What You Get
A Checking Plus® line of credit automatically transfers funds from your credit line to your checking account to cover your overdraft plus any fees.Footnote 2 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.