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Tips for Managing Finances

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

Our Branches

Branches are returning to regular hours. Visit to check the latest information on your local branch.

Additional Updates

Learn more about Citi's response to COVID-19.

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
Waiver on safe deposit box fees, non-Citi ATM usage fees, monthly service fees, as well as penalty waiver for early Certificate of Deposit withdrawals. For assistance, please contact us.

Small Business
Waiver on monthly service fees and remote deposit capture fees, as well as penalty waivers for early Certificate of Deposit withdrawals. 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. 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:

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.

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.

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


It's easy to reach an agent when you Message 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 (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

Branches Are Returning to Regular Hours

Also, some branch locations that were temporarily closed are now reopening. You can find the latest information on your local branches at For your convenience, you can also book an appointment 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.

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

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 (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.

Retirement Plans and IRAs

The CARES Act permits greater access to your retirement funds with special distribution options and rollover rules for adopting retirement plans and IRAs. It also expands permissible loans from adopting eligible retirement plans. Additionally, for tax year 2020 there will be no Required Minimum Distributions (RMD), regardless of age. If you already scheduled a RMD and decide not to take it, please contact us at the phone number on your most recent statement. Banking IRA customers may call 1-800-695-5911, Monday–Friday, 8am–10pm ET and Saturday 9am–5:30pm ET. If you have already taken a 2020 RMD distribution that would have been required but for the waiver provided by the CARES Act, you may recontribute that amount in a nontaxable rollover. Recent IRS guidance provides that the 60-day period normally applicable to such rollovers will expire no earlier than August 31, 2020.

If you are a qualified individual, you may be entitled to additional relief including, but not limited to a distribution up to $100,000 without incurring the 10% early distribution penalty that generally applies to distributions before attaining age 59 and a half. Such coronavirus–related distributions may be re–contributed within three years of the date of distribution, in what would effectively amount to a tax–free rollover.

Please review the IRS questions and answers for more details, or discuss this with your tax advisor, to determine whether you would benefit from these features.

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

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 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  . 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.

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