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Region Name

When opening an account online, your rates, terms and conditions will be determined by your state of residence.

State of Residence Region
California CA Region
Connecticut CT Region
District of Columbia DC Region
Florida FL Region
Georgia, S. Carolina, Tennessee SD/Southeast Region
Illinois IL Region
Maryland MD Region
New Jersey NJ Region
New York NY Region
Nevada NV Region
Texas TX Region
Virginia VA Region
All other States* SD/National Region

*Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, N. Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, S. Dakota, Utah, Vermont, Washington, W. Virginia, Wisconsin and Wyoming. The National Region rates, terms and conditions also apply to accounts opened in the following military addresses, territories and possessions: Armed Forces Americas (AA), Armed Forces Europe (AE), Armed Forces Pacific (AP), American Samoa (AS), Guam (GU), Northern Mariana Islands (MP), Puerto Rico (PR) and US Virgin Islands (VI).

Compare Benefits: Options to Fit Your Needs

Rates & Fees

Account The Citigold Account Package The Citi Priority Account Package Other Citi Banking Account PackagesGo to footnote 10
Banking Access Limits
ATM/Debit Daily Cash Withdrawal Maximum $2,000 $2,000 $1,000
Daily Debit Card PIN and Non PIN-Based Purchases Limit $10,000 $10,000 $5,000
Banking Fees
Money Order Fee Waived Waived $5
Official Check Fee Waived Waived $10
Checkbook Order  Reorder (Standard) Waived Waived VariesGo to footnote 7
Stop Payment Request Fee Waived Waived $30
Refunds on fees charged by other banks Unlimited refunds on ATM fees when you use your Citibank® Debit CardGo to footnote 3 Not rebated Not rebated
Foreign Exchange Fee WaivedGo to footnote 8 WaivedGo to footnote 8 3.00%
Checking Plus® (variable rate) line of credit
Rates Variable based on Prime (Prime + 12.00%)Go to footnote 4 Variable based on Prime (Prime + 12.00%)Go to footnote 4 Variable based on Prime (Prime + 15.00%)Go to footnote 4
Overdraft Protection Transfer Fees WaivedGo to footnote 4 WaivedGo to footnote 4 $10 Overdraft Protection Transfer Fee charged once per day when funds are transferred to cover an overdraftGo to footnote 4
MortgageGo to footnote 12,Go to footnote 13
Rate or Closing Cost Benefits Tiered rate or closing cost discount based on relationship balances Tiered rate or closing cost discount based on relationship balances Tiered rate or closing cost discount based on relationship balances
Home Equity Line of Credit
Rates Citigold rate discount of 0.25% Citi Priority rate discount of 0.25% Standard Rates
Annual Fee WaivedGo to footnote 5 WaivedGo to footnote 5 $50Go to footnote 5
Loan Processing Standard Standard Standard
Personal Loans
Rates Citigold rate discount of 0.25% Citi Priority rate discount of 0.25% Standard Rates
Custom Credit Line
Rates Citigold rate discount of 0.25% Citi Priority rate discount of 0.25% Standard Rates
Annual Fee WaivedGo to footnote 6 WaivedGo to footnote 6 $50, but waived if funds are withdrawn or an account payment is made at least once during the yearGo to footnote 6
Citi Personal Wealth Management Investment Accounts (when self-service) Go to footnote 9
Learn More
CPWM Annual Investment Account Fee WaivedGo to footnote 11 WaivedGo to footnote 11 $75
CPWM Annual Account Fee WaivedGo to footnote 11 WaivedGo to footnote 11 $75
Citi Personal Wealth Management Investment Accounts (when Financial Advisor serviced) Go to footnote 9
Learn More
CPWM Annual Investment Account Fee WaivedGo to footnote 11 WaivedGo to footnote 11 $75
CPWM Annual Account Fee WaivedGo to footnote 11 WaivedGo to footnote 11 $75

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Citi offers Citigold clients a world of benefits. Begin your relationship

INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Terms, conditions and fees for accounts, products, programs and services are subject to change.

  1.  Requires a checking account in The Citigold Account Package. There is no monthly service fee for accounts in The Citigold Account Package. If you do not maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to The Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package. We will contact you prior to account conversion and send you complete information about the banking package to which your account will be converted. to text reference of footnote 1
  2.  Requires a checking account in the Citi Priority Account Package. to text reference of footnote 2
  3.  Other banks and service providers may charge you a fee when you conduct a Citibank deposit account transaction using their . You will receive reimbursement from Citibank for fees charged by other banks in any statement period where you are eligible for Citigold. This reimbursement is only available in the Citigold Account Package and is limited to consumer accounts. to text reference of footnote 3
  4.  Rates as of March, 29 2020. Current variable Annual Percentage Rate (): 19.75%; 16.75% variable with The Citigold Account Package and The Citi Priority Account Package. If you are in default, your variable may increase by 2.00%. Citibank will charge an Overdraft Protection Transfer Fee of $10 on the day we cover overdrafts by transferring money from your Checking Plus account or your Checking Plus® (variable rate) account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. This fee is waived for The Citigold® Account Package, Citi Priority Account Package, Access Account Package (as of July 18, 2014, new checkless Regular Checking Accounts in an Access Account Package cannot have a linked Checking Plus (variable rate) account) and Citi Private Bank customers. Overdrafts and Overdraft Protection Transfer Fees can be avoided if fund transfers are taken in advance via online, phone or . to text reference of footnote 4
  5.  

    Rates as of March, 29 2020. Variable Annual Percentage Rate () with the Citigold Account Package or the Citi Priority Account Package can be as low as Prime plus 0.59% (currently 3.84% variable ) and as high as Prime plus 3.49% (currently 6.74% variable ). Additional rate discounts may apply.

    To qualify for the lowest rate, customers must have either the Citigold Account Package or the Citi Priority Account Package, meet relationship balance requirements (as of the closing date); have excellent credit, use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment; meet certain loan to value and lien-position requirements; take an initial draw of at least $25,000 at closing; and have a line amount of at least $100,000. Rates will vary depending on the state where the collateral property is located. The variable is indexed to the Prime Rate as published in the Money Rates section of The Wall Street Journal.

    Maximum APR is 18.00%. Annual fee: $50 during the draw period (not applicable if collateral property is located in Texas) and waived for customers enrolled in the Citigold Account Package or the Citi Priority Account Package at time of account opening. Customers who elect to pay closing costs will receive an additional rate reduction (not applicable if the collateral property is located in Texas). Closing costs can range from approximately $680 to $32,000, except in New York where they can range from approximately $680 to $38,000. Closing costs may vary based upon the line amount, property location and title insurance required.

    An Early Closure Release Fee may be charged to recover all costs incurred for originating your loan and may apply if you close your account within 36 months (not applicable if collateral property is located in Texas). Property insurance and the fee to release an existing mortgage may be required. Applicable for loan sizes up to $1 million. No 3rd lien positions. Home Equity Lines of Credit are available to . residents only.

    Home Equity Lines of Credit with an interest-only draw period require the borrower or borrowers to have $200,000 or more in personal assets with Citi, or $1,000,000 or more in combined personal assets with Citi and other financial institutions. Personal assets include assets such as deposit, checking, savings, money market, investment, Certificates of Deposit, stocks and bonds, retirement, mutual fund, annuities and trust accounts.

    For lines with an interest only draw period, your monthly minimum payments during the draw period can be as low as interest only. If you choose to pay only the amount of interest due, then at the end of the interest-only period you will still owe the original amount you borrowed and your monthly payments will increase because you must pay back the principal as well as interest. Your payment could increase even more if your variable rate increases.

     to text reference of footnote 5
  6.  Rates as of March, 29 2020. Your may be as low as 9.74% variable or as high as 21.74% variable (may vary by state). To qualify for the lowest rate, customers must use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment, meet eligible Citi relationship balance requirements, and have an excellent credit history. Lower rates are available for Citigold and Citi Priority customers and customers with $200,000 or more in eligible Citi relationship balances. If you are in default, your Annual Percentage Rate may increase by 2.00%. Annual Fee of $50 waived for Citigold and Citi Priority customers and anyone who takes a loan or makes a payment on their account once during the year. to text reference of footnote 6
  7.  Fee for the first order of Citibank Account Package standard checkbook order is waived. to text reference of footnote 7
  8.  Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the . and Puerto Rico. to text reference of footnote 8
  9.  As a Citigold client, you can receive banking and lending services, including The Citigold Account Package, from Citibank, ("Citibank"), Member and Equal Housing Lender # 4 1 2 9 1 5, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup ., that offers investment guidance, products, and services through Citigroup Global Markets . (""), member . Citigroup Life Agency ("") offers insurance products. In California, does business as Citigroup Life Insurance Agency, (license number 0 G 5 6 7 4 6). Citigold Relationship Managers are employees of Citibank and are employees and registered representatives of . Citibank, , and are affiliated companies under the common control of Citigroup . to text reference of footnote 9
  10.  Information in this column applies to all other Citibank banking packages except for The Citigold Account Package and The Citi Priority Account Package. to text reference of footnote 10
  11.  The annual fee for your Citi Personal Wealth Management investment account is waived when the account is linked to a checking account in The Citigold Account Package or The Citi Priority Account Package. to text reference of footnote 11
  12.  

    All home loans and lines are made by Citibank, ., # 4 1 2 9 1 5 equal housing lender, and are subject to Citibank's mortgage qualifications. Citigroup Global Markets and Citibank, are subsidiaries of Citigroup

    In and , Citigroup Global Markets is the BROKER ONLY, NOT THE LENDER. Citigroup Global Markets is a registered mortgage broker, Banking Department. In , Citigroup Global Markets is a licensed Mortgage Broker (License Number 0 9 0 3 0 6 7). Citigroup Global Markets and Citibank, , are subsidiaries of Citigroup
     to text reference of footnote 12
  13.  

    Balances of $1 to $49,999.99: $250 off closing costs
    Balances of $50,000 to $199,999.99: one eighth% off interest rate
    Balances of $200,000 to $499,999.99: one quarter% off interest rate
    Balances of $500,000 to $999,999.99: three eights% off interest rate
    Balances of $1,000,000 to $1,999,999.99: fifty% off interest rate
    Balances of $2,000,000or more: five eighths% off interest rate

    A Citibank Deposit Account is required to receive the interest rate discount or closing cost credit. Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount and closing cost credit will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval. Deposit Account balances must be in the account five Business Days following final loan approval, and Investment Account balances must be in the account six Business Days following final loan approval. Citi eligible accounts include a personal consumer Citibank Deposit Account, linked Citibank and Investments held in linked Citigroup Global Markets . ("") accounts. and annuity positions shown on linked account statements are eligible (except tax-qualified annuities under sections 401, 403 or 457 of the Internal Revenue Code). Balances from Citibank business accounts are excluded. Citibank that are not linked to a Citibank Deposit Account are excluded. If you are interested in Citi's banking account relationship offers, please contact your Home Lending Officer or Mortgage Representative. Automated monthly transfers of the mortgage payment from a Citibank personal deposit account are required. Speak to your loan officer about whether the relationship offer is best for you.

    Citibank mortgage relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank mortgage relationship pricing is subject to change without notice.
    Glossary of terms for this offer:
    Business Day means Monday through Friday and does not include federal holidays.
    Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs.
    Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts.
    Investment Account means and investments held in Citigroup Global Markets . ("") accounts.

     to text reference of footnote 13

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