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    Banking Services

    Compare Citibank Checking Accounts

    A personal checking account is just that...personal. We even made picking the right one less of a personal pain.

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    Package
    KEY FEATURES & BENEFITS.1

    Citigold is about simplifying your banking and wealth management with exceptional service, special benefits and priority access to Citi's resources.

    A full service banking package that links the combined average monthly balances for all of your eligible accounts, to help you avoid fees for ATM use and other services.

    A Basic Banking Package is ideal for those who want to keep banking simple. It offers two clear options to avoid paying monthly service fees.

    A complete banking package designed especially for students enrolled in an accredited college.

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

    $ 0

    $ 0

    $ 0

    $ 0

    Summary

    This premium account combines exclusive savings, rewards, and powerful financial advice.

    The full service account with prior month combined average balance helps you to avoid monthly service fees.

    This basic account is ideal for everyday transactions like direct deposit, bill payments and writing checks.

    This student account is specially created for college or University students who want a hassle-free way to bank.

    Right For You If...
    • You want preferred pricing and rates on select accounts2
    • You'd like expert advice and guidance
    • You want Citibank's highest level of service
    • You want to receive the most rewards points for your banking relationship8
    • You keep a balance across accounts of at least $15,000
    • You want use of non-Citibank ATMs with no Citibank fee 1
    • You'd like the option to earn interest
    • You want to be rewarded for your banking relationship8
    • You want the convenience of a Basic full service account
    • You want easy choices to avoid the monthly service fee
    • You need unlimited check writing
    • You want to be rewarded for your banking relationship8
    • You're a student at an accredited college or University
    • You don't want to pay monthly fees
    • You want free ATM use—nationwide
    • You want to be rewarded for your banking relationship8

    Option to Avoid Fees

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Fee-free use of more than 32,000 Citi ATMs Yes Yes Yes Yes
    No monthly service fee charged for completing qualifying banking activities each month, or maintaining a specific balance Yes
    Avoid monthly service fees by linking combined average monthly balances to your eligible accounts, including deposits, loans, credit card balances and investments Yes Yes
    No Citibank fee for use of non-Citibank ATMs, if combined average monthly balances in eligible linked accounts are met Yes Yes
    No monthly service fee or Citibank fees for use of non-Citibank ATMs, regardless of activities Yes
    Free first standard checkbook order Yes Yes

    Rewards

    Yes
    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Possible Earnings for ThankYou Points

    900

    625

    425

    425

    Ability to earn the highest level of ThankYou(R) Rewards for your overall banking relationship Yes

    Other Benefits

    YesYesYesYesYesYesYesYes
    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    24/7 Account access online Yes Yes Yes Yes
    Ability to use Debit Card for online/phone access Yes Yes Yes Yes
    Citibank for iPad® & tablet Yes Yes Yes Yes
    Citi MobileSM Yes Yes Yes Yes
    Unlimited Check Writing Yes Yes Yes Yes
    Checking that Pays Interest Yes Yes
    Waivers and reductions on select fees when investing with Citi Personal Wealth Management Yes Yes
    Access to dedicated Citigold Service Representatives Yes
    Preferred pricing for many mortgages, loans and lines of credit and priority processing on Citibank credit applications Yes

    Fees

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Monthly Service
    Fee3

    $ 30/month 4

    $ 20/month 4

    $ 10/month 4

    No monthly fee 4

    Non Citibank ATMs1

    Waived

    Waived with $15,000 combined average balance, otherwise $2.00 / $2.50 withdrawal 9

    $2.00 / $2.50 per withdrawal 9

    Waived

    How To Avoid
    Monthly Fees

    Have a combined average balance4 of $50,000 for all deposit or retirement accounts

    OR

    have a combined average balance4 of $100,000 in deposit, credit, investment and retirement accounts excluding first mortgage

    OR

    $250,000 if you include your first mortgage with Citi

    Maintain $15,000 in prior calendar month combined average balances – and pay no monthly service fee or non – Citibank ATM 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.

    Enrollment in an accredited U.S. college7

    Per Check Fee

    None

    None

    None

    None

    Manage Your Accounts

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Checks Yes Yes Yes Yes
    Number of Checks
    Per Month

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    ATM/Debit Card Yes Yes Yes Yes
    Debit Transaction Yes Yes Yes Yes
    Direct Deposit Yes Yes Yes Yes
    Auto-Save Yes Yes Yes Yes
    Online Bank Statements Yes Yes Yes Yes
    Online Check Images Yes Yes Yes Yes
    Account Alerts Yes Yes Yes Yes
    Linking Citi Accounts Yes Yes Yes Yes
    Citi ThankYou® Rewards8 Yes Yes Yes Yes

    Ways To Bank

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Online Banking Yes Yes Yes Yes
    Mobile Banking Yes Yes Yes Yes
    Citi MobileSM Apps Yes Yes Yes Yes
    Citi Mobile Smartphones Yes Yes Yes Yes
    Citi Text Banking Yes Yes Yes Yes
    Phone Banking Yes Yes Yes Yes
    Teller Services Yes Yes Yes Yes
    Worldwide ATM Network Yes Yes Yes Yes
    Citibank Branches Yes Yes Yes Yes
    Citibank En Español Yes Yes Yes Yes

    Move Money

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Direct Deposit

    Direct deposit can be transactions like salary, pension or social security payments made to your checking account

    Yes Yes Yes Yes
    Online Bill Payments Yes Yes Yes Yes
    eBills Yes Yes Yes Yes
    Wire Transfers Yes Yes Yes Yes
    Inter-Institution Transfers Yes Yes Yes Yes
    Email Money Transfers Yes Yes Yes Yes

    Protect Money

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Citi® Identity Theft Protection Yes Yes Yes Yes
    Online & Mobile Fraud Protection Yes Yes Yes Yes

    International Services

    Citigold® The Citibank®
    Account
    Basic
    Checking
    Citibank Student Account
    Global Transfers Yes Yes Yes Yes
    Foreign Exchange Services Yes Yes Yes Yes
    Send Money Home Yes Yes Yes Yes


    Back to All Checking Products
    Apply Online
    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 Marketplace Addendum.
    2. Fees charged by other institutions for your transactions on non-Citibank ATMs are beyond Citibank's control and are in addition to the fees listed here.
    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. Rate and fee reductions are those in effect as of 07/14/2011. Subject to change without notice.
    4. Any monthly service fee will be applied to your checking account. If you don't have one, these charges will be applied to your money market or savings account, in that order, depending on the combination of products linked in your pricing package.
    5. For a list of eligible accounts for each package, please read the or the Client Manual: Consumer Accounts you received upon opening your account.
    6. Qualifying bill payments are those using Citibank® Online, Citi MobileSM or CitiPhone Banking®. A bill that is paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates does not qualify as a bill payment.
    7. The Citibank Student Account is only available to students in Colleges/Universities registered with Citibank. Applications for all accounts and services are subject to qualification and approval. You must be 18 years or older to apply. There is no monthly service fee, non-Citibank ATM fee or per check fee as long as the student is enrolled in an eligible accredited institution. After the earlier of the expected date of the student's graduation which you will provide to us at account opening or the date when the student is no longer enrolled in an eligible undergraduate or graduate degree granting institution, this package will be converted to a different Citibank banking package and your accounts will be subject to the terms and conditions currently in effect for that package. We will contact you prior to account conversion and send you complete information about the banking package to which your account will be converted.
    8. 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.
    9. Fee will change to $2.50 per withdrawal starting with the first statement period beginning on or after April 7, 2014.
    10. © 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.