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    Banking Services

    Compare Savings Accounts

    Citibank is dedicated to helping you find your perfect way to save. Start here to find the Savings Account that's right for you.

    Back to All Savings Products
    Day-to-Day
    Savings Account
    Click to toggle column
    Citibank®
    Savings Plus Account
    Click to toggle column
    Minimum Opening Deposit

    $ 100

    $ 100

    Summary

    This is a simple savings account that provides the opportunity to earn interest in a an FDIC insured account while also offering anytime access

    This is a money market account that provides the opportunity to earn higher interest rates as your balance increases, the peace-of-mind of FDIC insurance and the flexibility of anytime access

    Right for you if:
    • You are looking for a basic savings account with a low minimum opening deposit
    • You want the opportunity to earn higher interest rates as your balance increases
    • You want the security of FDIC insurance and account access anytime, anywhere

    Fees

    Day-to-Day
    Savings Account
    Citibank®
    Savings Plus Account
    Monthly Service
    Fee

    Varies by package

    Varies by package

    How to avoid
    monthly fees

    Enjoy no monthly fees when you maintain a low $500 average monthly balance.1

    • More Ways to Avoid Fees

      More Ways to Avoid Fees

      Avoid monthly fees if you live in a household that has another Citibank account that meets the combined average balance requirements (or is a Citigold® Account).

    When you link your Savings Plus account to your checking account the balances in the account can help you meet the minimum balance requirements for your banking package

    • More Ways to Avoid Fees

      More Ways to Avoid Fees

      Avoid monthly fees if you live in a household that has another Citibank account that meets the combined average balance requirements (or is a Citigold® Account).

    Checking Account Required

    No

    No

    Account Features

    Day-to-Day
    Savings Account
    Citibank®
    Savings Plus Account
    Citibank® Banking Card

    Citibank® Banking Card

    Every Citibank checking, savings, and money market account comes with a Citibank® Banking Card, which is your key to accessing your accounts online, at ATMs, by phone, or at any Citibank Financial Center.

    Yes Yes
    Online Bank Statements

    Online Bank Statement

    Sign up for Citibank's free paperless statements and have your bank statement delivered online instead of by mail. The benefits? You can:

    • View your statement online.
    • Print it out anytime.
    • Order statements going back 7 years—free.

    We'll also send you an e-mail each month when your statement is ready for you to view.

    Yes Yes
    Account Alerts

    Account Alerts

    With Citi Alerting Service, you get free alerts about your Citibank and linked Citi credit card accounts delivered to your mobile phone or e-mail. Alerts can notify you about:

    • Balance — see your current bank or credit card balance; learn when your balance reaches a certain amount.
    • Bill payments — find out about cleared payments and insufficient funds.
    • Credit Cards — get notified a few days before your payment is due or if a payment is past due.
    • Cleared checks — see which checks have cleared
    • CDs — get alerted when your CD is about to mature.
    • Deposits — learn when new deposits are made.
    Yes Yes
    Auto Save

    Auto Save

    Auto Save is a free Citibank service that helps you save regularly by automatically transferring money between your linked Citi accounts—such as from checking to an IRA Money Market or IRA Savings.

    Plus, you can make automatic transfers to your Citibank accounts from your linked accounts at other banks using our free Inter Institution Transfers service.

    Yes Yes
    Online Banking

    Online Banking

    You can take care of your banking without ever visiting a branch. You can pay bills, view account activity, and use a wide variety of self-service options. We are open for you 24/7.

    Yes Yes
    Mobile and Tablet Banking

    Mobile and Tablet Banking

    Manage your accounts anytime, anywhere—view account balances, pay bills, transfer funds and more—with our free

    • Citibank for iPad®—Download the Citibank for Tablets application to your iPad then tap into a powerful new way to view your accounts.
    • Citibank for iPad®—Download the Citibank for Tablets application to your iPad then tap into a powerful new way to view your accounts.
    • Citi Mobile for Smartphones—another way to bank on the go is to use your mobile browser. Launch it. Go to citi.com.
    • Citi® Text Banking—Text a short command—like BAL—to 6942484 and get an answer in seconds.

    1 Regular account charges apply. Citibank and Citi® Cards do not charge you for using Citi Mobile. However, you must have a web-enabled cell or smart phone to use Citi Mobile, and your wireless carrier may charge you for this service.

    Yes Yes
    Real-time transfers

    Real-time transfers

    When you link your checking account to your savings account, home equity line of credit, or your credit card, you can make real-time transfers between them.

    Yes Yes
    Online Transfers to/from non-Citi Accounts

    Online transfers to/from non-Citi accounts

    Inter Institution Transfers is a FREE service that lets you easily transfer money online between your Citibank accounts and your accounts at other banks, brokerages, and credit unions.

    Yes Yes
    Safety Check3 Yes Yes

    Rewards

    Day-to-Day
    Savings Account
    Citibank®
    Savings Plus Account
    ThankYou® Rewards2 Yes Yes

    Additional Information

    Day-to-Day
    Savings Account
    Citibank®
    Savings Plus Account
    FDIC Insurance Yes Yes
    Transaction limits

    Up to 6 per statement period

    Up to 6 per statement period



    Back to All Savings Products
    Or, call us at 1-800-374-9500 (TTY 1-800-788-0002) to open an account or learn more.

      For the full terms and conditions, see both the Client Manual: Consumer Accounts and the .

    1. There is a $500 average monthly balance minimum required to avoid the monthly service fee when the Day-to-Day Savings Account is opened as a standalone account within a Basic Banking Package. Monthly service fee and withdrawal fees are based on the balances maintained in the Basic Savings Account for the calendar month prior to the end of the statement period. Applicant must be a citizen or resident alien of the United States (U.S.) who is at least 18 years old with a valid U.S. taxpayer identification number. All accounts are subject to approval.
    2. 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.
    3. 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.
    4. Citi ThankYou and ThankYou are registered service marks of Citigroup Inc.