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  • 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.

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    • With Citigold

      17.25% variable APRFootnote 1

      Overdraft Protection Transfer Fee

    • With Citi Priority

      17.25% variable APRFootnote 1

      Overdraft Protection Transfer Fee

    • With Citibank Account Package and Basic Banking Package

      20.25% variable APRFootnote 1

      Overdraft Protection Transfer FeeFootnote 2

    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.

    Works With These ProductsFootnote 4

    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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