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    Pricing Packages
     

    We value your relationship

    Citibank offers different account pricing packages based on the combined average balance of your linked Citi accounts. By considering all your Citi accounts, you may earn better rates, avoid fees and enjoy a wide range of services!

    Package
    Minimum Opening
    Deposit1
    Monthly Service Fee4
    How to Avoid Monthly
    Service Fee
    Per Check Fee
    Non-Citibank
    ATMs5
    Select Services
    The Citigold® Account Package
    Regular or Interest Checking: $0
    Citibank® Savings Plus Account or Day-to-Day Savings: $100
    $30
    Maintain a combined average monthly balance3 of $50,000 or more in eligible linked deposit and retirement balances for the prior calendar month
    OR
    Maintain a combined average monthly balance3 of $100,000 or more in eligible linked deposits, retirement balances, and investments7 for the prior calendar month
    None
    Waived
    The Basics
    The Extras:
  • Citigold Interest Checking Option, free standard checkbook orders, stop payment requests, incoming wire transfers, money orders and travelers checks.
  • Waived Overdraft Protection Transfer Fee.
  • Waived foreign exchange fee.
  • The Citibank® Account Package
    Regular or Interest Checking: $0
    Citibank® Savings Plus Account or Day-to-Day Savings: $100
    $25
    Maintain a combined average monthly balance of $10,000 or more in eligible linked deposits, retirement balances, and investments7 for the calendar month prior to the last Business Day of your monthly statement period
    Citibank® Savings Plus Account or Day-to-Day Savings: Link your Citibank® Savings Plus or Day-to-Day Savings account to your checking account to help meet minimum balance requirements
    None
    $2.50 per withdrawal
    OR
    Waived if combined average monthly balance requirements are met
    The Basics
    The Extras:
  • Interest Checking option
  • First standard checkbook order free
  • Basic Banking Package
    Basic Checking: $0
    Day-to-Day Savings: $100
    Basic Checking: $12
    Day-to-Day Savings: (not linked to Basic Checking): $4.50
    Basic Checking: Complete 1 qualifying direct deposit6 AND 1 qualifying bill payment2 during the statement period
    OR
    Maintain $1,500 or more in the calendar month prior to the last Business day of your monthly statement period in combined average balances in either your Basic Checking or with a linked Basic Savings account.
    OR
    First-listed owner on the account is 62 or older
    Day-to-Day Savings: Maintain a monthly average balance of $5003or more
    None
    $2.50 per withdrawal
    The Basics
  • Option to link Day-to-Day savings account
  • Access Account
    Regular Checkless Checking: $0
    $10
    Have 1 qualifying bill payment2 posted to your account during the statement period
    OR
    Complete 1 qualifying direct deposit6 during the statement period
    OR
    Maintain $1,500 or more in prior calendar month balances in your account
    None
    $2.50 per withdrawal
    The Basics
  • No overdraft fees – if you do not have available funds to cover a transaction, we will decline it an no cost to you and you will not be charged an overdraft fee.
  • Check writing is not permitted.
  • INVESTMENT AND INSURANCE PRODUCTS: • NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

    Terms, conditions, and fees for accounts, products, programs and services are subject to change.
     
    1 Other minimum initial balances apply to other types of accounts you may open.
     
    2 Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking (including bill payments made using Citibank's Telephone Automated Bill Payment Service and Staff Assisted Bill Payments), Citibank Online, CitiBusiness Online and Citi Mobile®. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates.
     
    3 The combined average monthly balance is the amount required to avoid monthly fees. The account balances that contribute to it vary. For a list of eligible accounts for each package please see your Marketplace Addendum.
     
    4 Any monthly service fees will be applied to your checking account. If you do not have a checking account , 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 Fees charged by other institutions for transactions on non-Citibank ATMs are beyond Citibank's control and are in addition to the fees listed here.
     
    6 Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency.
     
    7 Investment products are offered through Citigroup Global Markets Inc. ("CGMI"), member SIPC. In the United States, insurance products are offered through Citigroup Life Agency LLC ("CLA"). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, CLA and Citibank, N.A. are affiliated companies under the common control of Citigroup Inc
     

    The Basics

    Here are the free basic services you get when you open a Citibank® checking account1:

    • Free online banking. View your account online 24/7.
    • Free unlimited online bill payment. Pay virtually anyone in the U.S. safely and on time.
    • Account Alerts. Get balance updates sent to your e-mail or mobile phone.2
    • Online bank statements. See your monthly statement online free.3
    • Mobile Check Deposit. Manage your account and deposit checks via the Citi Mobile App.2
    • $0 liability for unauthorized purchases and free debit card with no monthly debit usage fee.4
    • Free access to over 34,000 ATMs nationally. Free unlimited use of Citibank ATMs in the U.S.5

    1 Regular account charges apply.
    2 Citibank does not charge you a fee for using these services. However, charges from your wireless carrier may apply. Regular account charges apply. Visit citi.com/citimobile for a current list of compatible devices for Citi Mobile and Citi® Tablet apps.
    3 Periodic statements for checking and a linked Checking Plus® account, insured money market, and savings accounts opened through this website will be delivered electronically.(Access Account customers will only receive the statement for checking). Online statements are not available for any accounts held in an Individual Retirement Account (IRA) or for stand-alone Certificates of Deposit. Nor are they available for any activity performed on Cal Fed systems prior to the conversion to Citibank.
    4 Please consult the Citibank Client Manual – Consumer Accounts and Marketplace Addendum for important conditions and limitations.
    5 Get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your U.S. Citibank® ATM or Debit Card at ATMs in Citibank branches and Citibank branded ATMs at select 7-ELEVEN® stores and other locations, MoneyPass® branded ATMs and Publix® food store ATMs. Not all ATMs owned or operated by Citibank. Not all functions available at all ATMs. Fees charged by other institutions for your transactions on non-Citibank ATMs are beyond Citibank's control. 7-ELEVEN® is a registered trademark of 7-Eleven, Inc. MoneyPass® is a registered trademark of U.S. Bank National Association. Publix® is a registered trademark of Publix Asset Management Company.