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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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    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 deposit accounts at other financial institutions 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 financial institution.

    You can even use Inter-Institution Transfers to move money from your deposit accounts at other financial institutions 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 deposit 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

    We recommend that you add any existing linked external deposit accounts and scheduled transfer instructions to our new Citi "Transfer Between Your Accounts" service.

    TIMING OF TRANSFER* 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 Tenured**** $15,000 Untenured
    Inbound daily – $100,000 Tenured**** $10,000 Untenured
    Outbound monthly – $50,000 Tenured**** $15,000 Untenured
    Outbound daily – $25,000 Tenured**** $10,000 Untenured

    * 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.

    *** Customer has one or more Citi consumer accounts open for at least 91 days; credit card or first mortgage accounts are not included. Based on those accounts linked to online profile used with IIT service.

    Click here to see Inter Institution Transfer Terms and Conditions

    Works With These Products

    • Checking Accounts
    • Savings Accounts

    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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    Share Your Screen With A Phone Representative

    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.

    If you need assistance from a Citi representative, contact us via chat or phone