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    Banking Services
    • Citigold®

      An experience built around you.

      It may start with a premium checking account, but as a Citigold client you'll be recognized with additional layers of exceptional service, special benefits and preferred access around the globe.
      You can also earn the highest level of rewards for your overall banking relationship with Citi ThankYou® Rewards.5

      Compare Checking Accounts

    • Right for you if:

      • You want access to a dedicated service team
      • You expect preferred pricing and rates on select products that recognize your total Citi relationship
      • You want to earn the highest level of rewards5 for your overall banking relationship
      • You want enhanced access to financial guidance
      • You want to take advantage of Citigold's global benefits

    Avoid Monthly Fees. Get More Service

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

    • As you do more with Citi, your Citigold relationship has even more advantages.
    • No opening deposit required for a Citigold checking account.
    • Waive monthly service fees on your Citigold checking account by linking accounts. There's no monthly service fee for the first two statement periods. After that, we'll continue to waive the monthly service fee if the combined average monthly balance of your eligible linked accounts is:
    • $50,000 or more for all linked deposit and retirement accounts OR
    • $100,000 or more across all your eligible linked Citi accounts, including investments and loan balances, but excluding mortgage balances.

    Otherwise, a $30 monthly service fee will apply.1

    Access and Service

    • Option to choose interest-bearing or non-interest bearing checking accounts
    • Priority processing on credit applications
    • Experienced, dedicated Citigold Customer Service Representatives
    • Access to more than 30,000 fee-free ATMs across the U.S.2
    • Online conveniences including free bill payment
    • Easy-to-use mobile and tablet banking services that allow you to check your balance and account activity, pay bills, and transfer funds
    • Women & Co.©, a service of Citi, is the go-to source for what women want to know about personal finance. Sign up for free at womenandco.com.7

    The Citigold Service Promise

    • Respond quickly to your questions and requests
    • Stay involved and always keep you informed
    • Make your satisfaction our top priority

    Recognition and Benefits

    • Waived fees for overdraft protection, standard checkbook orders, stop payments, incoming wire transfers, money orders and non-Citibank ATM usage
    • Citi ThankYou® Rewards program– Citigold clients can earn the highest amount of points available for a checking package5
    • Preferred pricing for loans and lines of credit including Home Equity Loans and Lines of Credit4
    • Discounts for foreign currency transactions and safe-deposit boxes
    • Preferred interest rates on selected deposit products3

    Access and Guidance

    • Informed referrals to Citi Personal Wealth Management Financial Advisors and access to a world class investment platform
    • Preferred access to banking knowledge—from deposits to lending to global banking
    • Resources and insights from Citi's global research and analyst teams
    • Guidance and tools to create a well-diversified portfolio6
    • Tailored information, education and events to help meet your needs
    • Reduced Citi Personal Wealth Management fees

    INVESTMENT PRODUCTS  • NOT FDIC INSURED  • NO BANK GUARANTEE  • MAY LOSE VALUE

    Earn Premium Rates With Citigold© Interest Checking8

    • Our premier account package
    • Waived monthly service fee if you meet balance requirements
    • Apply online, by phone or at a Citibank Financial Center

    Account Balance APY Range Interest Rate

    Global Benefits

    • Customer service around the world via an exclusive toll-free number
    • No foreign exchange fees with using your Citigold Banking Card for ATM withdrawals or debit card purchases in participating countries
    • Local currency at preferential rates in more than 30 countries
    • Access to emergency cash, allowing you to withdraw up to $10,000 from your Citigold account at no fee, based on balances in linked accounts
    • Access to more than 4,000 Citibank branches and 13,000 ATMs around the world
    • Depending on availability, space to hold meetings in 500 Citibank Global Access branches
    • When relocating abroad, prearrival account-opening help and transfer of your established credit history, where available

    Why shouldn't your banking experience be as unique as you are? With our customizable features, it can be. Simply pick and choose the ones you want, then bank your way.

    Manage Your Account

    ATM/Debit Card

    Service

    How to Get It

    What It Costs

    ATM/Debit Card

    Have Citibank® Banking Card, will travel. Get easy access to your accounts online, by phone and at ATMs.

    Learn More
    • Open a checking or savings account and this card is automatically yours

    Get free access to your accounts online, by phone and at 29,000 ATMs in the US7

    Have Citibank® Banking Card, will travel. Get easy access to your accounts online, by phone and at ATMs.

    Online Bank Statements

    Service

    How to Get It

    What It Costs

    Online Bank Statements

    Stop shuffling through piles of paper to find the statement you need. With Online Bank Statements, you can view your statement online and print it out anytime...free.

    Learn More
    • First, open any checking, savings or money market product
    • Then, you'll be notified by email each month when your statement is available online

    Free

    Save a tree. You'll get an email each month when your statement is ready to view.

    Show Less Services Show More Services

    Account Linking

    Service

    How to Get It

    What It Costs

    Account Linking

    Linking your Citi accounts can save you time and money. That's because you can access your accounts in one place and transfer funds between linked accounts. Plus, linking can help you avoid monthly fees and enjoy relationship pricing.

    Learn More
    • Once your account is open and ready to use, register for Citi Online
    • Then you can link your Citi® products together and manage them from a single place.

    Free

    Link your Citi accounts so you can access them in one place, and avoid monthly fees.

    ThankYou® Rewards5

    Service

    How to Get It

    What It Costs

    Citi®ThankYou® Rewards

    See just how rewarding banking can be. Your ThankYou Points add up to valuable rewards.

    Learn More
    • Apply for a checking account and once it's open, you can register for ThankYou Rewards

     

    See just how rewarding banking can be. Your ThankYou Points add up to valuable rewards.

    Account Alerts

    Service

    How to Get It

    What It Costs

    Account Alerts

    Just because you're out doesn't mean you have to be out-of-touch with your accounts. Get free updates about your bank and credit card accounts by text or email.

    Learn More

    Free

    Know your money's every move, even when you're on the move. Get free account alerts by text or email.9

    Online Check Images Service How to Get It What It Costs Online Check Images With free online check images, it's never been easier to see your checks that have cleared in the past 18 months. You can even print your checks for proof of payment. Learn More Become a Citibank customer and register for Citi Online Then, when you want to see your checks online, just go to account details and click the "View Image" link Free

    It's never been easier to see which checks have cleared or even print them for proof of payment.

    Direct Deposit

    Service

    How to Get It

    What It Costs

    Direct Deposit

    Move your money without moving a muscle—certain checks can go directly into your account.

    Learn More
    • Check with your company's Payroll department about how to sign up
    • If your company can't provide you with the proper form, you can use this one
    • To directly deposit your Social Security, or other federal benefits, call 1-800-333-1795 or visit godirect.gov

    Free

    Move your money without moving a muscle—certain checks can go directly into your account.

    Auto Save

    Service

    How to Get It

    What It Costs

    Auto Save

    You've got enough to think about. Why not set up regular, automatic transfers from your checking account to your savings or money market account?

    Learn More
    • Make sure you register for Citi Online
    • Then, sign on, go to Transfers and set up a recurring transfer from your checking account to your savings or money market account

    Free

    You've got enough to think about. Why not set up regular, automatic transfers from your checking account to your savings or money market account?

    Move Your Money

    Online Bill Payments

    Service

    How to Get It

    What It Costs

    Online Bill Payments

    Welcome to no stamps, no check writing and no mailing. Move to 21st century bill paying—it's a snap to use and comes with our Online Bill Payment Promise.

    Learn More
    • Become a Citibank customer and register for Citi Online
    • Then, go to Payments, set up your payee list and you're ready to start paying bills

    Free

    Go checkless. Our free online bill payment service lets you pay virtually anyone in the U.S.

    eBills

    Service

    How to Get It

    What It Costs

    eBills

    With the convenient eBills service, you can receive, view and manage your bills right where you pay them—on Citi Online!

    Learn More
    • Become a Citibank customer and register for Citi Online
    • Then, go to Payments, set up your payee list and enroll your payees in the eBills service to start receiving and managing bills

    Free

    You can receive, view and manage your bills electronically, from right where you pay them.

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    Wire Transfers

    Service

    How to Get It

    What It Costs

    Wire Transfers

    Wire transfers are a convenient way to send money from your Citibank checking or money market account to non-Citi accounts in the U.S. and internationally.

    Learn More
    • Make sure you register for Citi Online
    • Then, go to Transfers, have your recipient's account and destination bank information handy and you're ready to make a wire transfer

    From as low as

    $18.75/ $25.0011

    With Citigold,

    as low as

    $12.50/ $17.5012

    Send money without leaving home. You can send money to any financial institution in the U.S. Also available for international services.

    Inter-Institution Transfers

    Service

    How to Get It

    What It Costs

    Inter-Institution Transfers

    Inter Institution Transfers let you make online transfers between your Citibank accounts and your accounts at other banks, brokerages and credit unions in the U.S. It's quick and currently there are no fees to send or receive money.

    Learn More
    • Become a Citibank customer and register for Citi Online
    • Then, go to Transfers and set up your non-Citi account by providing the account number and ABA number—once the account is added, you're ready to make an Inter Institution Transfer

    Free

    Get your money where it needs to be. Transfer funds to your own accounts in other financial institutions in the U.S.

    Popmoney®

    Service

    How to Get It

    What It Costs

    Popmoney®

    The hassle of cash and checks is so yesterday. Welcome to Popmoney—the new way to "Pay Other People" directly from your Citibank account. It's quick and and currently there are no fees to send or receive money.

    Learn More
    • Become a Citibank customer and register for Citi Online
    • Then, just enroll in Popmoney and you're ready to send and receive money.

    Free

    The hassle of cash and checks is so yesterday. Welcome to Popmoney—the new way to "Pay Other People" directly from your Citibank account. It's quick and fee-free.

    Citibank Global Transfers

    Service

    How to Get It

    What It Costs

    Citibank Global Transfers

    Need to get funds from Texas to Korea? This service lets you transfer money from your Citibank account to other Citibank accounts in the U.S. and these countries.

    Learn More

    Citibank Global Transfer Destinations

    • Australia
    • Bahrain
    • Belgium
    • China
    • Colombia
    • Czech Republic
    • Egypt
    • Greece
    • Hong Kong
    • Hungary
    • India
    • Indonesia
    • Japan
    • Korea
    • Mexico
    • Philippines
    • Poland
    • Singapore
    • Spain
    • Taiwan
    • United Arab Emirates
    • United Kingdom
    • Make sure you register for Citi Online
    • Then, go to Transfers, have your recipient's account information handy, and you're ready to make a Citibank Global Transfer

    As low as

    $0

    Move funds to Citibank accounts in the U.S. Also available for international services.


    Direct Deposit for Your Tax Refund

    Service

    How to Get It

    What It Costs

    Direct Deposit For Your Tax Refund

    Get your refund where it should be with the IRS split refund program. It can easily and conveniently be directly deposited in up to 3 separate accounts.

    Learn More
    • Become a Citibank customer
    • When you file your tax refund, complete the Refund area on Form 1040 or IRS Form 8888 and attach it

    Free

    Enjoy your tax refund faster when the IRS deposits it directly into up to 3 of your Citibank accounts.

    Protect Your Money

    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

    Identity theft can be a scary prospect. But you get specialists to help you reclaim your life—all for free.

    Online & Mobile Fraud Protection

    Service

    How to Get It

    What It Costs

    Online & Mobile Fraud Protection

    This free service helps to cover you against loss in the unlikely event there are unauthorized electronic funds transfers in your Citibank deposit accounts.

    Learn More
    • Just open any Citibank deposit account and this coverage is automatically yours

    Free

    This free service helps to cover you against loss in the unlikely event there are unauthorized electronic funds transfers from your Citibank deposit accounts.

    International Services

    Citibank Global Transfers

    Service

    How to Get It

    What It Costs

    Citibank Global Transfers

    Need to get funds from Texas to Korea? This service lets you transfer money from your Citibank account to other Citibank accounts in the U.S. and these countries.

    Learn More

    Citibank Global Transfer Destinations

    • Australia
    • Bahrain
    • Belgium
    • China
    • Colombia
    • Czech Republic
    • Egypt
    • Greece
    • Hong Kong
    • Hungary
    • India
    • Indonesia
    • Japan
    • Korea
    • Mexico
    • Philippines
    • Poland
    • Singapore
    • Spain
    • Taiwan
    • United Arab Emirates
    • United Kingdom
    • Make sure you register for Citi Online
    • Then, go to Transfers, have your recipient's account information handy, and you're ready to make a Citibank Global Transfer

    Incoming transfers – Free
    Outgoing transfers – No Transfer Fee

    Moving funds to Citibank accounts in select foreign countries is just a click away.

    Foreign Exchange Services

    Service

    How to Get It

    What It Costs

    Foreign Exchange Services

    You've got enough to take care of before a big trip. With World Wallet®, get next business day delivery of foreign currencies to your home, office or nearest branch.

    Learn More
    • Open a Citibank checking, savings or money market account
    • Then, call 1-800-756-7050 to order your currency for next day delivery

    Free delivery to any branch or $5 for home delivery (waived for Citigold® clients).

    With Citigold

    Free

    Need foreign currency? We can deliver up to 50 currencies to your home or office — next day.

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    International Wire Transfers

    Service

    How to Get It

    What It Costs

    Wire Transfers

    Wire transfers are a convenient way to send money from your Citibank checking or money market account to non-Citi accounts in the U.S. and internationally.

    Learn More
    • Make sure you register for Citi Online
    • Then, go to Transfers, have your recipient's account and destination bank information handy and you're ready to make a wire transfer

    From as low as

    $18.75 / $ 25.00 11

    With Citigold,

    as low as

    $12.50 / $ 17.50 12

    Send money far and wide to financial institutions anywhere in the world.

    Account Add-Ons

    Add to your peace-of-mind by adding on one or all of these protective services. They're a great way to help keep your account safe.

    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 overdraft10
    Or, call us at 1-877-362-9100 (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. Get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank© ATM or Debit Card at ATMs at Citibank branches and Citibank-branded ATMs at other locations. Not all ATMs owned or operated by Citibank. Not all functions available at all ATMs.
    3. To receive a preferred rate, you must have or open a linked checking account in The Citigold© Account Package, and the checking account must be your primary account. Subject to change without notice.
    4. Loans and lines subject to credit approval. Certain limitations may apply.
    5. Separate enrollment of consumer 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.
    6. Diversification does not ensure a profit or protect against loss.
    7. Women & Co. is a service of Citibank, N.A., that provides financial content, commentary and related resources intended for informational purposes only. The views expressed in Women & Co. content constitute the judgment of the author(s) as of the publication date and are subject to change without notice. Women & Co. makes no guarantee about the accuracy of information provided by any third party. Women and Company, Women & Co., Citibank, Citi, and Citi with Arc Design are registered service marks of Citigroup Inc.
    8. Annual Percentage Yield (APY) is accurate as of 04/19/2014. Rates are variable and subject to change after account opening without notice. Amounts in each balance range can earn a different rate. For Annual Percentage Yield (APY) calculation purposes, a maximum deposit of $500,000 is assumed. Fees may reduce earnings.
    9. 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.
    10. 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.
    11. New Wire Transfer Fee starting May 5, 2014.
    12. New Wire Transfer Fee starting May 5, 2014. This fee will be waived for Citigold® Account Packages that had a combined balance of $500,000 or more for the monthly period that was two (2) calendar months before the date of the transaction.
    13. Checking Plus© (variable rate), personal loans, and Home Equity Loans and lines of credit as well as First Mortgage products are offered by Citibank, N.A., an Equal Housing Lender.

      Citigold provides its clients access to enhanced levels of services and benefits from Citibank, N.A. (Citibank) and its affiliates in the U.S. Citibank provides banking and lending services, including the Citigold Account package. Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products 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). Terms, conditions and fees for accounts, products, programs and services are subject to change. Citigold Relationship Managers and Private Client Relationship Managers are employees of Citibank, N.A. and are employees and registered representatives of CGMI. Citibank, CGMI and CLA are affiliated companies under the common control of Citigroup Inc.

      © Citigroup. Citi, Citi with Arc Design, Checking Plus, Women & Company, Women & Co., ThankYou, Citi ThankYou and Citigold are registered service marks of Citigroup Inc. Citigold Conversation is a service mark of Citigroup Inc.