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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

    Features and Benefits of Citibank Accounts:

    • Citi ThankYou® Rewards

      ThankYou Points

      Citi® ThankYou® Rewards is a rewards program that allows you to get points each month just for banking with us.

      Each month you can get points for your checking account relationship based on:

      • the type of checking account package you have and whether it's active (i.e., if at least one credit or debit transaction has been made from the enrolled account);
      • the number of qualifying linked products and services that you have and use.
      Learn More about ThankYou Points
      Footnote 1
    • Award-Winning Online Banking

      Award-Winning Online Banking

      Not to toot our own horn, but Citibank.com has won numerous awards for providing exceptional online banking services. And we want to keep it that way. That's why we're committed to offering an incredibly user-friendly site that you'll love. After all, our customers are the main critics we really want to wow.

      Learn More about our Banking Services
    • Free Online Bill Payment

      Free Online Bill Payment

      Go checkless. Our free online bill payment service lets you pay virtually anyone in the US., and you're always covered by the Citibank Bill Payment Promise. Plus, you can:

      • Schedule one-time or recurring payments.
      • Track all payments—current, future, past and cancelled.
      • Pay several bills at once using Express Payments.
      • Receive electronic payment alerts.
      Learn More about Free Online Bill Payment
    • Paperless Bank Statements

      Paperless Bank Statements

      Save a tree. Sign up for free paperless statements today. You'll get an email each month when your statement is ready to view. You can even:

      • View your statement online
      • Print it out anytime
      • Order statements going back 7 years—free
      • Avoid lost or stolen statements
      Learn More about Paperless Bank Statements
    • Online Check Images

      Online Check Images

      Access your cleared checks online in a flash—free.

      • Checks are available online the next business day after they're posted to your account
      • View both front and back images of checks
      • Printouts of check images are an accepted proof of payment
      Learn More about Online Check Images
    • Online Transfer Services

      Online Transfer Services

      Get your money where it needs to be with our various online services that let you transfer funds almost anywhere:

      • Make real-time transfers between your linked Citibank accounts
      • Transfer funds between your Citi accounts and your accounts at other banks in the US. with Inter Institution Transfers
      • Citibank Global® Transfers allow funds to instantly transfer to Citibank accounts in dozens of countries
      • Online Wire Transfers transfer funds to non-Citi accounts in the US. and abroad
      Learn More about Online Transfer Services
    • Account Alerts

      Account Alerts

      Now you can know your money's every move, even when you're on the move. Our Citi Alerting Service delivers free alerts about your Citibank accounts and linked Citi credit card accounts straight to your mobile phone or email. Alerts can notify you about:

      • Balances — Check your current bank or credit card balance or learn when your balance reaches a certain amount
      • Bill Payments — Find out about cleared payments and insufficient funds ASAP
      • Credit Cards — Know when payment is almost due or past due
      • Cleared Checks — See which checks have cleared
      • CDs — Know precisely when it's about to mature
      • Deposits — Learn when new deposits are made
      Learn More about Account Alerts
    • Worldwide ATM Network

      Worldwide ATM Network

      Have Citibank® Banking Card, will travel:

      • Get cash at more than 29,000 Citibank ATMs in the US.— including Citibank-branded ATMs in 6,200 7-Eleven® stores*
      • Abroad? Get cash at Citibank ATMs in over 40 countries
      • Make purchases wherever you see the CIRRUS®, MAESTRO® and Mastercard® logos

      * Get cash, get information and transfer balances between eligible linked Citibank accounts at Citibank branches and Citibank-branded ATMs at participating 7-ELEVEN. Not all ATMs are owned or operated by Citibank. Not all functions, including deposits of cash, available at all ATMs.

      7-ELEVEN® is a registered trademark of 7-Eleven, Inc.

      Learn More about Worldwide ATM Network
    • 24/7 Customer Support

      24/7 Customer Support

      We're a call away, 24/7, to give you the help you need. Or visit us at any Citibank branch for person-to-person problem solving.

      Learn More about our 24/7 Customer Support
    • Citi® Identity Theft Solutions

      Citi® Identity Theft Solutions

      Even the mere thought of ID theft is scary. And if you're ever a victim, we have a team of specialists dedicated to helping you re-establish your credit and reclaim your identity.

      Learn More about Citi® Identity Theft Solutions
    • Online & Mobile Fraud Protection

      Online & Mobile Fraud Protection

      This free coverage helps protect you against unauthorized electronic funds transfers (EFT) from your Citibank deposit accounts. No need to apply or wait for coverage—online and mobile fraud protection automatically kicks in when you open a deposit account.

      Learn More about Online & Mobile Fraud Protection

    How It Works

    Step 1: Open your new Citibank account.

    Step 2: Get organized.

    • Use the handy Organizer Form to identify all of your bill payments, transfers and deductions to/from your current account. This way, you can easily create an inventory of the transactions you'll need to switch to Citibank.
    • The convenient Balancing Your Account Form determines your current balance and how much you'll need to keep in your old account to cover outstanding expenses.

    Step 3: Set up your direct deposits.

    • The Direct Deposit Form is all you need to inform your employer that you want your paycheck deposited into your new Citibank account.
    • Receiving Social Security benefits? Quickly set up direct deposit of your checks into your new Citibank account by visiting www.ssa.gov. To download the official government form for direct deposit for all other government benefits, go to www.treasury.gov.
    • Use the Automatic Deposit Letter if you receive additional income (such as investment dividends or alimony) and want the funds deposited into your new Citibank account.

    Step 4: Set up bill payments.

    • Once you've opened your new account, simply sign on to www.citibankonline.com and add your payees (the people and businesses you want to pay).
    • The Automatic Deductions Form notifies third parties authorized to deduct payments from your checking account (like your cable or cell phone provider) that you're switching banks.

    Step 5: Close your old account.

    • Lastly, our Account Closing Form will let your old bank know you're closing your account. Just be certain all outstanding transactions made against your old account have cleared first.

    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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