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    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 help protect you from bounced checks. 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 want protection against bounced checks, up to the amount of your available credit lineFootnote 3
    • You could use a revolving line of credit
    20.00% variable APRFootnote 1

    To apply to the Checking Plus (variable rate) line of credit:

    Phone number 1-877-362-9100
    For TTY: Use 711 or other Relay Service
    Visit a Branch

    What You Get

    A Checking Plus® line of credit automatically transfers funds from your credit line to your checking account to cover your overdraft. This helps protect you from bounced checks up to the amount of your available credit line!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 your Citi 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 and fund an eligible Citibank deposit account with a balance of at least $1 within 21 days from the date of applicationFootnote 2

    Works With These Products

    Citibank Checking Accounts

    Phone number 1-877-362-9100
    For TTY: Use 711 or other Relay Service
    Visit a Branch

    You are applying for an account package that requires you to open both a checking and savings account. If you want only one account type, you can choose a different account package.

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    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.

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