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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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    What You Get

    Safety Check transfers enough funds to cover your overdraft. Transfers are rounded up to the next $100. If multiple overdrafts occur on the same day, one transfer will be made to cover those overdrafts as long as the funds are available in your savings or money market account.

    How It Works

    To enroll, you need a checking accountFootnote 2 and either a linked savings or money market account.Footnote 1 You can only use one savings or money market account as the contributing account for Safety Check.

    Works With These Products


    • Checking Accounts

    You are applying for an account package that requires you to open both a checking and savings account. If you want only one account type, you can choose a different account package.

    Go Back

    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