Banking with Citi
Explore a variety of FDIC-Insured options to protect and grow your funds.
Banking Made Easy
When you bank with Citi, you can:
- Success Open a checking or interest checking account with no minimum opening deposit1
- Success Obtain unlimited deposits, withdrawals, and check-writing privileges
- Success Enjoy convenient online access
- Success Deposit checks from your mobile device2
1 For full terms and conditions view the Client Manual Consumer Accounts, and the respective Marketplace Addendum for International Personal Bank U.S: For Citigold® Private Client International Account Package, Citigold® International Account Package, Citi International Personal Account Package, click here. For Citi Global Executive Preferred Account Package and Citi Global Executive Account Package, click here
2 Citibank does not charge you a fee for using the Citi Mobile® Check Deposit service. However, charges from your wireless carrier may apply. Regular account charges apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.
Banking products and services are offered through Citibank, N.A., Member FDIC.
With Your Citibank® Debit Card, you can:
- Success Use your Citibank® Debit Card instead of cash and checks—it's accepted at millions of merchants worldwide1
- Success Receive waivers on foreign exchange fees for cash withdrawals and debit purchases2
- Success Enjoy enhanced protection of your account information from unauthorized access by fraudsters when used at chip-enabled terminals and ATMs
- Success Add your Citi Debit Card to mobile wallets
- Success Get cash worldwide at ATMs displaying the Cirrus®, Maestro® or MasterCard® logos1
- Use thousands of fee-free ATMs throughout the U.S.3
1 Withdrawal limits may apply.
2 Fee waivers are subject to change. Applicable for any ATM displaying the Cirrus®, Maestro® or MasterCard® logos.
3 Get cash, make deposits, get information, and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank ATM or Debit Card at ATMs in Citibank branches and Citibank-branded ATMs at other locations. Not all ATMs are owned or operated by Citibank and not all functions are available at all ATMs.
MasterCard® is a registered trademark of MasterCard International Incorporated. Maestro® is a registered trademark of MasterCard International Incorporated and affiliates. Cirrus® is a registered trademark of Cirrus System, LLC, formerly known as Cirrus System, Inc.Terms, conditions and fees for accounts, products, programs, and services are subject to change.
Banking products and services are offered through Citibank, N.A., Member FDIC.
When you save with Citi, you can
- Easily move money between your Citi and non-Citi accounts1
- Use Auto Save to set up recurring automatic transfers from your linked checking account2
- Set up balance and deposit alerts3
- Earn higher Annual Percentage Yield (APY) as your balance grows depending on your account package4
- Sign up for Safety Check to use your Citi Savings account to cover overdrafts1
- Designate a beneficiary on your account(s)
| Citibank Savings Plus Account | Citi® Accelerate Savings Account |
|---|---|---|
| Earn higher rates as your balance grows4 | ||
| Earn higher rates as your balance grows4 | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Interest is compounded daily | ||
| Interest is compounded daily | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Interest is credited monthly5 | ||
| Interest is credited monthly5 | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Interest is paid according to the balance ranges maintained in the account5 | ||
| Interest is paid according to the balance ranges maintained in the account5 | Citibank Savings Plus Account Savings Made Simple✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Make deposit and withdrawals2 | ||
| Make deposit and withdrawals2 | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Write checks | ||
| Write checks | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account |
| The balance will contribute to the combined average monthly balance required to avoid the Monthly Service Fee in your Account Package | ||
| The balance will contribute to the combined average monthly balance required to avoid the Monthly Service Fee in your Account Package | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Deposits are FDIC insured up to applicable limits | ||
| Deposits are FDIC insured up to applicable limits | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Allows designation of a beneficiary (In Trust for Account) | ||
| Allows designation of a beneficiary (In Trust for Account) | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account✓Has feature |
| Minimum opening balance required, refer to your Account Package Terms and Conditions | ||
| Minimum opening balance required, refer to your Account Package Terms and Conditions | Citibank Savings Plus Account✓Has feature | Citi® Accelerate Savings Account |
Have another Citi banking product? Link it to a savings account for an easier way to meet your Citi banking account package combined average monthly balance requirements and avoid monthly fees. By considering all your Citi accounts, you may earn better rates, avoid fees and enjoy a wide range of services. | ||
Note: The Citibank Savings Plus and Citi® Accelerate Savings are both variable rate accounts. | ||
Discover what works best for you. View our weekly rates by account package.
Rates By Account Package
For full terms and conditions and further information, please view the Client Manual Consumer Accounts and the Marketplace Addendum International Personal U.S.: For Citigold® Private Client International Account Package, Citigold® International Account Package, Citi International Personal Account Package, click here. For Citi Global Executive Preferred Account Package and Citi Global Executive Account Package, click here
1There are limits on the number of certain transfers you can make from savings and money market accounts during any statement period. Must be registered on Citibank® Online to transfer online. To register, please refer to the step-by-step brochure "Getting Started With Citibank® Online" for more details.
2Limits apply to the number of certain types of transactions. Refer to the terms and conditions in the Citibank Client Manual – Consumer Accounts.
3Citibank does not charge you a fee for using the Citi Alerting Service. However, your wireless carrier may charge you for receiving the text messages you receive from us related to this service.
4The same rate may be assigned to more than one balance range. We may offer different rates for the Citibank® Savings Plus Account or Citi® Accelerate Savings Account depending on your account package and if that account package contains a linked checking account.
5Interest paid according to the balance ranges maintained in the account. The same rate may be assigned to more than one balance range. We may offer different rates for the Citibank Savings Plus Account and Citi® Accelerate Savings Account depending on your account package. The balance in other linked accounts in the account package will not be used to determine the interest tier in the Citibank Savings Plus Account or the Citi® Accelerate Savings Account.
Banking products and services are offered through Citibank, N.A., Member FDIC.
With Citi Certificates of Deposit, you can:
- Success Earn guaranteed interest rates for the term of your CDs2
- Success Select from a variety of CD terms, maturity dates and laddering options
- Success Earn Competitive rates for both short and long term goals1
- Success View your account(s) online through Citibank® Online
- Success Designate a beneficiary on your account(s)
NEW
Step-Up CD
- Interest rate automatically increases every 10 months
- Security of FDIC insurance
NEW
No Penalty CD
- Guaranteed interest rate for the term of your CD
- Withdraw full balance and interest without penalty after first 6 days you deposit funds3
- Security of FDIC insurance
- Learn more about how CD laddering works.
How CD Laddering Works
Benefits of the CD Ladder
Instead of depositing your money in a single CD, you can choose to divide your funds into several CDs with varying term lengths (referred to as a CD “ladder”). This strategy can offer several benefits, depending on your financial needs and goals.
With a CD ladder, you can:
- Earn a better overall rate: By splitting the funds over a number of FDIC-insured CDs with different maturity dates, you may be able to earn more than a single short-term CD
- Obtain greater access to funds: Staggered maturities give greater access to your funds. You can get a great rate without the long wait
Example: Building a 2 Year CD ladder with $40,000:
- You invest $10,000 each in four different length CDs (i.e., 6 months, 1 year, 18 months, and 2 years) with a range of rates. Each CD term is a step on the ladder.
- When the 6-month CD matures, contact your financial professional to reinvest that money in a new 2-year CD. By this time your original 2-year CD has only 18 months left until it matures.
- At the end of two years, you’ll have four 2-year CDs on your ladder. Plus, one of those 2-year CDs will mature every six months. Which means that every six months you’ll have access to money that’s been growing at a very competitive rate.
Set up your CD ladder with a Citi financial professional today.
Please note: To build a successful CD ladder, you must maintain it. As each CD matures, you must contact your financial professional to reinvest the money from that CD into a new 2-year CD.
The Interest Rates and Annual Percentage Yields (APYs) for Citibank Certificates of Deposit (CDs) are fixed for the term of the CD and can change at maturity. You earn the APY in effect on the day your CD is funded. Minimum opening deposit required. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
1 Deposits are FDIC insured up to applicable limits. For more information, visit
2 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 requirements may apply.
3 Your qualifying deposit must have been fully collected. Partial withdrawals are not permitted.
Banking products and services are offered through Citibank, N.A., Member FDIC.
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International Personal Bank U.S. ("IPB U.S."), is a business of Citigroup Inc. (“Citigroup”) which provides its clients access to a broad array of products and services available through Citigroup, its bank and non-bank affiliates worldwide (collectively, “Citi”). Through IPB U.S. prospects and clients have access to the Citigold® Private Client International, Citigold® International, Citi Global Executive Preferred, and Citi Global Executive Account Packages.
The products and services mentioned in this webpage are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, Isle of Man, San Marino and Vatican. Your eligibility for a particular product and service is subject to a final determination by us. This webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Transactions may be executed outside of your country and without any participation from any Citigroup or Citibank subsidiary, branch or affiliate in your country. Some products may not be registered with the Financial Regulatory body of your country governing such financial products, nor may they be governed or protected by the laws and regulations of your country. Products and services offered by Citi and its affiliates are subject to the applicable local laws and regulations of the jurisdiction where they are booked and offered. Not all accounts, products, and services as well as pricing are available in all jurisdictions or to all customers. Your country of citizenship, domicile, or residence may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls.
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