How to Open a Checking Account?

A checking account is a great place to keep your money for day-to-day banking. Plus, you can manage your account and monitor your transactions from your phone or computer.

Choosing and applying for the right checking account is a matter of considering what your priorities are when it comes to the way you bank. Do you want a branch right next door, or the best mobile app? How much money do you plan to keep in your account? In this article, we'll show you how to open the right checking account for you.

What is a checking account?

A checking account is a deposit account at a bank or other financial institution that is the ideal place for daily banking transactions. Checking accounts are designed for regular deposits, withdrawals and transfers, as they do the day-to-day business of banking.

Can I open a checking account online?

You can open a checking account online with Citi in minutes. You just need to provide basic information such as your address and social security number and, most importantly, choose which checking account you'd like to open.

How to open a checking account

Opening a checking account is simple. Whether you want to go through the process online or in person, just follow these simple steps.

Fill out your application

Online or in person, filling out an application for a checking account is simple. You'll need to provide some personal identifying information which may include your name, address and social security number to verify your identity, age and can provide certain U.S. tax forms and certifications.

Deposit an initial amount

You don't need a minimum deposit to open any checking account with Citi, but you may with other banks. Even if an initial deposit is not required, it's a good idea to fund your account and maintain a balance as Citi checking accounts with a zero balance for 90 calendar days are subject to closure.

Open a checking account with Citi

Compare Citi's checking account options for every type of client here, and then apply for your checking account online today.

What do I need to open a checking account?

Before you open a checking account, you should be able to provide:

  1. Name
  2. Date of Birth
  3. Address
  4. SSN/TIN

Deposit products provided by Citibank, N.A. Member FDIC

Disclosure: This article is for educational purposes about banking products. It is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should refer to the disclosures financial institutions provide for various products and consult a qualified professional.

Additional Resources

  • Utilize these resources to help you assess your current finances & plan for the future.

  • Learn how FICO® Scores are determined, why they matter and more.

  • Review financial terms & definitions to help you better understand credit & finances.