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Tips for Managing Finances

Check out some resources to help you manage your bills, use credit wisely and manage debt. Learn more

Our Branches

Branches have returned to regular hours. Visit to check the latest information on your local branch.

Stimulus Payment Updates

Learn more about the eligibility and distribution of the new round of stimulus payments. If you are a small business, get information about the Paycheck Protection Program here.

Available Assistance

Already requested assistance? You also may be eligible for additional assistance programs upon request:

Retail Banking
For your convenience, you can book an appointment in person, by video or phone with one of our bankers so you can discuss your banking needs without waiting.

Credit Cards
Collection forbearance program. For assistance, please contact us.

Citi's mortgage sub–servicer Cenlar FSB is offering 90-day forbearance for Citi's mortgage loans where the borrower is experiencing hardship, during which there will be no negative reporting to the credit bureaus for up–to–date customers. In addition, foreclosures and evictions have been paused. For questions:

Personal Loans, Custom Credit Line and Ready Credit, and Checking Plus Line of Credit
Citi may have solutions to help you lower your APR,  waive account fees, and/or lower payment amounts. For help, call 1-800-685-0935 (For TTY: Use 711 or other Relay Services). Monday–Thursday, 8:30am to 10pm ET and Friday, 8:30am to 9pm ET.

Student Loans
Through our servicer Firstmark, Citi provides assistance for those in financial hardship who qualify for the program. For details please call 1-888-295-0914.

Understanding the New Stimulus

You may be entitled to a new round of Stimulus Payment as part of the recent American Rescue Plan Act of 2021. According to the Treasury Department, payments have begun being issued via Direct Deposit, check, and debit card.

Where Can I go for additional information?
To learn more, including who's eligible, how payments will be received, payment amounts, and other information, you should visit the IRS directly. If eligible, you may check the status of your payment at For more information about Economic Impact Payments, please visit

What If I'm Receiving a Direct Deposit Into my Citi Account?
If the IRS has your Citibank account information from your last tax filing (2019 or 2020) and/or the account number used in the previous stimulus payment program, then you should receive your payment by direct deposit. Log in to Citi Online or download the Citi Mobile® App to check whether you've received your stimulus payment. The payment will appear in your recent transactions. You can also set up Account Alerts to be notified when your stimulus payment is deposited.

What If I'm Getting A Paper Check?
If you receive a paper check, you need to sign the back of the check. Then you can:

Rest assured, we're continuing to take precautions to ensure the safety and the well-being of both you and our employees at our branches. The safety measures we're taking include – frequently disinfecting ATMs and other high–touch surfaces, requiring facial coverings, making hand sanitizer readily available, practicing social distancing, and strictly adhering to the guidelines from the Centers for Disease Control (CDC).

If you aren't a Citi Customer, you may be able to open an account online today and deposit your mailed check in your new account. Learn more about our checking and savings accounts.

What if I'm Getting a Debit Card?
Some payments will be mailed as an Economic Impact Payment card. If you qualify for this payment type, the card will be sent in a white envelope that prominently displays the U.S. Department of the Treasury seal. It has the Visa name on the front of the Card and the issuing bank, MetaBank®, N.A. on the back of the card. Information included with the card will explain that this is your Economic Impact Payment. More information about these cards is available at

Digital Tools to Stay on Track

Quick Shortcuts

Here are a few things that may be helpful to manage your account.

Set Up Online Access

If you aren't already using our website and app, we encourage you to register now so you can get account information virtually anywhere 24/7.

Best Ways to Contact Us


It's easy to reach an agent when you contact us in the Citi Mobile® App or chat with us in Citi Online.

We also have information and teams to help with your business banking, home buying and refinancing needs.

Retail Business Banking Customers
Reach out to your Retail Business Banker or the CitiBusiness Service Center at 1-877-528-0990 (For TTY: Use 711 or other Relay Services). Hours of operation are: Monday– to Friday, 7am to 11pm ET, and Saturday and Sunday, 9am to 5:30pm ET.

Mortgage Customers
For new mortgage applications or if you have a mortgage application in process, please contact your Home Loan Officer or Mortgage Representative directly or by calling us at 1-800-MORTGAGE (1-800-667-8424). For questions regarding an existing mortgage, you can call our service provider, Cenlar FSB, at 1-855-839-6253.

Branch & ATM Availability

Branches Are Returning to Regular Hours

Branch locations that were temporarily closed are now reopened. You can find the latest information on your local branches at For your convenience, you can also book an appointment in person, by video or phone with one of our bankers so you can discuss your banking needs without waiting.

Changes in Branch Practices

  • Enhanced cleaning procedures, , frequently disinfecting ATMs and high touch surfaces
  • Facial coverings
  • Hand sanitizer readily available
  • Social distancing in effect
  • Branch teams educated on CDC best practices
  • Installed plexiglass dividers for additional protection

Fee-free cash access
For your convenience, you have fee-free access to cash with your Citibank debit card at over 65,000 ATM locations nationwide, including ATMs at Target, Costco, Walgreens, CVS and Duane Reade. Keep in mind, ATMs at Citibank branches are available 24/7.2

Please note Citigold lounges may be temporarily closed to protect the health and safety of our clients and employees.

We Are Here to Help

Our Response to COVID-19

We're addressing the current situation by helping clients and providing funds to organizations that are helping frontline healthcare workers, No Kid Hungry and more.

Learn More
A photo of Manhattan at sunset

Manage Your Investment Needs with Citi Personal Wealth Management

Our experienced teams can help provide guidance for your investment needs during this volatile time. To better understand the impact of COVID-19 on markets, catch up on the latest market information with recent market insights, replays of live webcasts, market reactions and monthly market snapshots. Staying up to date on domestic and global perspectives today will help you feel more confident in your future investing.

U.S. Wealth Management Customers

Reach out to your Citi Personal Wealth Management Financial Advisor for your investment needs, such as execution of trades, investment account inquiries and access to investment funds or securities. You can also call our Investment Client Services Telephone Number: 1-800-846-5200 (For TTY: Use 711 or other Relay Services) Monday– to Friday, 8am to 9pm ET and Saturday, 9am to 7pm ET. For any banking needs, please contact your Citigold Relationship Manager or call the number on the back of your card, for speech/hearing impaired, use 711 or other Relay Service.

Due to postal delays, please don't send any hard copy mail addressed to your advisor or your branch for the time being, including any correspondence, forms, checks or securities. Please contact your advisor to discuss alternative ways, including electronic methods, for sending any such correspondence or materials to us. If you must send mail during this time, please use the address below and allow additional time for processing. Be sure to list your account number clearly on any documents or checks.

Citi Personal Wealth Management
Middle Office Operations
2 Court Square, 12th Floor
Long Island City, NY 11120

Important Information for You to Know About Our Business and Relationship With You

If you are a Citi Personal Wealth Management (CPWM) client of Citigroup Global Markets Inc. (CGMI), or are interested in becoming one, we are required to deliver two important disclosure documents about CGMI's business and relationship with you: Form Client Relationship Summary (Form CRS) and Regulation Best Interest (Reg BI) Disclosure Statement.

To learn more, visit

Investments Customers with an Address Outside the United States

Due to COVID-19, the U.S. Postal Service announced service disruptions for international mail. If you have an international mailing address, you may experience delays receiving physical mail from us, such as brokerage statements, trade confirmations, prospectuses and other important account notices.

To ensure you receive important communications from Citi Personal Wealth Management (CPWM) in a timely manner, you can get your communications sent digitally. Just log in to your CPWM account and click Go paperless in the upper right corner to get more information and sign up. For more information, please contact your Financial Advisor directly or call 1-210-677-3782 (For TTY: Use 711 or other Relay Services)—you may experience long wait times.

Insurance or Annuities Issued in the State of New York

If you own life insurance or annuities issued in the State of New York, these recent developments may affect your rights as a policy owner. A recent Executive Order issued by New York Governor Cuomo, together with recent amendments to the insurance and banking regulations issued by the New York State Department of Financial Services (NYDFS), extends grace periods and gives you other rights under your life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the COVID-19 pandemic.

These temporary grace periods and rights are currently in effect, and could be extended further. Check the NYDFS website for updates.

Retirement Plans and IRAs

The CARES Act, enacted on March 27, 2020, included temporary provisions allowing special distribution options for retirement plans and IRAs, and expanded permissible loans from certain retirement plans. Qualifying individuals were able to designate up to $100,000 in 2020 distributions as "coronavirus related distributions", which were exempt from the 10% additional tax normally applicable to early distributions taken prior to attaining age 59 ½. The Act also allows distributions designated as coronavirus related distributions to be recontributed within three years of the date of distribution, in what is effectively equivalent to a tax-free rollover. Additionally, the Act provided a waiver of the Required Minimum Distribution (RMD) requirements for tax year 2020.

The Act did not allow coronavirus related distributions to be taken after December 30, 2020, so taking such distributions is no longer possible. If you took a 2020 distribution that you will designate as a coronavirus related distribution, you will need to file IRS Form 8915-E, Qualified 2020 Disaster Retirement Plan Distributions and Repayments with your 2020 federal income tax return. Additional information with respect to the availability, treatment and repayment of coronavirus related distributions may be found on the IRS web site at The RMD waiver provided by the CARES Act applied only to tax year 2020. The normal rules with respect to required minimum distributions are back in effect for tax year 2021.

UPDATE:The Internal Revenue Service has announced that the due date for filing 2020 individual Federal income tax returns (Forms 1040) has been postponed to May 17, 2021. As a result, taxpayers will also have until May 17, 2021 to make 2020 contributions to their traditional IRAs, Roth IRAs, and Coverdell ESAs

Banking IRA customers may call 1-800-695-5911, Monday ‐ Friday, 8am ‐ 10pm ET and Saturday 9am ‐ 5:30pm ET.

Protecting Your Account

Fraudsters try to take advantage of uncertain times like these. Security tools like Citi's Fraud Early Warning can help protect your account, but it's important to be extra vigilant about:

  • Emails, texts or phone calls about suspicious products, charities, medical advice and treatments
  • Fraudulent links that make it easy to access your device or personal information

Easy Ways to Help Detect and Reduce Fraud

  • Stay up to date on account activity by setting up email, text or push notification account alerts
  • Review account transactions, check for suspicious activity and lock your card if needed on the Citi Mobile app
  • Go Paperless to reduce the risk of identity theft through lost or stolen mail
  • Check your credit report regularly. For a copy of the report, or to open a fraud alert, contact one of the major credit reporting agencies:

If you think you've been a victim of fraud, please contact us immediately. Learn more about how you can protect yourself against COVID-19 scams at

The tax law is complicated and subject to change in the future.  Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it reflects current tax laws which are subject to change and is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Tips for Managing Finances

Get Help Managing Bills

For important financial tips on how to manage your bills, visit the Federal Trade Commission's (FTC) Consumer Information site.

Get Help with Your Credit & Debt

You'll also find lots of helpful advice on using credit wisely at the Citi Credit Knowledge Center, including rebuilding credit and consolidating debt.

Get Help Managing Debt

If you're concerned about managing your debt, go to the FTC site for information on how to choose a reputable credit counseling agency and for other educational materials.


Terms & Conditions:

Citibank, N.A. (Member of FDIC) customers can get cash, get information, and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank ATM or Debit 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. 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 fee free access.

Citi Personal Wealth Management, a business of Citigroup Inc., offers Investment products through Citigroup Global Markets Inc. (CGMI), member FINRA/SIPC, an investment advisor and broker-dealer registered with the Securities and Exchange Commission.

Banking products and services are provided by Citibank, N.A., Member FDIC.

Citigroup Life Agency LLC ("CLA") offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (License Number 0G56746).

CGMI, CLA and Citibank N.A. are affiliated companies under common control of Citigroup Inc.

footnote 1  . Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App or the Mobile Check Deposit service. You must have Internet access through your mobile device and charges from your wireless carrier may apply. The Mobile Check Deposit service is subject to eligibility. Deposit limits and other restrictions apply.

footnote 2  . 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 ATM or Debit 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. 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 fee free access. MoneyPass is a registered trademark of U.S. Bank National Association.

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