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finder.com’s rating: 3.7 / 5.0
★★★★★
Checking accounts are a safe place to store your money while budgeting for bills and other everyday expenses. With Citi®, you get convenient access to your money with the added peace of mind of banking with one of the Big Four. Plus, the Citi Interest Checking account pays interest on your balances with rewards if you satisfy requirements.
APY | 0.01% Annual Percentage Yield as of 5/3/22. $1 min. to earn. Rate may change before or after account opening. Fees may reduce earnings |
---|---|
Fee | $25 per month |
To waive the fee | Maintain a combined average monthly balance of $10,000+ in eligible linked deposit, retirement and investment accounts |
Minimum deposit to open | $0 |
Intro or bonus offer | Up to $1,500 signup bonus when you open a new account and meet certain balance and qualifying activities by July 17, 2022. |
ATMs | Over 70,000 fee-free ATMs in the US |
ATM transaction fee | $0 |
Out-of-network ATM fee | $2.50 |
Foreign transaction fee | 3% |
Overdraft fee | $34 |
Disclaimer | All information about this product has been collected independently by Finder. |
To open an account, you must meet eligibility requirements that include:
You must provide personal and financial information that includes:
Eligible checking accounts come with three tiers of signup bonuses, each with several required activities.
Only the Citi®, Citigold and Citi Priority Account Packages offer Interest Checking.
The monthly fee, interest rate and perks of your Citi Interest Checking account vary depending on the package you select.
Citi Interest Checking accounts offer a handful of perks that make it stand out from the rest.
Your Citi® debit card unlocks access to more than 70,000 fee-free ATMs and 600 branch locations nationwide. If you can’t make it to a Citi®, Allpoint or MoneyPass ATM, you can still avoid paying extra.
Citi® has a strong international presence, which means you aren’t charged transaction fees if you use a qualifying ATM outside the US.With the Citibank Account Package, you can avoid foreign ATM fees of $2.50 plus 3% of transaction value per withdrawal — plus fees from the ATM owner.
Other ways to avoid non-Citi® and foreign fees:
Compare interest, opening deposits, ATM network and rewards across top checking accounts. Select Go to site to apply.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our banking experts analyze top checking accounts and factors that include monthly fees, the ability to waive fees, ATM networks, overdraft fees, customer service and more.
Learn more about how we prioritize and weight factors in our full methodology for rating checking accounts.
Review by
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
Citi®’s interest-bearing checking accounts come with access to rewards, cash bonuses and a linked savings account to make growing your funds convenient. However, it also comes with maintenance fees that can only be avoided with high average monthly balances. If you’re just starting to build your savings, these accounts might not be your best option.