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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.

    Please note: If you choose to cancel this process, you may be redirected to a page other than the one you requested.

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    Overdraft Protection

    Make sure you're covered with these solutions.

    Citibank protects you from unnecessary overdraft fees and provides a range of services to help you avoid overdrafts.

    Tools to Help Monitor Your Balance

    • Sign up to Citi Alerting Service. for low-balance alerts via email or text message that let you know when your account balance falls below a certain amount.
    • View your account balance in real time on Citibank® Online. If you see that your checking balance is overdrawn, you can transfer money from any linked savings or money market account to cover it.

    Checking Plus®
    (variable rate)

    Revolving line of credit that automatically transfers funds from your credit line to your checking account to cover your banking transactions—no more bounced checks.Footnote 1

    • Apply for Checking Plus® (variable rate) at any Citibank branch
    • No application fee
    • Request up to $10,000 when you apply

    Safety Check

    This service automatically transfers available funds to Checking from your Savings or Money Market account when you bounce a check.

    • Automatically transfers funds from savings to checking to cover overdrafts
    • Helps you avoid bounced checks

    Still have questions?

    Checking Plus: Call 1-877-362-9100
    Safety Check: Call 1-800-374-9700
    Text Telephone (TTY) 1-800-788-0002

    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.

    Select Continue to proceed or choose Cancel to modify your selection.

    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