Skip to main content

Banking with Citi

Explore a variety of FDIC-Insured options to protect and grow your funds.

Banking Made Easy

When you bank with Citi, you can:

  • Open a checking or interest checking account with no minimum opening deposit1
  • Obtain unlimited deposits, withdrawals, and check-writing privileges

1 For full terms and conditions view the Client Manual Consumer Accounts, and the respective Marketplace Addendum for International Personal Bank U.S: For Citigold® Private Client International Account Package, Citigold® International Account Package, Citi International Personal Account Package, click here. For Citi Global Executive Preferred Account Package and Citi Global Executive Account Package, click here

2 Citibank does not charge you a fee for using the Citi Mobile® Check Deposit service. However, charges from your wireless carrier may apply. Regular account charges apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.

Banking products and services are offered through Citibank, N.A., Member FDIC.

With Your Citibank® Debit Card, you can:

  • Use your Citibank® Debit Card instead of cash and checks-it's accepted at millions of merchants worldwide1
  • Receive waivers on foreign exchange fees for cash withdrawals and debit purchases2
  • Enjoy enhanced protection of your account information from unauthorized access by fraudsters when used at chip-enabled terminals and ATMs
  • Add your Citi Debit Card to mobile wallets
  • Get cash worldwide at ATMs displaying the Cirrus®, Maestro® or MasterCard® logos1
    • Use thousands of fee-free ATMs throughout the U.S.3

1 Withdrawal limits may apply.

2 Fee waivers are subject to change. Applicable for any ATM displaying the Cirrus®, Maestro® or MasterCard® logos.

3 Get cash, make deposits, get information, and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank ATM or Debit Card at ATMs in Citibank branches and Citibank-branded ATMs at other locations. Not all ATMs are owned or operated by Citibank and not all functions are available at all ATMs.

MasterCard® is a registered trademark of MasterCard International Incorporated. Maestro® is a registered trademark of MasterCard International Incorporated and affiliates. Cirrus® is a registered trademark of Cirrus System, LLC, formerly known as Cirrus System, Inc.Terms, conditions and fees for accounts, products, programs, and services are subject to change.

Banking products and services are offered through Citibank, N.A., Member FDIC.

When you save with Citi, you can

  • Easily move money between your Citi and non-Citi accounts1
  • Use Auto Save to set up recurring automatic transfers from your linked checking account2
  • Set up balance and deposit alerts3
  • Earn higher Annual Percentage Yield (APY) as your balance grows depending on your account package4
  • Sign up for Safety Check to use your Citi Savings account to cover overdrafts1
  • Designate a beneficiary on your account(s)

Key Features of Our Savings Accounts

Citibank Savings Plus Account
Savings Made Simple

Citi® Accelerate Savings Account
Advance Your Savings

Earn higher rates as your balance grows4

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Interest is compounded daily

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Interest is credited monthly5

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Interest is paid according to the balance ranges maintained in the account5

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Make deposit and withdrawals2

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Write checks

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

The balance will contribute to the combined average monthly balance required to avoid the Monthly Service Fee in your Account Package

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Deposits are FDIC insured up to applicable limits

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Allows designation of a beneficiary (In Trust for Account)

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Has feature
Minimum opening balance required, refer to your Account Package Terms and Conditions

Citibank Savings Plus Account
Savings Made Simple

Has feature

Citi® Accelerate Savings Account
Advance Your Savings

Have another Citi banking product?

Link it to a savings account for an easier way to meet your Citi banking account package combined average monthly balance requirements and avoid monthly fees. By considering all your Citi accounts, you may earn better rates, avoid fees and enjoy a wide range of services.

Note: The Citibank Savings Plus and Citi® Accelerate Savings are both variable rate accounts.

Discover what works best for you. View our weekly rates by account package.

Rates By Account Package

For full terms and conditions and further information, please view the Client Manual Consumer Accounts and the Marketplace Addendum International Personal U.S.: For Citigold® Private Client International Account Package, Citigold® International Account Package, Citi International Personal Account Package, click here. For Citi Global Executive Preferred Account Package and Citi Global Executive Account Package, click here

1There are limits on the number of certain transfers you can make from savings and money market accounts during any statement period. Must be registered on Citibank® Online to transfer online. To register, please refer to the step-by-step guide "How to Register for Online Banking Access and Paperless Delivery" for more details.

2Limits apply to the number of certain types of transactions. Refer to the terms and conditions in the Citibank Client Manual - Consumer Accounts.

3Citibank does not charge you a fee for using the Citi Alerting Service. However, your wireless carrier may charge you for receiving the text messages you receive from us related to this service.

4The same rate may be assigned to more than one balance range. We may offer different rates for the Citibank® Savings Plus Account or Citi® Accelerate Savings Account depending on your account package and if that account package contains a linked checking account.

5Interest paid according to the balance ranges maintained in the account. The same rate may be assigned to more than one balance range. We may offer different rates for the Citibank Savings Plus Account and Citi® Accelerate Savings Account depending on your account package. The balance in other linked accounts in the account package will not be used to determine the interest tier in the Citibank Savings Plus Account or the Citi® Accelerate Savings Account.

Banking products and services are offered through Citibank, N.A., Member FDIC.

With Citi Certificates of Deposit, you can:

  • Earn guaranteed interest rates for the term of your CDs2
  • Select from a variety of CD terms, maturity dates and laddering options
  • Earn Competitive rates for both short and long term goals1
  • View your account(s) online through Citibank® Online
  • Designate a beneficiary on your account(s)

NEW

Step-Up CD

  • Interest rate automatically increases every 10 months
  • Security of FDIC insurance

NEW

No Penalty CD

  • Guaranteed interest rate for the term of your CD
  • Withdraw full balance and interest without penalty after first 6 days you deposit funds3
  • Security of FDIC insurance

1 Deposits are FDIC insured up to applicable limits. For more information, visit www.fdic.gov

2 A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term. Minimum opening deposit requirements may apply.

3 Your qualifying deposit must have been fully collected. Partial withdrawals are not permitted.

Banking products and services are offered through Citibank, N.A., Member FDIC.

Have questions? Contact us