Should You Open a Savings Account or CD?
Read about the differences in savings accounts and CDs and how to set aside money for your future needs.
Open a Citi® Certificate of Deposit to earn a guaranteed interest
rate on the money you save during the CD term.
Already a customer? To apply with a pre-filled application,
If your account hasn’t been converted to simplified banking, see product & pricing informationfor account packages.
What can I expect from my CD?
Set your money aside in a CD and watch your funds grow with a guaranteed interest rate for the term of the CD.
Your CD is FDIC-insured up to FDIC limits.2
Save for now or the future with CD terms from 3 months to 5 years.
We have answers to your Certificate of Deposit questions.
A Certificate of Deposit (CD) is a time deposit account that allows you to save and earn a fixed interest rate by locking your money away for a specific length of time called the CD term. You get to choose how long you want to lock your money away, and Citi offers terms ranging from 3 months to 5 years.
A CD and savings account are similar since you can earn interest on the money you save through both. A CD gives you guaranteed rates in exchange for locking your money away. The interest rate will not change after you open the CD account. CDs, like savings and money market accounts, are FDIC insured up to allowable limits.2 Thus, the main difference between a CD and a savings or money market account is that with a savings or money market account you can access your money at any time without penalty, but the interest rate can change. However, with a CD, you can’t easily access your money during the CD term, and the interest rate won’t change during the CD term. If you need to access your money before the CD term ends, you will be required to pay a penalty for early withdrawal.†† CDs may also offer higher interest rates in comparison to a savings account.
††In addition to the standard fixed rate CDs that apply a penalty for early withdrawal, Citi also offers no-penalty CDs. These CDs don’t have early withdrawal penalties beginning seven days after the no-penalty CD is funded. These CDs also pay guaranteed rates but offer more flexibility and access to your money by allowing you to withdraw your full balance without penalty, beginning seven days after the no-penalty CD is funded. Therefore, it’s important to check which type of CD you have and the specific terms and conditions for that CD type.
All Citi CDs are insured by the Federal Deposit Insurance Corporation (FDIC) up to allowable limits.2
An important feature of a CD is that when the CD term ends (called the CD Maturity Date), if you do not make changes, the CD will automatically renew for the same term at the interest rate available at that time. Once your CD renews, the funds will be locked once again for a new term until the next CD Maturity Date. If you don’t want your CD to automatically renew, you will have up to a 7-calendar day period (called the Grace Period) to close the CD without penalty. During the Grace Period, you also can make changes such as adding or withdrawing money from your CD, or changing to a different term. If you complete one of those actions, your Grace Period will end, your opening date will reset and a new CD Maturity Date will apply.
Before your CD matures, Citi will remind you of your upcoming CD maturity by sending you a CD Notice of Maturity approximately 30 days before your CD Maturity Date. You also can set up digital reminders of your upcoming CD Maturity Date.
You can renew and make changes to your CD online by logging into Citi.com or on the Citi Mobile® App. You also can call us or visit a branch.
You can choose to have your interest payment credited to the CD account or to a linked Citi transaction account, such as a checking, savings or money market account.
Your interest payment frequency depends on the CD type and term length. For CDs with terms of 1 year or less, you can select for interest to be credited either monthly or at maturity. For the No Penalty CD and CDs with terms greater than 1 year, interest is credited monthly.
You can withdraw interest from your CD without penalty, at any time during the term after it has been credited. If your CD automatically renews after the grace period, your interest is added to your principal balance and can’t be withdrawn without penalty until the next CD Maturity Date.
Interest on CDs is compounded daily. If you select to have interest credited to another account, this may reduce your APY since the APY assumes interest remains on deposit in the CD account until maturity.
Penalties will depend on the type of CD, the CD term, the amount of principal withdrawn, and the interest rate. To learn more about the specific penalties for each CD, please review the terms and conditions for Certificates of Deposit in the Client Manual Agreement.
No. There are no fees for opening a CD with Citi.
No. You can’t partially withdraw your money from a No Penalty CD. However, you can withdraw your full account balance beginning seven days after your account has been opened and funded.
Additionally, once your account has been opened and funded, you won’t be able to add additional money during the term of the CD. You will have the opportunity to add money once your CD matures and has entered the grace period.
When the No Penalty CD automatically renews, it will renew for the same 12-month term but without the no penalty feature. If you would like to continue with a No Penalty CD with the no penalty feature, you can close your original No Penalty CD upon maturity and open a new one.
When the Step Up CD automatically renews, it will renew to another 30-month term without the step up feature. Thus, the rate will no longer increase every 10 months like it did previously. If you want to continue in a CD with the step up feature, you can close your original Step Up CD upon maturity and open a new one.
All CDs automatically renew at maturity for the same term at the rates in effect on the CD renewal date.
You can’t renew an existing CD into a new No Penalty or Step Up CD. A No Penalty CD or Step Up CD can only be created by opening a new CD. If you want to change your existing CD to a No Penalty or Step Up CD, you can close your existing CD at maturity and open a new No Penalty or Step Up CD.
Yes. At maturity, you can renew any type of CD (Fixed Rate CD, No Penalty CD and Step Up CD) into any Fixed Rate CD at the rates in effect on the CD renewal date.
Enjoy easy access to your funds while you earn interest with a Citi Savings Account.
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Read about the differences in savings accounts and CDs and how to set aside money for your future needs.
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CD laddering is a smart, simple way to grow your savings. Learn more about how CD laddering can benefit you.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Pricing & Fee Waivers
CD accounts do not have monthly service fees.
Account Monthly Service Fees* for checking and savings accounts and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.
In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:
Deposit Account | Monthly Service Fee |
---|---|
Access Checking | $5.00 |
Regular Checking | $15.00 |
Savings*** | $4.50 |
*Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.
**An EDD is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking, savings or MMA account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.
***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
Checking accounts and Savings accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion. CD accounts are subject to closure after 20 consecutive calendar days with a zero balance.
Relationship Tier & Re-Tiering Information
Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to Relationship customers”) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month.
All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Client Manual Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and International Personal Bank.
Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier’s minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier’s minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we’ll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.
Family Linking
If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members (“Members”), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Client Manual Agreement. and note retirement accounts have different rules for Family Linking than other EDI accounts.
Calculator
Calculator results are intended for illustrative purposes only. The calculator results for a traditional CD or a CD ladder are intended for illustrative purposes only. Estimated interest earned is based on assuming a year has 365 days. Your actual Interest Earned may be different. These calculators are not intended to offer any tax, legal, or financial advice and do not guarantee your eligibility for any specific product(s). The CD Ladder Calculator assumes that as each CD in the ladder matures, it is automatically renewed for the term, interest rate, and Annual Percentage Yield (APY) associated with the longest-term CD in the laddered portfolio. Calculator assumes each CD has a fixed interest rate that does not change during the term of the CD and interest is not withdrawn before maturity. You earn the APY and interest rate in effect on the day your CD is opened or renewed. Rates are subject to change at any time without notice before CD account opening or renewal. Penalties apply for early withdrawal. A withdrawal will reduce earnings. Fees may reduce earnings.
Please review your Client Manual Agreement. for a complete list of waived and reduced fees.
Not all benefits are available at account opening.
The funds in your Deposit Account at each Program Bank are eligible for insurance by the FDIC up to $250,000 (including principal and accrued interest) per depositor in each insurable capacity (e.g., individual, joint account, IRA, etc.). To learn more please visit FDIC.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Everyday benefits
All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.
You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.
65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.
Citi Mobile App and Mobile Check Deposit. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile app or the Mobile Check Deposit service. However, you must have a Web-enabled cell or smartphone to use the Citi Mobile app or Mobile Check Deposit service and charges from your wireless carrier may apply. Citibank is not responsible for products and services offered by other companies. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.
Zelle® Payments. Zelle® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle® should only be used to send money to those you know and trust. Neither Citibank nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Citi Priority benefits
Everyday benefits information above, plus:
As a Citi Priority client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.
Citi ATM Fee Waiver.You may be charged a surcharge fee by the external bank or other ATM operator.
Increased Limits. Increased limits for Zelle® payments, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.
Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Client Manual Agreement. Citibank’s exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service.
Citigold benefits
Citi Priority benefits information above, plus:
As a Citigold client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.
Citi does not provide tax or legal advice.
Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Client Manual Agreement for additional information.
ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.
Citigold Subscription Rebate Program
This is a Citi sponsored program for eligible Citigold customers.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:
Costco® | Purchase on Costco’s website, over phone or in Costco warehouses |
TSA PreCheck® | Purchase at enrollment centers after applying online |
Hulu®, Amazon Prime, Spotify Premium, Global Entry | Purchase on merchant websites |
Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.
“Costco” is a registered trademark of Costco Wholesale Corporation.
The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security
PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.
Hulu and the Hulu logo are registered trademarks of Hulu, LLC.
Citigold Private Client benefits
Citigold® benefits information above, plus:
As a Citigold Private Client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.
Citi does not provide tax or legal advice.
Increased Mobile Check Deposit Limits. The increased mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than six (6) months or to customers with a deposit account, retirement account, loan or line of credit (excluding a credit card or first mortgage) on which they are either an owner or signer in any of the following banking relationships: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive.
Wire Transfer Fee Waiver. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Client Manual Agreement for additional information.
Citigold Private Client Subscription Rebate Program.
This is a Citi sponsored program for eligible Citigold Private Client customers.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Select Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:
Costco® | Purchase on Costco’s website, over phone or in Costco warehouses |
TSA PreCheck® | Purchase at enrollment centers after applying online |
Hulu®, Amazon Prime, Spotify Premium, Global Entry, Blade® | Purchase on merchant websites |
The Wall Street Journal | Purchase on The Wall Street Journal website or over phone |
Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.
“Costco” is a registered trademark of Costco Wholesale Corporation.
The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.
The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.
PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.
Hulu and the Hulu logo are registered trademarks of Hulu, LLC.
Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.
† Annual Percentage Yield (APY) is accurate as of 04/23/2024. The Composite Annual Percentage Yield (APY) for the Step Up CD is accurate as of 04/23/2024 and is based on the 3 fixed initial interest rates shown for Months 1 through 10, Months 11 through 20, and Months 21 through 30. APYs are subject to change before a term begins for new and renewing CDs. The APY assumes interest remains on deposit in the CD account until maturity. Credited interest may be withdrawn without penalty. A withdrawal will reduce earnings. A penalty will be imposed for early withdrawal of principal. Fees could reduce account earnings. The No Penalty CD allows withdrawal of the full balance and interest without penalty after the first 6 days you make the minimum deposit into your new CD and your deposit has been fully collected. An early withdrawal penalty applies to withdrawals from a No Penalty CD during the first 6 days. Partial withdrawals, including interest withdrawals, from a No Penalty CD are not permitted. $500 minimum deposit required.
When the APY is based on account balance, the applicable balance range will be used to determine your APY and interest rate; account balance may not be a factor for all CD terms. Citi may assign the same APY to more than one balance range.
Balance ranges include:
$0 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $499,999.99
$500,000 – $999,999.99
$1,000,000+
No Penalty CDs automatically renew without the no penalty feature to a 12 month CD. Step Up CDs automatically renew without the step up feature to a 30 month CD. All CDs automatically renew at maturity for the same term at the rates in effect on the CD renewal date. There is a grace period of up to 7 calendar days after the maturity date. You can make a change during the grace period without penalty. The CD opening date (renewal date) and maturity date will reset if you make a change during the grace period, and you will not be able to make any changes until the next maturity date without penalty.
CD accounts do not have monthly service fees.
Account Monthly Service Fees* for checking and savings accounts and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.
In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:
Deposit Account | Monthly Service Fee |
---|---|
Access Checking | $5.00 |
Regular Checking | $15.00 |
Savings*** | $4.50 |
*Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.
**An EDD is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.
***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
Calculator results are intended for illustrative purposes only. The calculator results for a traditional CD or a CD ladder are intended for illustrative purposes only. Estimated interest earned is based on assuming a year has 365 days. Your actual Interest Earned may be different. These calculators are not intended to offer any tax, legal, or financial advice and do not guarantee your eligibility for any specific product(s). The CD Ladder Calculator assumes that as each CD in the ladder matures, it is automatically renewed for the term, interest rate, and Annual Percentage Yield (APY) associated with the longest-term CD in the laddered portfolio. Calculator assumes each CD has a fixed interest rate that does not change during the term of the CD and interest is not withdrawn before maturity. You earn the APY and interest rate in effect on the day your CD is opened or renewed. Rates are subject to change at any time without notice before CD account opening or renewal. Penalties apply for early withdrawal. A withdrawal will reduce earnings. Fees may reduce earnings.
For full terms and conditions please view the Client Manual Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.
Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.
Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.
Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses.
Certain other trademarks listed above are owned by third parties not affiliated with Citibank.
World Wallet® services are provided by Citibank, N.A. World Wallet is a registered service mark of Citigroup, Inc.
©2023 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.
Important Information
Important Information
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Pricing & Fee Waivers
Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.
An EDD is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.
Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
Accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion.
Relationship Tier & Re-Tiering Information
Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to Relationship customers”) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month.
All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Client Manual Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and International Personal Bank.
Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier’s minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier’s minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we’ll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.
Please review your Client Manual Agreement for a complete list of waived and reduced fees.
Not all benefits are available at account opening.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Everyday benefits
All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.
You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.
65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.
Debit Card Limits. Citibank reserves the right to change limits or to suspend or discontinue the availability of electronic transfer services at any time based on security or other factors.
Citi Mortgage Relationship Pricing.
Balances of $1 - $49,999.99: $500 off closing costs
Balances of $50,000 - $199,999.99: 1/8% off interest rate
Balances of $200,000 - $499,999.99: 1/4% off interest rate
Balances of $500,000 - $999,999.99: 3/8% off interest rate
Balances of $1,000,000 - $1,999,999.99: 1/2% off interest rate
Balances of $2,000,000+ or more: 5/8% off interest rate
A Citibank deposit account is required to receive the interest rate discount or closing cost credit.
Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount and closing cost credit will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval. Citi Mortgage Relationship Pricing benefits cannot be combined with other offers or incentives. 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. Eligible Balances will be verified after final loan approval. The balances used to determine the benefit will be what remains after any down payment and closing costs for the mortgage transaction.
Deposit Account Balances must be in the account five (5) Business Days following final loan approval and Investment Account balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal consumer Citibank Deposit Account, linked Citibank IRAs, and Investments held in linked Citigroup Global Markets Inc. (”CGMI”) accounts. The borrower must be an account holder on investment accounts. IRA and annuity positions shown on linked CGMI Account statements are eligible (except tax qualified annuities under sections 401, 403, or 457 of the Internal Revenue Code). Balances from Citibank Business / Commercial accounts, ERISA accounts, Keogh accounts, Bank Collateral accounts, Foreign accounts, Fiduciary accounts, and Trust accounts where the borrower is only listed as the Beneficiary are excluded. All Custodial type accounts are excluded with the exception of Custodial IRA accounts through Citibank or Pershing LLC where the borrower(s) is the beneficiary, which are eligible unless otherwise noted. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.
The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back.
If you are interested in Citi's banking account relationship offers, please contact your Mortgage Representative to discuss which 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.
Glossary of terms for this offer:
Business Day means Monday through Friday and does not include federal holidays.
Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs.
Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts.
Investment Account means IRAs and investments held in Citigroup Global Markets Inc. accounts.
Closing cost credit will be applied at closing. It may be applied to origination fees and standard customary third-party and government closing costs. In Texas, the credit may not result in your receiving cash back. Offers are not applicable on Home Equity Loans and Lines of Credit.
Investment products are offered through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citibank and CGMI are affiliated companies under the common control of Citigroup Inc.
Terms, conditions and fees for accounts, programs, products and services are subject to change. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Offer cannot be combined with any other mortgage offers. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.
Lending products offered by Citibank, N.A. NMLS ID 412915. Equal Housing Lender.
Discounts on Citi Personal Loans. Personal loans and lines subject to credit approval. Certain limitations may apply.
Commission-free Trading. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile® App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. Account service fees may also apply. There are other costs associated with ETF and mutual fund investing, such as management fees and expenses.
Citi Self Invest. Citi Self Invest is a digital self-directed investment platform of Citi Personal Wealth Management.
Citi Entertainment: You must use a Citi credit card which displays the Visa or Mastercard logo or a Citibank Debit Card which displays the Mastercard logo to take advantage of any ticket offer. Tickets are subject to availability and ticket orders may be subject to a service charge. Ticket limit per account and age requirements vary by event. By responding to an offer, you will be disclosing all the information requested to a company outside the Citigroup family of companies. Citi is not responsible for products or services offered by other companies.
Foreign Exchange Fee. Citi will apply a foreign exchange fee equal to 3% of the transaction amount (including credit and reversals) for each international debit card purchase or ATM withdrawal transaction (including those at Proprietary Citibank ATMs) made in a currency other than U.S. Dollars when the transaction is conducted outside the 50 United States and its territories. Fee is waived for Citigold, Citi Priority, Citi Private Bank, and International Personal Bank U.S. accounts.
World Wallet Foreign Currency Exchange Services. Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service.
Toll-free Access. Toll-free access to the U.S. Citi Service Center when traveling requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.
Citi Priority benefits
Everyday benefits information above, plus:
As a Citi Priority client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Financial Advisors are from Citi Personal Wealth Management and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.
Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.
Increased Limits. Increased limits for debit card purchases and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.
Citi Personal Wealth Management Investment Account Fee Waiver. The annual fee for Citi Personal Wealth Management Investment accounts is waived for the Citi Priority, Citigold and Citigold Private Client Relationship Tiers.
Citigold benefits
Citi Priority benefits information above, plus:
As a Citigold client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.
Citi does not provide tax or legal advice.
ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.
Citigold Concierge. Citigold Concierge is the name of the service provided by Aspire Lifestyles for Citigold clients on behalf of Citigroup Inc. Citigroup Inc. and Aspire Lifestyles are not affiliated companies.
Citigold Culture Pass. Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum, Museum of the City of New York, Los Angeles County Museum of Art (LACMA) and The New York Botanical Garden benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) plus one (1) guest during regular business hours.
Solomon R. Guggenheim Museum benefit is available at the New York City museum location only. Benefits are valid during 2023 and benefits are subject to change at any time.
Citi is not affiliated with the MoMA, Solomon R. Guggenheim Museum, The New York Botanical Garden, LACMA and the Museum of the City of New York.
Citi Bike Membership. Complimentary, one-year Citi Bike memberships are limited to two (2) per household. A Citi Bike annual membership includes unlimited 45-minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member.
For more information about the Citi Bike program and annual membership, visit http://www.citibikenyc.com/ The Citi Bike® Program in New York is operated by Lyft Bikes and Scooters, LLC. Lyft, Inc is the parent company of NYC Bike Share, LLC. Citigroup Inc. and Lyft, Inc. are not affiliated companies. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc. Citi Bike Membership.
Citigold Subscription Rebate Program.
This is a Citi sponsored program for eligible Citigold customers.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:
Costco® | Purchase on Costco’s website, over phone or in Costco warehouses |
TSA PreCheck® | Purchase at enrollment centers after applying online |
Hulu®, Amazon Prime, Spotify Premium, Global Entry | Purchase on merchant websites |
Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.
“Costco” is a registered trademark of Costco Wholesale Corporation.
The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.
PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.
Hulu and the Hulu logo are registered trademarks of Hulu, LLC
Citigold Private Client benefits
Citigold® benefits information above, plus:
As a Citigold Private Client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.
Citi does not provide tax or legal advice.
Citigold Private Client Subscription Rebate Program.
This is a Citi sponsored program for eligible Citigold Private Client customers.
TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.
Select Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:
Costco | Purchase on Costco’s website, over phone or in Costco warehouses |
TSA PreCheck® | Purchase at enrollment centers after applying online |
Hulu®, Amazon Prime, Spotify Premium, Global Entry, Blade® | Purchase on merchant websites |
The Wall Street Journal | Purchase on The Wall Street Journal website or over phone |
Eligible Customers must be Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.
“Costco” is a registered trademark of Costco Wholesale Corporation.
The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.
The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.
PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.
Hulu and the Hulu logo are registered trademarks of Hulu, LLC.
Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.
Mastercard Travel & Lifestyle Services. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management USA, Inc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Service. Certain terms, conditions and exclusions apply. Full details are available at https://travel.mastercard.com.
Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
†Annual Percentage Yield (APY) is accurate as of 04/23/2024 in the location entered upon accessing citi.com. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings. There is no minimum deposit required to obtain the APY, however, accounts with a zero balance for 90 days are subject to closure. For APYs on other savings accounts, log onto citi.com or speak to a banker.
Citi Accelerate Savings accounts are available in select markets. Applicant(s) with a residential/home (not mailing) address in one of the following locations are eligible to apply to open a Citi Accelerate Savings account: AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
For full terms and conditions please view the Client Manual Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.
Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.
Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.
Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses.
Certain other trademarks listed above are owned by third parties not affiliated with Citibank.
World Wallet® services are provided by Citibank, N.A. World Wallet is a registered service mark of Citigroup, Inc.
©2023 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.
Important Information
Important Information