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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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    No opening deposit

    While there is a monthly service fee of $12, if combined average monthly balance requirements are not met or if qualifying activities are not completed, the Minimum Opening Deposit required is $0 Footnote 1.

    Avoid Monthly Fees

    Complete 1 qualifying Direct Deposit Footnote 7 AND 1 qualifying Bill Payment Footnote 2 during the statement period and pay no monthly service fee


    Keep $1,500 or more in prior calendar month combined average balances in either your Basic Checking or with a linked Citibank® Savings Plus account and pay no monthly service fee

    Citibank® Banking Card

    Your Citibank® Debit Card (banking card) lets you access your accounts online, by phone and at ATMs. Plus, you can use it to conveniently make purchases at thousands of merchants around the globe.

    Bill Payment

    You can make payments to third parties by calling Citiphone Banking or by using Citi Online or Citi Mobile®. When you pay your bills through our bill payment service your payment is transferred electronically or by an official check.

    Direct Deposit

    You may have funds, such as your pay, your pension, or your social security payments sent to your checking, savings and money market accounts by Direct Deposit.

    Please visit the "Extra Features" tab to learn more about the other rewards and benefits that come with your checking account.

    Anytime, Anywhere Access

    Citi Branches and ATMs

    Enjoy access to nearly 900 branches in the US. and over 2,500 in 40 countries, including 1,700 Banamex branches in Mexico. Plus enjoy fee-free access at over 34,000 ATMs in the US Footnote 5. For more information please Get more information Locate Citi branches and ATMs.

    Online Banking

    You can bank anytime, anywhere, at Get more information about online banking.



    Citi Mobile®

    Check balances pay bills and transfer funds on virtually any device – including iPhone, Blackberry and Android devices. Get more information about Citi Mobile.

    Citibank for iPad®

    Manage your accounts with the swipe of a finger. Get unparalleled new views of your financial information and robust tools for planning, savings, investing and borrowing. Get more information about Citibank for iPad.

    Citi®Text Banking

    For quick updates on your Citibank account, just send a short command to MYCITI (692484) to check your account balance and view available credit lines Footnote 3. Get more information about Citi Text Banking

    Dedicated Account Protection

    Citi® Identity Theft Solutions


    How to Get It

    What It Costs

    Citi® Identity Theft Solutions

    Even the mere thought of ID theft is scary. And if you're ever a victim, we have a team of specialists dedicated to help you re-establish your credit and reclaim your identity.

    Learn More about Citi® Identity Theft Solutions
    • Just open any Citibank account or Citi credit card account and this coverage is automatically yours
    • If you ever need to use this coverage, simply call 1-800-627-3999 (in NY metro area) or 1-800-274-6660 (all other areas)

    Our team of Identity Theft Solution Specialist can help you reclaim your identity if you're ever the victim of identity theft. Get more information about Citi Identity Theft Solutions.

    Paperless Statements

    You'll save paper and time, and reduce the chances of your bank statement getting lost or stolen in the mall. Get more information on Paperless Statements.

    Overdraft Protection

    You can use your debit card with confidence, knowing that Citibank will not authorize merchant transactions that exceed your available balance. Get more information on overdraft protection. .

    Balance and Bill Payment Alerts

    Alerts for approaching balance limits and upcoming payments help you avoid extra fees Footnote 4. Get more information on balance and bill payment alerts.

    Relationship Rewards

    Citi® Private Pass®

    With Citi® Private Pass®, Citibank® Debit Card customers can enjoy special access to purchase tickets to thousands of events annually, including presale tickets to the year's hottest concerts, VIP packages to athlete and chef events, tons of special family-friendly experiences and access to complimentary movie screenings and more. Get more information on Citi Private Pass

    Checking Plus

    A Checking Plus® (variable rate) account can provide the overdraft protection you need to help make bounced checks Footnote 6 a thing of the past.

    Safety Check

    Few things in life are more frustrating than bouncing a check. That's why there's Safety Check. Safety Check transfers funds to your checking account from your savings or money market account in the event your checking account is ever overdrawn.

    $ 10 dollars and 00 cents Overdraft Protection Transfer Fee for each day we cover an overdraft with Checking Plus or Safety Check Footnote 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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