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    Banking Services
    • Citibank Basic Checking

      Simplicity at its best.

      Our Basic Account is ideal for those who want to keep banking simple. A Basic Checking Account offers two clear options to avoid a monthly service fee. You can also earn rewards for your checking and savings relationship with Citi ThankYou® Rewards.3

      Citi is committed to making banking simple and easy to understand. Learn more with Plain Talk About Your Products.

      Compare Checking Accounts

    • Right for you if:

      • You like the idea of avoiding a monthly service fee by completing 1 qualifying direct deposit and 1 qualifying bill pay payment or maintaining prior month combined average balances to avoid a monthly service fee.
      • You want rewards3 for your checking and savings relationship
      • You want fee-free access to 32,000 ATMs nationally and 24/7 account access online

    No opening deposit

    While there is a monthly service fee of $10, if combined average monthly balance requirements are not met or if qualifying activities are not completed, the Minimum Opening Deposit required is $0.

    Avoid Monthly Fees

    1. Make 1 Direct Deposit AND 1 Bill Payment each monthly statement period and pay no monthly service fee, OR
    2. Keep $1,500 in prior calendar month combined average balances in either your Basic Checking or with a linked Basic Savings account and pay no monthly service fee

    Citibank® Banking Card

    Your Citibank® Debit Card (banking card) lets you access your accounts online, by phone and at ATMs. Plus, you can use it to conveniently make purchases at thousands of merchants around the globe.

    Bill Payment

    You can make payments to third parties by calling Citiphone Banking or by using Citi Online or Citi MobileSM. When you pay your bills through our bill payment service your payment is transferred electronically or by an official check.

    Direct Deposit

    You may have funds, such as your pay, your pension, or your social security payments sent to your checking, savings and money market accounts by Direct Deposit.

    Citi ThankYou® Rewards3

    Enroll your checking account in Citi ThankYou® Rewards and earn points for eligible linked products and services. Points can be redeemed for great rewards. For more information on Citi ThankYou® Rewards, please click here .

    Please visit the "Extra Features" tab to learn more about the other rewards and benefits that come with your checking account.

    Additional Checking Benefits:

    Anytime, Anywhere Access

    Citi Branches and ATMs

    Enjoy access to 1,000 branches in the U.S. and over 2,000 in 40 countries, including 1,350 Banamex branches in Mexico. Plus enjoy fee-free access at over 29,000 ATMs in the US. For more information please click here

    Online Banking

    You can bank anytime, anywhere, at Citibank.com. For more information please click here

     

     

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    Citi MobileSM

    Check balances pay bills and transfer funds on virtually any device – including iPhone, Blackberry and Android devices. For more information please click here

    Citibank for iPad®

    Manage your accounts with the swipe of a finger. Get unparalleled new views of your financial information and robust tools for planning, savings, investing and borrowing. For more information please click here

    Citi®Text Banking

    For quick updates on your Citibank account, just send a short command to MYCITI (692484) to check your account balance and view available credit lines. For more information please click here

    Dedicated Account Protection

    Citi® Identity Theft Solutions

    Service

    How to Get It

    What It Costs

    Citi® Identity Theft Solutions

    Even the mere thought of ID theft is scary. And if you're ever a victim, we have a team of specialists dedicated to help you re-establish your credit and reclaim your identity.

    Learn More
    • Just open any Citibank account or Citi credit card account and this coverage is automatically yours
    • If you ever need to use this coverage, simply call 1-800-627-3999 (in NY metro area) or 1-800-274-6660 (all other areas)
    Free

    Our team of Identity Theft Solution Specialist can help you reclaim your identity if you're ever the victim of identity theft. For more information please click here

    Paperless Statements

    You'll save paper and time, and reduce the chances of your bank statement getting lost or stolen in the mall. For more information please click here

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    Overdraft Protection

    You can use your debit card with confidence, knowing that Citibank will not authorize transactions that exceed your available balance For more information please click here .

    Balance and Bill Payment Alerts

    Alerts for approaching balance limits and upcoming payments help you avoid extra fees. For more information please click here

    Relationship Rewards

    Citi® Private Pass®6

    Citi Private Pass is a web-based entertainment access program for Citibank® Debit Card customers, offering access to some of the best entertainment events and experiences. Citibank® Debit Card customers can purchase presale tickets, preferred tickets, and VIP packages to concerts and shows, as well as access to a wide variety of experiences in categories such as dining, golf, nightclubs, shopping and family entertainment. For more information, please click here

    To upgrade your ATM Card, contact customer service at the number on the back of your card.

    Safety Check

    Service

    How to Get It

    What It Costs

    Safety Check

    Few things in life are more frustrating than bouncing a check. That's why there's Safety Check. Safety Check transfers funds to your checking account from your savings or money market account in the event your checking account is ever overdrawn.

    Learn More
    • Open a checking and savings account and register for Citi Online
    • Then, just apply online for this product

    $10 
    each day we cover an overdraft

    With Citigold

    FREE

    Few things in life are more frustrating than bouncing a check. That's why there's Safety Check. Safety Check transfers funds to your checking account from your savings or money market account in the event your checking account is ever overdrawn.

    $ 10 dollars and 00 cents each day we cover an overdraft5
    Or, call us at 1-800-374-9500 (TTY 1-800-788-0002) to open an account or learn more.
    1. For the full terms and conditions, see both the Client Manual: Consumer Accounts and the .
    2. Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking® (including bill payments made using Citibank's Telephone Automated Bill Payment Service and Staff Assisted Bill Payments), Citibank® Online, CitiBusiness® Online and Citi MobileSM. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency.
    3. Separate enrollment of eligible checking account in Citi ThankYou® Rewards required. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. taxpayer identification number. Taxes, if any, are customer's responsibility. You must complete 1 Bill Payment and 1 Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. Citigold® and Citi Private Bank clients who do not complete these transaction requirements can earn points at a reduced level.
    4. Citibank does not charge you a fee for using the Citi Alerting Service. However, your wireless carrier may charge you for receiving the text messages you receive from us related to this service.
    5. Citibank will charge an Overdraft Protection Transfer Fee of $10 each day we cover an overdraft by transferring money from your Safety Check contributing account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. This fee is waived for Citigold®, Citi Private Bank, International Personal Banking, and Global Executive Banking customers. For additional terms and conditions regarding Safety Check please refer to the Client Manual-Consumer Accounts and the Marketplace Addendum.
    6. Tickets offers are only available to Citi credit card members and Citibank® Debit Card customers. Ticket orders subject to a service charge. Subject to availability. Ticket limit per account varies by show. Citibank is not responsible for products or services offered by other companies. Citi business cards and Citi professional cards may only be used for business purposes.
    7. © Citibank, N.A. Citi, Citibank, Citigold, Citibank with Arc Design, CitiPhone Banking, Checking Plus, Citi ThankYou and ThankYou are registered service marks of Citigroup Inc. MasterCard® is a registered trademark of MasterCard International Incorporated.