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    Sign On and Make a Transfer

    What You Get

    Inter-Institution Transfers is a free service that lets you make one-time or recurring online transfers between your Citibank accounts and your accounts at other banks, brokerages and credit unions in the US.

    Easily make transfers between your Citibank checking, savings or money market account AND your checking, money market or investment account at another institution.

    You can even use Inter-Institution Transfers to move money from your accounts at other financial firms directly into your high-interest Citibank savings account.

    How It Works

    Using Inter-Institution Transfers from Citibank is easy. You can:

    • Make one-time and recurring transfers
    • Make a transfer simply by setting up your non-Citi account by providing the account number and the ABA number

      An ABA number—or routing number—is a 9–digit number assigned to the bank by the American Bankers Association (ABA) and used for routing transfers and other transactions. Think of it as the bank's address.

    • See the chart for the amounts you can transfer

    IMPORTANT NOTICE: Citi is in the process of upgrading the customer experience for the Inter–Institution Transfer (IIT) Service. The timing and limits applicable to your transfers may differ during this transition period, depending on whether you are utilizing an existing or new feature on Citi Online to make your transfer request.

    We recommend that you add any existing linked external accounts and scheduled transfer instructions to our new Citi "Transfer Between Your Accounts" service. Please review the FAQ's below for further details.

    EXISTING EXPERIENCE NEW EXPERIENCE
    TIMING OF TRANSFER* Standard ACH – 1 AM ET
    Next day ACH – 3 PM ET
    Same day ACH – Instructions received before 12:30 PM ET
    Next day ACH – Instructions received after 12:30 PM ET
    TRANSFER LIMITS** Inbound monthly – $100,000
    Inbound daily – $100,000
    Outbound monthly standard ACH – $15,000
    Outbound daily standard ACH – $10,000
    Outbound monthly next day ACH – $2,500
    Outbound daily next day ACH*** – $1,000
    Inbound monthly – $100,000
    Inbound daily – $100,000
    Outbound monthly – $50,000
    Outbound daily – $25,000

    * The times shown here affects when your transfer request will be executed. Transfers will be executed on the Business Day requested if your instructions are entered before the cutoff time shown. Transfers are subject to applicable limits.

    ** Monthly limits are measured on a rolling 30 calendar day basis.

    *** In order to request an Outbound Next Day Transfer, the available balance in your Eligible Citibank Account must exceed the amount of the requested transfer by at least $500.

    Important Notice re: Next Day Transfers to External Accounts:
    Outbound daily and monthly next day transfer limits are currently limited to $50. Existing instructions for scheduled one-time or recurring next day transfer transactions greater than $50 will not be processed.

    Works With These Products


    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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    During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

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