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
- Enjoy convenient online access
- Deposit checks from your mobile device2
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
- Transfer money after signing on to citi.com1
- Use Auto Save to set up recurring automatic transfers from your linked checking account
- Set up balance and deposit alerts2
- Earn higher Annual Percentage Yield (APY) as your balance grows depending on your account package3
- Sign up for Safety Check to use your Citi Savings account to cover overdrafts1
- Designate a beneficiary on your account(s)
| Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
|
|---|---|---|
| Earn higher rates as your balance grows3 | ||
| Earn higher rates as your balance grows3 | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Interest is compounded daily | ||
| Interest is compounded daily | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Interest is credited monthly4 | ||
| Interest is credited monthly4 | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Interest is paid according to the balance ranges maintained in the account4 | ||
| Interest is paid according to the balance ranges maintained in the account4 | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Make deposit and withdrawals | ||
| Make deposit and withdrawals | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Write checks | ||
| Write checks | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| The balance will contribute to the combined average monthly balance required to avoid the Monthly Service Fee in your Account Package | ||
| 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
|
Citi® Accelerate Savings Account |
| Deposits are FDIC insured up to applicable limits | ||
| Deposits are FDIC insured up to applicable limits | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Allows designation of a beneficiary (In Trust for Account) | ||
| Allows designation of a beneficiary (In Trust for Account) | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
| Minimum opening balance required, refer to your Account Package Terms and Conditions | ||
| Minimum opening balance required, refer to your Account Package Terms and Conditions | Citibank Savings Plus Account
|
Citi® Accelerate Savings Account |
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. |
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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. |
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Note: The Citibank Savings Plus and Citi® Accelerate Savings are both variable rate accounts. |
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Note: The Citibank Savings Plus and Citi® Accelerate Savings are both variable rate accounts. |
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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
1Must 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.
2Citibank 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.
3The 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.
4Interest 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
-
Learn more about how CD laddering works.
How CD Laddering Works
Benefits of the CD Ladder
Instead of depositing your money in a single CD, you can choose to divide your funds into several CDs with varying term lengths (referred to as a CD
ladder
). This strategy can offer several benefits, depending on your financial needs and goals.With a CD ladder, you can:
- Earn a better overall rate: By splitting the funds over a number of FDIC-insured CDs with different maturity dates, you may be able to earn more than a single short-term CD
- Obtain greater access to funds: Staggered maturities give greater access to your funds. You can get a great rate without the long wait
Example: Building a 2 Year CD ladder with $40,000:
- You invest $10,000 each in four different length CDs (i.e., 6 months, 1 year, 18 months, and 2 years) with a range of rates. Each CD term is a step on the ladder.
- When the 6-month CD matures, contact your financial professional to reinvest that money in a new 2-year CD. By this time your original 2-year CD has only 18 months left until it matures.
- At the end of two years, you'll have four 2-year CDs on your ladder. Plus, one of those 2-year CDs will mature every six months. Which means that every six months you'll have access to money that's been growing at a very competitive rate.
Set up your CD ladder with a Citi financial professional today.
Please note: To build a successful CD ladder, you must maintain it. As each CD matures, you must contact your financial professional to reinvest the money from that CD into a new 2-year CD.
The Interest Rates and Annual Percentage Yields (APYs) for Citibank Certificates of Deposit (CDs) are fixed for the term of the CD and can change at maturity. You earn the APY in effect on the day your CD is funded. Minimum opening deposit required. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
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
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You are leaving the International Personal Bank U.S. website.
Important Information
You are leaving the International Personal Bank U.S. website.
Notificación importante
Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta. Además, es posible que algunas secciones de este website permanezcan en inglés.
Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English.
Información importante
Esta traducción del inglés se entrega como cortesía para su conveniencia y fue obtenida de un proveedor de servicios de traducciones certificado independiente. Se acuerda que la versión en idioma inglés será controlante y concluyente en caso de cualquier diferencia en significado entre la traducción y la versión en idioma inglés.
Por favor, tenga en cuenta que es posible que las comunicaciones futuras de Citigroup Inc. y sus afiliadas, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta.