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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 Dedicated team of professionals to assist when you apply for mortgages, home equity loans and lines of credit Dedicated team of professionals to assist when you apply for mortgages, home equity loans and lines of credit 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 for anyone who takes out a loan or makes a payment on their account once during the yearGo to footnote 6
Citi Personal Wealth Management Investment Accounts (when self-service) Go to footnote 9
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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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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 Account Package. to text reference of footnote 1
  2.  Citigold customers are required to maintain a minimum combined average monthly balance of $200,000 in eligible linked deposits, retirement and investment accounts. If you do not maintain the minimum combined average monthly balance requirement, your Citigold Account Package will convert to The Citi Priority Account Package with different terms and conditions. If your account is converted to a different banking package, we'll contact you and send complete information about the banking package to which your account is converting. Combined average monthly balances in the linked accounts within your Citigold Account Package for the calendar month prior to the last Business Day of your monthly statement period will be used to determine eligibility for The Citigold 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 February, 22 2018. Current variable Annual Percentage Rate (): 19.50%; 16.50% 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 February, 22 2018. Variable Annual Percentage Rate () with the Citigold Account Package or the Citi Priority Account Package can be as low as Prime plus 0.34% (currently 4.84% variable ) and as high as Prime plus 3.24% (currently 7.74% 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. 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 $672 to $18,217, except in New York where they can range from approximately $716 to $24,527. 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.

    Home Equity Lines of Credit with an interest-only draw period are also available in combination with a Citi mortgage. Please speak to a personal banker for more details.
     to text reference of footnote 5
  6.  Rates as of February, 22 2018. Your may be as low as 9.49% variable or as high as 21.49% 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 a good 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 client, you can receive banking and lending services, including The Account Package, from Citibank, (Citibank), Member and Equal Housing Lender # 4 1 2 9 1 5, along with financial planning and investment guidance from Citi Personal Wealth Management, which is a business of Citigroup that offers investment products 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

    All home loans and lines are made by Citibank, ., equal housing lender, and are subject to Citibank's mortgage qualifications. 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.  

    Citigold Balances of $200,000 to $999,999.99 receive one quarter% off interest rate
    Citigold Balance of $1 million + receive three eighths% off interest rate

    If you currently have or intend to open a consumer account with Citi within 5 days of receiving full loan approval, those balances can either reduce your interest rate or provide you with a closing cost credit as shown in the table above. The balances in a Citibank consumer account will be calculated based upon the assets you will have after any down payment and or closing costs.

    Eligible accounts include a personal consumer Citibank deposit account (for example, checking, savings, certificates of deposit or money market account) and include investments and held in linked Citigroup Global Markets (), as well as annuity positions shown on linked Account statements.
    Tax qualified annuities that qualify under sections 401, 403, or 457 of the Internal Revenue code cannot be counted as an eligible account; nor can Citibank business accounts and business retirement accounts.
    with participants other than the account owner and their spouse, or partner cannot be counted as an eligible account.
    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.
     to text reference of footnote 13

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