or if an owner of the Savings account also owns a Regular Checking account or Access Checking account. 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 Consumer Deposit Account 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 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.
***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 08/09/2025. The Composite Annual Percentage Yield (APY) for the Step Up CD is accurate as of 08/09/2025 and is based on the 3 fixed initial interest rates shown for Months 1 through 10, Months 11 through 20, and Months 21 through 30. APYs are subject to change before a term begins for new and renewing CDs. The APY assumes interest remains on deposit in the CD account until maturity. Credited interest may be withdrawn without penalty. A withdrawal will reduce earnings. A penalty will be imposed for early withdrawal of principal. Fees could reduce account earnings. The No Penalty CD allows withdrawal of the full balance and interest without penalty after the first 6 days you make the minimum deposit into your new CD and your deposit has been fully collected. An early withdrawal penalty applies to withdrawals from a No Penalty CD during the first 6 days. Partial withdrawals, including interest withdrawals, from a No Penalty CD are not permitted. $500 minimum deposit required.
APYs based on CD account balance use the applicable balance range to determine your APY and interest rate. Citi may assign the same APY to more than one balance range. Balance ranges include:
$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+
No Penalty CDs automatically renew without the no penalty feature to a 12 month CD. Step Up CDs automatically renew without the step up feature to a 30 month CD. All other CDs automatically renew at maturity for the same term at the rates in effect on the CD renewal date. There is a grace period of up to 7 calendar days after the maturity date. You can make a change during the grace period without penalty. The CD opening date (renewal date) and maturity date will reset if you make a change during the grace period, and you will not be able to make any changes until the next maturity date without penalty.
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.
©2025 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.

Get Started with Enhanced Direct Deposits

Select an option

ENHANCED DIRECT DEPOSITS

What Types of Deposits Qualify as EDDs?

QualifyDo Not Qualify
  • Payroll
  • Pension
  • Social Security
  • Government benefits
  • Zelle® incoming payments
  • Person-to-person payments that go through the ACH via a third-party provider, such as Venmo or PayPal
  • Teller deposits
  • Cash deposits
  • Check deposits
  • Wire transfers
  • Transfers between Citibank accounts
  • ATM transfers and deposits
  • Mobile check deposits
  • Person-to-person payments that use a debit card

Important Information

You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?
Citi is not responsible for the products, services or facilities provided and/or owned by other companies.
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