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    • Safety Check.

      Better to be overly safe than overdrawn.

      Make bounced checks history with Safety Check -- overdraft protection that transfers funds from your Citibank Day-to-Day Savings or money market account to your checking account if you account is overdrawn.

      • What it Costs
        $101
      • With the Citigold Account Package
        FEE WAIVED
    • Right for you if:

      • You have a Citibank checking and Day-to-Day Savings or money market account
      • You want the security of overdraft protection
      • You want Citi to transfer money automatically to cover your overdraft plus any fees
    Sign In and Add to Your Account

    What You Get

    Safety Check transfers enough funds to cover your overdraft plus any fees.1 Transfers are rounded up to the nearest $100. And if multiple overdrafts occur on the same day, one transfer will be made to cover those overdrafts as long as the funds are available in your savings or money market account.

    How It Works

    To apply, you need a checking account2 and either a linked Day-to-Day Savings or money market account. You can only use one savings or money market account as the contributing account for Safety Check.

    Also keep in mind that:

    • Safety Check only covers check overdrafts—not overdrafts from online bill payments, transfers or debit card purchases
    • Only 6 pre-authorized transactions can be made from a savings or money market account each statement period—including Safety Check transfers

    Works With These Products


    Sign In and Add to Your Account
    Or, call us at 1-800-374-9700 (TTY 1-800-788-0002) to open an account or learn more.
    1. 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.
    2. If the checking account is a joint account, all owners must authorize the Safety Check coverage. Funds in your contributing account will not be held or set aside for Safety Check overdraft coverage until the funds are actually transferred to cover an overdraft. You will continue to have full access to them, and they will continue to earn interest.