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    Banking Services
    • Certificates of Deposit (CDs)

      Who said there are no guarantees in life?

      Earn a competitive and guaranteed CD interest rate, whether you're saving for short or long term goals. With terms from 3 months to 5 years, CDs are a great way to save for what is important to you.

    • Right for you if:

      • You want a guaranteed interest rate
      • You want to select your maturity date
      • You are looking for a safe savings option
    Still have questions? Call us at 1-800-374-9500

    Earn Competitive CD Interest Rates1

    When you open a Citibank® Certificate of Deposit here's how it works:

    • Interest is paid monthly or at maturity for all CDs with terms of one year or less.
    • Interest is paid monthly for all CDs with terms greater than one year.
    • CDs renew automatically at maturity for the same term you initially selected. If you don't want to renew or change your term, you have a 7 calendar day grace period

      7-Day Grace Period

      There is a 7 calendar day grace period after the maturity date, during which additional funds can be deposited and funds can be withdrawn without paying an early withdrawal penalty. This can be done online, by phone or in writing.

      .

    Go or     Go

    3-Month APY Interest Rate Apply OnlineLearn More
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    1-Year APY Interest Rate Apply OnlineLearn More
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    2-Year APY Interest Rate Apply OnlineLearn More
    30-Month APY Interest Rate Apply OnlineLearn More
    3-Year APY Interest Rate Apply OnlineLearn More
    4-Year APY Interest Rate Apply OnlineLearn More
    5-Year APY Interest Rate Apply OnlineLearn More

    Below $10,000

      APY Interest Rate  
    3-month Apply Online
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    18-month Apply Online
    2-year Apply Online
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    3-year Apply Online
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    5-year Apply Online

    $10,000 – $24,999.99

      APY Interest Rate  
    3-month Apply Online
    4-month Apply Online
    5-month Apply Online
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    2-year Apply Online
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    5-year Apply Online

    $25,000 – $49,999.99

      APY Interest Rate  
    3-month Apply Online
    4-month Apply Online
    5-month Apply Online
    6-month Apply Online
    7-month Apply Online
    8-month Apply Online
    9-month Apply Online
    10-month Apply Online
    12-month Apply Online
    13-month Apply Online
    18-month Apply Online
    2-year Apply Online
    30-month Apply Online
    3-year Apply Online
    4-year Apply Online
    5-year Apply Online

    $50,000 – $99,999.99

      APY Interest Rate  
    3-month Apply Online
    4-month Apply Online
    5-month Apply Online
    6-month Apply Online
    7-month Apply Online
    8-month Apply Online
    9-month Apply Online
    10-month Apply Online
    12-month Apply Online
    13-month Apply Online
    18-month Apply Online
    2-year Apply Online
    30-month Apply Online
    3-year Apply Online
    4-year Apply Online
    5-year Apply Online

    $100,000+

      APY Interest Rate  
    3-month Apply Online
    4-month Apply Online
    5-month Apply Online
    6-month Apply Online
    7-month Apply Online
    8-month Apply Online
    9-month Apply Online
    10-month Apply Online
    12-month Apply Online
    13-month Apply Online
    18-month Apply Online
    2-year Apply Online
    30-month Apply Online
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    4-year Apply Online
    5-year Apply Online

    Why shouldn't your banking experience be as unique as you are? With our customizable features it can be. Plus with a Citibank checking account you have additional features to pick and choose from to help you bank your way.

    Manage Your Account

    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.

    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.

    Show Less Services Show More Services

    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.4

    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

    This service lets you transfer money from your Citibank account to other Citibank accounts in the U.S. and these countries.

    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.

    Show Less Services Show More Services

    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 overdraft3
    Or, call us at 1-800-374-9700 (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. For Citigold Private Client rates, please contact your Private Client Advisor or call Citigold Private Client customer service at 1-877-309-0914 or 1-813-604-3080 (toll free within the U.S.)

      Annual Percentage Yield (APY) is accurate as of 04/23/2014. A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term. Minimum opening deposit is .

      To receive a premium rate for your Certificate of Deposit, you must have a linked checking account in the Citigold® Account Package, and the checking account must be your primary account.

      Different rates and terms may apply to a CD held in an Individual Retirement Account (IRA). Please call 1-800-695-5911 for details.
    2. 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.