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Call Wait Times

You may experience long hold times if you call. Use our automated response system instead or text App to 692-484 and we'll send you a link to Message Us in the Citi Mobile App—it's a faster way to manage your account.

Our Branches

Some branches are temporarily closed. For those that remain open, hours in local time are Monday– to Friday, 10am to 4pm, and in some cases, Saturday, 10am to 1pm. Visit to check availability.

Additional Updates

Small Businesses get more information about the Paycheck Protection Program.

Our Commitment to You

A message to our customers from Jane Fraser, President of Citi and CEO of our Global Consumer Bank.

How to Request Assistance


COVID-19 Assistance

If you've been impacted by COVID-19, you may be eligible, upon request, for the following assistance measures. Please note we may add to or extend these measures in the future.

Credit Cards
Please log in to access the COVID-19 support form to find out what assistance may be available to you.

Retail Bank
Waivers on safe deposit box fees, non-Citi ATM usage fees, monthly service fees, as well as penalty waivers for early Certificate of Deposit withdrawals. Through June 30, 2020, request help by texting App to 692-484 and we'll send you a link to Message Us in the Citi Mobile App.

Small Business
Waivers on monthly service fees and remote deposit capture fees, as well as penalty waivers for early Certificate of Deposit withdrawals. Through June 30, 2020, request help by calling the number on the back of your debit card or recent bank statement.

Personal Loans
Deferral of the monthly payment and waiver of late fees for 2 statement cycles.* For help, call 1-800-685-0935 (TTY: 1-800-945-0258). Monday–Thursday, 8:30am to 10pm ET and Friday, 8:30am to 9pm ET.

Custom Credit Line and Ready Credit
Deferral of the monthly payment and waiver of late fees for 2 statement cycles.* For help, call 1-800-685-0935 (TTY: 1-800-945-0258). Monday–Thursday, 8:30am to 10pm ET and Friday, 8:30am to 9pm ET.

Checking Plus Line of Credit
Deferral of the monthly payment and waiver of late fees for 2 statement cycles.* For help, call 1-800-685-0935 (TTY: 1-800-945-0258). Monday–Thursday, 8:30am to 10pm ET and Friday, 8:30am to pm ET.

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


Additional Assistance Programs

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

Credit Cards
Collection forbearance program. Text App to 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:

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.

Image of two people wearing facemasks and preparing boxed meals

Go Digital and Help Support COVID-19 Relief

We'll donate $5, up to $1 million, to World Central Kitchen, for each primary account holder who registers for digital account access with Citi Online or the Citi Mobile App for the first time, then logs in at least two times in May. With communities being encouraged to stay home, there's never been a better time to go digital—it's a faster way to manage your account and you'll avoid long call wait times.

World Central Kitchen is a nonprofit global organization that uses the power of food to heal communities in times of crisis and beyond. Serving more than 200,000 meals daily, World Central Kitchen provides relief to families and first responders. They're activating restaurants to help meet increasing need, uplifting an industry that needs help keeping its doors open.

Go Digital

Digital Tools for Faster Service

Quick Shortcuts

Here are a few things that may help you manage your account and avoid long hold times on the phone.

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®.

Best Ways to Contact Us


You may experience long hold times if you call. As an alternative, Message Us in the Citi Mobile® App or use Citi Online for a faster way to manage your account.

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, 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

Open Branch Hours
To help keep everyone safe while still providing all your banking needs, we've temporarily adjusted branch hours and closed some locations. Visit to find the nearest one. Open branches in local time are:

Monday– to Friday, 10am to 4pm
In some cases, Saturday, 10am to 1pm.

Changes in Branch Practices

  • Use of stronger disinfectant products on high-touch surfaces
  • Hand sanitizer readily available
  • Social distancing in effect
  • Branch teams are educated on CDC best practices

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.

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 (TDD/TTY: 1-800-788-6775) 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.

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
1 Court Square, 19th Floor
Long Island City, NY 11120

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 (TTY 1-800-945-0258)—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.

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


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 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.

footnote 1  . Standard data and message rates may apply.

footnote 2  . For Citi primary account holders not currently enrolled in Citi Online who register in May 2020 for digital account access (on Citi Online or the Citi Mobile App) and log in twice during the month of May 2020, Citi will donate $5 to World Central Kitchen, up to $1 Million. World Central Kitchen is a 501 (C) 3 nonprofit organization. Only one $5 donation per eligible account. Donations end when $1 million is reached or on May 31st, 2020, whichever is earlier.

Photo credit World Central Kitchen /

footnote 3  . 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.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

© 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.