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). |
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 banksUnlimited 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 Go to footnote 4 | based on Prime (Prime + 12.00%)Variable Go to footnote 4 | based on Prime (Prime + 12.00%)Variable Go to footnote 4 | based on Prime (Prime + 15.00%)
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 FeeWaivedGo 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 FeeWaivedGo to footnote 11 | WaivedGo to footnote 11 | $75 |
Enjoy Your Success
Citi). Not all products and services are provided by all affiliates or are available at all locations. CPB personnel are not research analysts, and the information in this Communication is not intended to constitute
research,as that term is defined by applicable regulations. to footnote reference 1
Rates as of February, 20 2019. Variable Annual Percentage Rate ( ) with the Citigold Account Package or the Citi Priority Account Package can be as low as Prime plus 0.44% (currently 5.94% variable ) and as high as Prime plus 3.34% (currently 8.84% variable ).
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. Additional rate discounts may apply. 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.
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 License Number 0 9 0 3 0 6 7). Citigroup Global Markets and Citibank, , are subsidiaries of Citigroup 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 (to text reference of footnote 12Balances 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 $999,999.99: three eighths% off interest rate
Balances of $1 millionor more: fifty% 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.
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Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup or its affiliates, used and registered throughout the world.