Citibank’s suite of bank accounts

Choose from five tiered bundles for total banking coverage.

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If you’re looking for comprehensive service, one of Citibank‘s packages could cover all your financial needs in one place. But make sure there’s a location near you if in-person availability is a priority.

What banking products does Citibank offer?

Citibank organizes its accounts into different levels. So instead of considering individual products, compare the mix of checking and savings accounts within each package.

A universal perk is that none of its accounts require a minimum deposit to open.

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
The Citibank Account Interest Checking
over 60,000 fee-free ATMs
Full-feature relationship checking from one of the top brands in the nation
Citi Priority Interest Checking
over 60,000 fee-free ATMs
Priority banking with dedicated support from one of the nation's most popular banks.
Citigold Interest Checking
over 60,000 fee-free ATMs
Banking and wealth management from a Big Four bank.
CitiBusiness Checking
over 60,000 fee-free ATMs
Earn account credits to offset transaction fees, but only by maintaining a $5,000 minimum balance.

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Name Product Interest rate (APY) Fee Minimum deposit to open More info
Citi Savings
$4.50 per month
(can be waived)
Read review
View details
Your savings account will be opened within a package that determines interest rates, balance requirements, benefits and more.
Citi Accelerate Savings
$4.50 per month
(can be waived)
Read review
View details
This savings account offers no minimum deposit and a competitive APY in select areas.

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Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
Citi CD
0.5% on CDs of $25,000+

0.5% on CDs of $0 to $24,999

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How does Citibank compare to other banks or services?

Citibank‘s package system potentially makes it a one-stop shop for your financial needs. But other banks may have better deals for users with low monthly balances and simple needs.

Compared to giants like Wells Fargo and Bank of America, it ranks fourth for total domestic deposits. However, it’s 16th in the list of banks ranked by number of branches, with around 700 physical locations in 12 states nationwide. And other than South Dakota and Illinois, most locations are in coastal states.

Checking accounts


  • Wide-ranging ATM access. It has over 60,000 fee-free ATMs around the country, especially handy if you live in an urban area.
  • Business checking option. Business owners can open a checking and savings account with Citibank.
  • Interest-bearing options. The Citi Interest Checking account earns 0.01% APY on all account balances and earns rewards in the form of gift cards, discounts and travel points.


  • Monthly fees. Most Citibank checking accounts has associated monthly fees ranging from $10 to $30 a month.
  • Strict transaction requirements. For basic Citibank packages, you’ll need to maintain a daily balance of at least $1,500 to $10,000 to waive monthly fees.
  • Overdraft fees. You’ll pay $34 each time you overdraw on your account, up to four times a day. If you have a connected Citibank account, you’ll pay a $10 fee to have money transferred to your account to cover the negative balance.

Savings accounts


  • Sign up bonuses. New account holders can take advantage of sign up bonuses when they open a savings account with Citibank.
  • Low opening deposits. Open an account with as little money as you’d like.
  • Auto save feature. Turn on this feature and have a set amount of money automatically sent to your savings account each month.


  • Less competitive APY on savings accounts. The APY on its standard account starts at 0.1%, which isn’t as high as competitors like Goldman Sachs’s Marcus or Ally’s online savings account.
  • Monthly fees. Same as Citibank checking accounts, you’ll pay a monthly fee on most accounts unless you maintain a certain minimum balance.
  • Withdrawal limits. All savings accounts have a six-monthly transaction limit. If you go over this limit, Citibank may refuse to complete your additional requests.



  • Flexible CD terms. Terms range from three months to five years.
  • Three CD options. Open a No-Penalty CD if you want more access to your money, a Step-Up CD if you want your rate to automatically increase every 10 months or a Fixed-Rate CD if you want to lock in a high rate.
  • Automatic renewals. If you don’t withdraw your money during the grace period, your CD automatically renews for the same term, so your money keeps on growing.


  • Variable minimum deposits. You’ll need at least $500 to $2,500 to open a CD depending on which state you live in.
  • Early withdrawal penalty. You’ll lose 90 to 180 days interest if you need to withdraw your money early — unless you have a No-Penalty CD.
  • Large in-person deposits. If you need to deposit more than $10,000, you may need to visit a local Citibank branch.

Overall banking


  • Packages make it easy to link your accounts. If you’re hoping to pack your checking, savings, investment accounts and loans all together, Citibank might be right for you.
  • International service. Citibank has about 1,800 branch locations overseas, which is convenient if you plan to travel for business or pleasure.
  • 24/7 customer service. Live chat, call or tweet customer service at any time.


  • Monthly maintenance fees. To waive excess charges, you’ll need to maintain a relatively hefty average balance, even at the most basic level. If you don’t have much cash to spare, service fees could bite.
  • Shaky online consumer reputation. Sources like the Better Business Bureau and the Consumer Financial Protection Bureau reflect multiple customer complaints.

Compare Citibank to the competition

      Case study: Katia's experience

      Katia Iervasi profile photo
      Katia Iervasi
      I chose Citibank when I moved to the US, because it was one of the few banks that allowed me to open a checking account while I waited for a Social Security number. I was keen to start setting up my life here, so I was grateful for that flexibility!

      Fast-forward a few years, and I’ve stayed with Citibank for other reasons.

      First, I like how the checking account is automatically linked to a savings account. You don’t need a minimum opening deposit, and there are tiered savings accounts to match your goals.

      Second, the app is sleek and easy to navigate. I can transfer funds, pay bills (for free), set notifications and deposit checks instantly. It also offers handy budgeting tools, such as a spending summary that lays out where my money is going — restaurants, travel, shopping and so on. It doesn’t always categorize my transactions correctly, but it’s close enough.

      Finally, I appreciate Citibank’s physical presence. I can dip my debit card into a huge network of Citibank and MoneyPass ATMs for free. And if I need to speak to a banker, there’s usually a branch wherever I am in New York City. The team is responsive on live chat too: I’m often connected to a rep within 5 minutes, which is much faster than other big banks.

      Citibank reviews and complaints

      The BBB gave it an F rating — the lowest possible. This is due to the fact that it hasn’t responded to 76 complaints, and also because the government has action taken against it for failing to follow the Truth in Lending Act. Basically, it wasn’t reevaluating the APRs on credit cards as frequently as it should have. 134 customer ratings average out to only one star, with 1,041 complaints overall. Also, there’s more than a million complaints filed against Citibank on the Consumer Financial Protection Bureau database.

      However, it’s a member of the FDIC and FFIEC gave it an “Outstanding” rating, so it’s considered legitimate by government-backed institutions.

      Citibank customer service

      Get support from Citibank in the following ways:

      • Phone: For online banking support, call 800-374-9700.
      • Chat online: Log in to your Citibank account to talk to a representative over IM.
      • Branch: Visit an office location to get face time with a banker.
      • Mail: Send a note to Citibank client services at:US Service Center
        Attn: CPS
        PO Box 769007
        San Antonio, TX 78245-9966

      Bottom line

      If you like the idea of housing your accounts under one roof and the monthly balance requirements are feasible for your situation, Citibank could let you check banking off your to-do list. But if you’re hoping for a high APY or want to pick and choose your product mix, shop around for banks that offer more flexibility.

      Frequently asked questions

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