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Call Wait Times

We're experiencing high telephone call volumes so wait times can be longer than usual. Instead of waiting on hold, you can Message Us in the Citi Mobile App, use our digital tools or our automated response system.

Our Branches

Some of our branches may be temporarily closed. For others, please note that our open branch hours in local time will temporarily be Monday – to Friday, 10am to 4pm, and for some branches, Saturday, 10am to 1pm. To check availability of any branch, visit

Small Business

Get more information about the Paycheck Protection Program.

Assistance for Those Impacted


COVID-19 Assistance

If you've been impacted by COVID-19, you may be eligible, upon request, for the following assistance measures:

Credit Cards
Waiver of the minimum payment due requirement and late fees for 2 statement cycles.* For help, log in to request COVID-19 assistance digitally.

* We will report your account as current to the credit bureaus during the waiver period, unless your account was delinquent before the waiver period began.

Retail Bank
Fee waivers on safe deposit box fees and non-Citi ATM usage fees, effective April 3, 2020. We are also extending fee waivers on monthly service fees as well as penalty waivers for early Certificate of Deposit withdrawals for an additional thirty days, to May 8, 2020. For help, please call the number on back of your debit card or recent bank statement.

Small Business
We are extending fee waivers on monthly service fees and remote deposit capture fees, as well as penalty waivers for early Certificate of Deposit withdrawals for an additional thirty days, to May 8, 2020. For help, please call the number on the back of your debit card or recent bank statement.


Additional Assistance Programs

You may also be eligible for these additional assistance programs upon request, including:

Credit Cards
Collection forbearance program. Text App to 692-484 and we'll send you a link to Message Us in the Citi Mobile App.

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, please contact them directly at 1-855-839-6253, Monday – to Friday 8:30am to 8pm ET and Saturday, 12pm to 4pm ET. You can also visit Cenlar's website.

Student Loans
Through our subservicer Firstmark, Citi is providing forbearance programs for student loans to provide additional peace of mind during this time. For questions, contact Firstmark directly at 1-888-538-7378.

We will continue to monitor the situation to determine extension or expansion of available assistance.

For Fast and Easy Account Management

Go Digital

Since we're experiencing high telephone call volume, we highly recommend you manage your account digitally.

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.

Open the App

You have the flexibility to check your balance, view transactions and make payments—not just for your credit card, but for utilities and other bills. For Retail Bank Customers, you can also send or receive money from friends and family using a variety of options, including Zelle®.

Helpful Information


Best Ways to Contact Us

We are experiencing high telephone call volumes – we appreciate your patience. We recommend using the Citi Mobile® App and Citi Online for the fastest way to manage your account as wait times may be longer than usual. Many inquiries can be resolved through our automated response system.

Another option is to text App to 692-484 and we'll send you a link to Message Us in the Citi Mobile App.

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 (TDD/TTY 1-800-788-0002). Hours of operation are: Monday – to Friday, 7:00am to 11:00pm ET, and Saturday and Sunday, 9:00am 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

To help reduce the spread of COVID-19 while balancing the need to serve you, we have temporarily adjusted branch hours and closed some locations. During this time, please note that our open branch hours in local time will be Monday – to Friday, 10am to 4pm, and for some branches, Saturday, 10am to 1pm.

In the event that a branch is closed, you can visit to find the nearest available open branch and ATM locations. 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.

We are augmenting daily cleaning procedures with the use of stronger disinfectant products on high-touch surfaces, making hand sanitizer readily available, practicing social distancing, and educating branch teams on best practices recommended by the CDC. Citigold lounges may be temporarily closed to protect the health and safety of our clients and employees.

We Are Here to Help

Citi's 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

Amidst market volatility, Citi has experienced teams to provide guidance for your investment needs.

Market Insights
To better understand the impact of COVID-19 on markets, catch up on the latest market information with recent market insights, ranging from replays of live webcasts, to market reactions, to monthly market snapshots. Staying up to date on domestic and global perspectives today will help you feel more confident in your future investing.

US 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 (TDD/TTY: 1-800-788-6775) Monday– to Friday, 8:00am to 9:00pm ET and Saturday, 9:00am to 7:00pm ET. If you have a Financial Advisor or Relationship Manager, please contact them or call the number on the back of your card for your banking needs.

Sending Mail to Your Wealth Advisor
Please note that we are currently experiencing delays in receiving and processing postal mail. We ask that you please refrain from sending 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. DO NOT address correspondence to your advisor or to your local branch. Be sure to list your account number clearly on any documents or checks, and send them directly to the following address:

Citi Personal Wealth Management
Middle Office Operations
1 Court Square, 19th Floor
Long Island City, NY 11120

Protecting Your Account

Now is an important time to be aware of an increase in scams and fraudulent activity.

Unfortunately, in uncertain times like these, fraudsters try to take advantage of the situation. Citi's Fraud Early Warning helps protect your account, but it's important to be extra vigilant if you receive emails, texts or phone calls about suspicious products, charities, medical advice and treatments, etc. We suggest you diligently evaluate these types of communications before responding and be especially careful of fraudulent links that make it easy to access your device or personal information. 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


Terms & Conditions:

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.

Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products 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. ©2020 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.

footnote 1  . Must have a bank account in the U.S. to use Zelle.

Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

footnote 2  . Standard data and message rates may apply.