Skip to main content
Select Your Residential State
Please select your state
There are some errors on this page.
  • Please enter your state.
  • 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.

    Please note: If you choose to cancel this process, you may be redirected to a page other than the one you requested.

    Skip to main summary

    Checking Plus® (variable rate) line of credit

    The protection you need, the flexibility you want.

    A Checking Plus® line of credit account provides the overdraft protection you need to make bounced checks a thing of the past. If approved, you can also use this revolving line of credit whenever you need quick access to cash.

    Right for you if:

    • You want the safety of overdraft protection
    • You never want to bounce another checkFootnote 3
    • You could use a revolving line of credit

    With Citigold

    20.00% variable APRFootnote 1

    With Citi Priority

    20.00% variable APRFootnote 1

    With Citibank Account Package and Basic Banking Package

    23.00% variable APRFootnote 1

    What You Get

    A Checking Plus® line of credit automatically transfers funds from your credit line to your checking account to cover your overdraft. That means no more bounced checks!Footnote 3

    If there's an outstanding balance on your Checking Plus account, the minimum payment is automatically deducted each month from your linked checking account. It's that easy.

    How It Works

    The amount transferred is rounded up to the nearest $100, so you have extra protection if other overdrafts occur. You also can borrow funds from your Checking Plus® line of credit directly OR transfer funds from Checking Plus® to any linked account, such as checking, savings or a money market.

    Don't need the extra coverage? Just transfer funds from your checking account to pay back your Checking Plus® advance.

    To qualify, you must have an annual income of at least $10,500. You must have and fund an eligible Citibank deposit account (e.g. checking, savings, CD, or money market) with at least $1 within 21 days from the date of application.Footnote 2

    Works With These Products

    Citibank Checking Accounts

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

    Select Continue to proceed or choose Cancel to modify your selection.

    Share Your Screen With A Phone Representative

    During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

    If you need assistance from a Citi representative, contact us via chat or phone