Open a Savings Account Online: Citi Saving Account

Waived Monthly Service Fees

$4.50 Monthly Service Fee waived with a Relationship Tier, $500+ Average Monthly Balance or a Citi Checking account¹

Citi Premium Boost

Eligible Customers can turn common banking activities into opportunities for higher interest rates³

Benefits that grow

with Citi Relationship Tiers¹

Everyday benefits of Citi Savings

FDIC-insured savings

with every account, so you can feel at ease knowing deposits are insured up to FDIC limits

Access cash easily

at more than 65,000+ fee-free ATMs, including select Target, CVS, Walgreens and other neighborhood stores^1,2

Seamless money movement

using Mobile Check Deposits, real-time transfers and more²

Make multiple withdrawals

based on your needs to conveniently access cash from your savings account

Make your Citi Savings account balance grow faster

Open a Citi Savings and Regular Checking account with Required Activities to earn boosted interest rates.

Ready to apply?

Select your account type
Choose from Citi Savings for your future, Regular Checking for daily use 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

Make savings a breeze with Ways to Save

Pair with a Citi Checking account and automatically transfer funds to hit your goals sooner.

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Citi Savings FAQs

We have the answers to common savings questions.

What is a savings account?

A savings account is a bank account that pays you interest, helping you save for short- and long-term goals, plus life's unexpected expenses. Also, deposits are insured up to FDIC limits.

With a savings account at Citi, you can access funds from your account at Citibank branches and over 65,000+ fee-free ATMs nationwide.² If you're in a Relationship Tier and own a Regular Checking account and Citi Savings account, you can join Citi Premium Boost and complete Required Activities to get higher savings rates.

Interest rate on savings accounts are variable and can change at any time. If you're looking for an interest-bearing account with a fixed interest rate, consider a Citi Certificate of Deposit instead.

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

To open a savings account online with Citi, 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 savings account request has been approved, you're on your way to enjoying your new Citi account. Citi Savings accounts can also be opened by visiting a branch or calling 1-800-321-2484 (For TTY, we accept 711 or other Relay Service). If you're looking to open Citi Savings account for a Special Title account owner, such as a Trust, you can do so by visiting a branch.

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

Unless subject to additional verification, your account may be opened within minutes. However, please allow additional shipping time for your ATM card to arrive.

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

There is no minimum deposit to open a savings account with Citi. However, accounts that maintain a zero balance for 90 calendar days are subject to closure.

Do Citi Savings accounts have Monthly Service Fees?

Yes, there is a $4.50 Monthly Service Fee for savings accounts. Citi Priority, Citigold® and Citigold® Private Client Relationship Tier customers do not incur savings account Monthly Service Fees in the month(s) they are in those Relationship Tiers.¹ If you are not in a Relationship Tier, your $4.50 savings account Monthly Service Fee will be waived if you also own a Citi checking account or when your savings account Average Monthly Balance is $500 or more.

Can I have multiple savings accounts at Citi?

You can open as many savings accounts as you like. Some of our customers open several separate accounts for specific savings goals like vacations, holiday shopping and unexpected expenses. You can do the same by setting up automatic transfers to your savings accounts or splitting your direct deposits between your checking and savings accounts.

Does a Citi Savings account come with an ATM card?

Yes, a Citibank customer who does not already have another deposit account and opens a Citi savings account will be mailed an ATM card once the account application is approved.

How is a savings account different from a CD?

While both savings accounts and CDs are ways to save, savings accounts typically offer easier access to funds than CDs. While a featured CD may offer a higher rate, you can usually withdraw funds from a savings account more often without being penalized.

Can two people open a savings account?

Yes, two people can open a savings account together and own it together as a Joint Account. Both account holders have equal access to deposit, withdraw and manage funds, making it a useful option for shared financial goals like saving for a home, travel or household expenses.

Can I set up automatic transfers between my Citibank savings account and checking account?

Yes, you can set up automatic transfers between your linked Citibank savings account and Citibank checking account on a weekly, every-other-week or monthly basis.

Please refer to the Consumer Deposit Account Agreement and Account Agreement and Notices page. You also can contact a Citibank representative by visiting a branch or calling 1-800-321-2484 (For TTY, we accept 711 or other Relay Service) for more details.

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, 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.

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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.

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.
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.

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Eligible Customers who complete Required Activities for their Relationship Tier during a calendar month will receive the Premium Boost Rate for their Relationship Tier starting on the first Business Day of the next calendar month instead of the Standard Rate, so long as they remain in a Relationship Tier in that next month. Customers who are not in a Relationship Tier on the first day of the next calendar month will not receive the Premium Boost Rate. Premium Boost Required Activities for Relationship Tiers are different from the requirements to attain and remain in Relationship Tiers.

Citi Savings accounts owned by Eligible Customers who complete Premium Boost Required Activities for their Relationship Tier during a calendar month will receive the Premium Boost Rate for their Relationship Tier starting on the first Business Day of the next calendar month for that month only. The Premium Boost Rate will be based on your Relationship Tier during the month the Premium Boost Rate applies to your Citi Savings account and not your Relationship Tier for the month you met Premium Boost Required Activities. Eligible Customers must meet Premium Boost Required Activities for their Relationship Tier each month to receive a Premium Boost Rate for the following month.

Eligible Customers are customers who have met the following eligibility requirements on the last Business Day of the month:

Be in the Citi Priority, Citigold, or Citigold Private Client Relationship Tier
Own both an open Regular Checking account and an open Citi Savings account, and
Be opted in to Citi Premium Boost for Citi Savings accounts.

Checking and savings accounts owned by an estate, business or retirement plan (IRAs, education savings plans, money purchase pension plans and profit-sharing plans), Citi Accelerate Savings, Citi Miles Ahead Savings, Citibank Savings Plus, COMMA accounts, Certificates of Deposit, and accounts opened through Citi Global Wealth at Work and Citi Private Bank are not eligible.

Citi Premium Boost Required Activities associated with your Relationship Tier must be completed by the last Business Day of the month. Eligible Customers who do not complete their Relationship Tier Premium Boost Required Activities in a specific month will not receive the Premium Boost Rate for the following month, but they can try to meet Premium Boost Required Activities in each future month.


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

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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.

†Annual Percentage Yield (APY) is accurate as of 10/29/2026. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings.

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.

Citi^® Savings Account

Grow your future with Citi Savings

Everyday benefits of Citi Savings

Make your Citi Savings account balance grow faster

Open a Citi Savings and Regular Checking account with Required Activities to earn boosted interest rates.

Ready to apply?

Select your account type

Choose your benefits

Fund your account

Make savings a breeze with Ways to Save

Smart money

Citi Savings FAQs

What is a savings account?

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

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

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

Do Citi Savings accounts have Monthly Service Fees?

Can I have multiple savings accounts at Citi?

Does a Citi Savings account come with an ATM card?

How is a savings account different from a CD?

Can two people open a savings account?

Can I set up automatic transfers between my Citibank savings account and checking account?

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.

³Citi Premium Boost

Citi® Savings Account

Grow your future with Citi Savings

Everyday benefits of Citi Savings

Make your Citi Savings account balance grow faster

Open a Citi Savings and Regular Checking account with Required Activities to earn boosted interest rates.

Ready to apply?

Select your account type

Choose your benefits

Fund your account

Make savings a breeze with Ways to Save

Smart money

Citi Savings FAQs

What is a savings account?

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

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

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

Do Citi Savings accounts have Monthly Service Fees?

Can I have multiple savings accounts at Citi?

Does a Citi Savings account come with an ATM card?

How is a savings account different from a CD?

Can two people open a savings account?

Can I set up automatic transfers between my Citibank savings account and checking account?

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.

3Citi Premium Boost

Citi^® Savings Account

¹Pricing & Product Information

²Additional Information

³Citi Premium Boost