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Promotional Interest Rate
Annual Percentage Yield
Terms and Conditions for the Offer
This CitiBusiness® IMMA promotional rate offer (the “Citi IMMA offer”) applies to a new IMMA opened from April 1, 2025 through June 30, 2025 (the “Offer Period”). “The Promotional Rate Period” starts within fourteen (14) business days after the account is opened and ends September 30, 2025.
To be eligible for the Citi IMMA Offer, a customer must have a new IMMA open on or before June 30, 2025 and in good standing. All account applications are subject to approval. Your account does not qualify for the Citi IMMA Offer until you provide all of the information we require in connection with opening the account by the Offer Period end date: June 30, 2025.
The Promotional interest rate of 4.25% (the “Promotional Rate”), with a corresponding annual percentage yield “APY” of 4.34%, applies only to an IMMA Qualifying Balance Level of at least $10,000 and no more than $10 million (excluding interest accrued on such balance during the Promotional Rate Period) of Available Funds (or the total amount of funds available for withdrawals and transfers, excluding pending and not posted transactions) in a new IMMA. Fees may reduce earnings.
This Citi IMMA Offer is only available to depositors who are new or existing Citi Business Banking clients at the time of IMMA account opening and establish a new IMMA for business purposes.
The Promotional Rate will apply to an IMMA Qualifying Balance Level in the new IMMA during the Promotional Rate Period only. The Promotional Rate will begin to accrue up to fourteen (14) business days after the account is opened, provided the balance in such account is within the IMMA Qualifying Balance Level. During the Promotional Rate Period, funds will only bear interest at the Promotional Rate if the IMMA Qualifying Balance Level requirement is met. Each day, if the available funds balance in the new IMMA is less than $10,000 interest will accrue on the entire account balance at a rate of 0.20% (0.20% APY). Each day, if the available funds balance in the new IMMA is more than $10 million (excluding interest accrued on such balance during the Promotional Rate Period), interest will accrue on the entire account balance at the rate of 0.35% (0.35% APY).
All funds on deposit before the commencement and after the expiration of the Promotional Rate Period will accrue interest in accordance with Citibank’s Standard Interest Rate Schedule for account balances, which may vary depending upon the account balance and type. Standard Interest Rates are variable and may change at Citibank’s discretion and without prior notice to customers. As of January 28, 2025, Standard Interest Rates for all markets are as follows: 0.10% (0.10% APY) to 0.20% (0.20% APY) for balances less than $500,000; 0.25% (0.25% APY) to 0.35% (0.35% APY) for balances between $500,000 and $4,999,999; and 0.25% (0.25% APY) for balances $5,000,000 and above.
For more information about Standard Interest Rates applicable to IMMAs, please visit a Citibank branch. A Citibank Business Specialist can provide the existing rates for each balance tier in your area. Interest accrues and is computed on a 365-day basis for the actual number of days the Available Funds are on deposit. Interest will be credited to the IMMA after the close of business at the end of the statement cycle; interest will be paid up to, but not including the account closing date. Please refer to the CitiBusiness® Client Manual for additional account information.
This Citi IMMA Offer may be modified or withdrawn prior to establishing the account without notice.
FDIC deposit insurance maximum is $250,000 per depositor for each account ownership category.
Important Tax information: Interest received by U.S. Persons classified as U.S. non-exempt recipients will be reported on IRS Form 1099-INT for the year received. Interest received by foreign persons will be reported on IRS Form 1042-S for the year received. Customers are responsible for taxes and consulting a tax advisor. Citi is not a tax advisor. To be eligible, U.S. Persons must provide a valid Form W-9 and non-U.S. persons must provide a valid Form W-8BEN (individuals) or W-8BEN-E (entities).
Terms, conditions, and fees apply to accounts, products, programs and services, and are subject to change. All products, services and promotions are subject to approval and funding requirements.
Citibank provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. The offers referenced herein are not, and should not be construed as, an offer, invitation, or solicitation to buy or sell the products or services at issue to individuals outside of the United States.
©2025 Citibank, N.A. Deposit products and services are offered through Citibank N.A., Member FDIC. 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.
Manage your business finances anywhere, anytime on your desktop, tablet or phone.
For easy transfers and to protect your checking account against overdrafts, link it to your CitiBusiness® IMMA.
Protect your business against losses from unauthorized activities in your Citibank accounts.
with low- or no-cost ACH origination and waived fees for qualifying wire transfers
and get savings on remote check deposit services
with discounted fraud protection services
A business money market account is a type of savings account where you earn interest based on your account balance. A money market account offers you liquidity with unlimited deposits and withdrawals.
After opening a money market account with a minimum deposit, you can continue making deposits. You’ll earn interest on the balance based on the account’s Annual Percentage Yield (APY), which is set by the issuer. The higher balance you maintain, the more interest you may earn.
Money market accounts may have variable interest rates, so the amount your balance will grow may vary depending on market conditions.
You can withdraw your savings and earnings at any time from the account without penalty.
A money market account offers the benefit of liquidity with no penalty for withdrawal – allowing account owners to earn interest on their deposits while providing access to their funds, as needed. Similar to a checking account, money market accounts also include check writing capabilities.
Money market accounts also provide some features that a CD does not. While a CD requires you to lock away a fixed amount of cash until its term ends and the CD matures, a money market account allows you to make unlimited deposits and withdrawals.
Yes, CitiBusiness® Insured Money Market Accounts are FDIC-insured. Deposits are insured for up to $250,000 per depositor, for each account ownership category. To learn more visit www.FDIC.gov.1
To open a CitiBusiness® Insured Money Market Account, you’ll first need to have the necessary small business banking account documentation. This includes one form of government-issued ID, a business formation document and basic information about your business, such as your business’ name, taxpayer identification number, transaction activity and number of employees.
Once you’ve gathered the necessary documents and information, visit a Citibank branch to open an account.
There is no minimum deposit to open a CitiBusiness® Insured Money Market Account (IMMA). However, a $10 monthly maintenance charge applies to each IMMA with Average Daily Collected Balances less than $5,000. (The Average Daily Collected Balance can be found on your monthly statement and is based on the average of each day’s end-of-day account balance.)
Deposit accounts are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.
©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.
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