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  • Product offerings may differ among geographic locations. By selecting your state of residence, you'll be shown the specific terms and rates that will apply to your new account.

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    Pricing Packages
     

    They're all about building relationships

    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
    Combined Average
    Balance3
    Monthly Fee4
    Per Check Fee
    Non-Citibank
    ATMs5
    Services
    The Citigold® Account Package
    $0
    $50,000 for all linked deposit or retirement accounts
    OR
    $100,000 in all linked deposit, retirement, credit, or investment accounts, excluding a first mortgage with Citibank
    OR
    $250,000, including linked Citibank mortgage
    $30 if you don't meet the combined balance2
    None
    Waived
    The Basics
    The Extras:
  • 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
    $0
    $15,000
    $20 if you don't meet the combined balance3
    None
    $2.00 / $2.50 per withdrawal7
    The Extras:
  • Interest Checking option
  • First standard checkbook order free
  • Basic Banking Package
    Checking: None
    Savings: $100
    Checking: $1,500
    Savings: $5003
    1. Make 1 Direct Deposit AND 1 Bill Payment each monthly statement period and pay no monthly service fee, OR keep a combined monthly average balance of at least $1,500 in the prior calendar month in either your Basic Checking or with a liked Basic Savings Account and pay no monthly service fee. Otherwise pay a flat $10 monthly service fee.
    None
    $2.00 / $2.50 per withdrawal7
    The Basics
  • Option to link Day-to-Day savings account
  • Citibank® Student Account Package6
    $0
    N/A
    Waived while student is enrolled in college.
    None
    Waived while student is enrolled in college.
    The Basics
    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 do not include payments made by checks or internal transfer payments made to accounts of Citibank or its Citi 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 don't 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 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. The monthly service fee and per check fee will be waived as long as the student is enrolled in college. There is no monthly maintenance 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 will 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, conditions and fees 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.
     
    7 Fee will change to $2.50 per withdrawal starting with the first statement period beginning on or after April 7, 2014
     

    The Basics

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

    • Online bill payment1. Pay virtually anyone in the U.S. anytime.
    • Account Alerts. Get balance updates sent to your e-mail or mobile phone.
    • Online bank statements. See your monthly statement online free.2
    • Online check images. Keep track of your checks that have cleared.
    • Citibank ATMs. Free unlimited use of Citibank ATMs in the U.S.
    • Citi® ThankYou® Rewards. Get points just for banking with us.3

    1 Regular account charges apply.
    2 Periodic statements for checking and a linked Checking PlusŪ account, insured money market, and savings accounts opened through this website will be delivered electronically. 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.
    3 Receive ThankYou® Points every month if you have a checking account with linked qualifying products or services. Separate enrollment of consumer checking account in Citi® ThankYou® Rewards required; eligibility, qualifying products and services and participation subject to terms, conditions and restrictions.