CitiBusiness®
Preferred Programs
Get access to our best rates, special savings and superior benefits - available to businesses in any industry.
All Preferred Programs Include:

Online Banking

Citi’s online banking tools to help you manage your day-to-day business transactions

Mobile

Deposit checks, pay bills, transfer funds and monitor your account

Security & Fraud Protection

We help protect your accounts from online fraud risks so you can bank with confidence. Visit the Security Center Center for more information

See which program is best for you
CitiBusiness
Preferred Banking
CitiBusiness
Preferred Banking Plus
PRICING
PRICING
CitiBusiness
Preferred Banking
CitiBusiness
Preferred Banking Plus
Monthly Program fee
Monthly Program fee
CitiBusiness
Preferred Banking
$40
CitiBusiness
Preferred Banking Plus
$95
Average collected monthly balance to waive fee
Average collected monthly balance to waive fee
CitiBusiness
Preferred Banking
$15,000
CitiBusiness
Preferred Banking Plus
$50,000
Included checking transactions monthly1
Included checking transactions monthly1
CitiBusiness
Preferred Banking
500
CitiBusiness
Preferred Banking Plus
750
Included cash deposits each month
Included cash deposits each month
CitiBusiness
Preferred Banking
$20,000
CitiBusiness
Preferred Banking Plus
$20,000
CASH BENEFITS
CASH BENEFITS
CitiBusiness
Preferred Banking
CitiBusiness
Preferred Banking Plus
ACH Origination
ACH Origination
CitiBusiness
Preferred Banking
Standard pricing - $47 per month3
CitiBusiness
Preferred Banking Plus
$0 (first 250 items)
Check Positive Pay
Check Positive Pay
CitiBusiness
Preferred Banking
Standard pricing - $55 per month3
CitiBusiness
Preferred Banking Plus
$0 (first 250 items)
ACH Positive Pay
ACH Positive Pay
CitiBusiness
Preferred Banking
Standard pricing - $50 per month3
CitiBusiness
Preferred Banking Plus
$20 per month
Zero Balance Account
Zero Balance Account
CitiBusiness
Preferred Banking
$45 per month - Master Account
$25 - per month - Each Sub-Account
CitiBusiness
Preferred Banking Plus
$10 per month - Master Account
$0 - Each Sub-Account
Remote Check Deposit / Check Scanner2
Remote Check Deposit / Check Scanner2
CitiBusiness
Preferred Banking
$40 per month (includes a single-feed network check scanner; regularly $60 per month)
CitiBusiness
Preferred Banking Plus
$0 per month (includes a multi-feed network check scanner; regularly $60 per month)
ADDITIONAL BENEFITS
ADDITIONAL BENEFITS
CitiBusiness
Preferred Banking
CitiBusiness
Preferred Banking Plus
Checkbook – first order
Checkbook – first order
CitiBusiness
Preferred Banking
Fee waiver on first checkbook order (up to $150)
CitiBusiness
Preferred Banking Plus
Fee waiver on first checkbook order (up to $150)
Stop Payments (via CitiBusiness Online)
Stop Payments (via CitiBusiness Online)
CitiBusiness
Preferred Banking
Fees waived
CitiBusiness
Preferred Banking Plus
Fees waived
Wire Transfers
Wire Transfers
CitiBusiness
Preferred Banking
No fee on first 5 wires executed online (can be International, Domestic and/or Incoming).
CitiBusiness
Preferred Banking Plus
$0 - Incoming wires (no limit)
$0 - Online International wires (first 4)
Citi Merchant Services
Citi Merchant Services
CitiBusiness
Preferred Banking
Up to $100 rebate8
CitiBusiness
Preferred Banking Plus
Fee waived on Clover Flex handheld mobile POS device (for accepting credit/debit card payments)9
Business Insured Money Market Account
Business Insured Money Market Account
CitiBusiness
Preferred Banking
0.10% per annum higher rate vs. standard rates
CitiBusiness
Preferred Banking Plus
0.10% per annum higher rate vs. standard rates
Business Line of Credit or Installment Loan
Business Line of Credit or Installment Loan
CitiBusiness
Preferred Banking
0.25% per annum discount off standard rate
CitiBusiness
Preferred Banking Plus
0.25% per annum discount off standard rate
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Personal Benefits for Business Program Customers

When you open a Citi Priority Account Package you can enjoy:

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Waived Monthly Fee

Standard monthly fee of $30 waived.4

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Most Fee-Free ATMs in the U.S.

Your money is always in reach with over 65,000 fee-free ATM’s – the most offered by any major bank in the U.S.6

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Preferred Deposit Rates

Earn a higher interest rate on select Citibank Money Market accounts.

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Access to Rewards

Enroll in Citi ThankYou® Rewards and earn our highest level of points for a checking relationship.5

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Preferred Loan Rates

Rate discounts on select personal loans and lines of credit.7

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Mortgage Relationship Pricing

Receive a lower interest rate on your mortgage or a credit on your closing costs.10

Check out our Industry Programs
INDUSTRY PROGRAMS
Designed to meet your business needs
Citi has tailored small business solutions to fit your specific business needs. We understand the complexities of your business and want to help streamline and simplify your banking experience.

Contact a Business Specialist

To learn more about CitiBusiness Solutions for your industry, contact one of our specialists.

TERMS, CONDITIONS, AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE

  1. Checking transactions include checks paid, deposited items, deposit tickets, ACH debits and ACH credits. A fee per transaction will apply after the customer exceeds the total number of included transactions, in any combination, during a calendar month. Currency fees will apply after the customer exceeds the included cash deposit amount during a calendar month. Refer to the CitiBusiness Schedule of Standard Fees and Charges for a complete list of fees.
  2. Deferred purchase price applies if service is canceled within 24 months. Certain other restrictions apply.
  3. Additional fees may apply. See cash management fee schedule for details.
  4. Offer available to authorized signers on the business checking account. Waiver applies to consumer checking account so long as the business checking account remains open and enrolled in the Preferred Program. Speak to your Business Specialist for full details.
  5. Separate enrollment of eligible consumer checking account in Citi ThankYou Rewards required. Eligible customers in The Citi Priority account package can enroll their checking accounts in ThankYou Rewards. Eligibility and participation are subject to terms, conditions and restrictions.
  6. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. 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 Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. 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 surcharge-free access.
  7. Loans and lines subject to credit approval. Certain limitations may apply.
  8. Citi Merchant Services is provided by First Data Merchant Services Corporation. Up to $100 rebate available when you sign up for Citi Merchant Services, and will come in the form of a credit to your merchant statement within 90 days of account activation. Rebate will be the lesser of merchant fees charged in the first three cycles or $100. Restrictions apply. Monthly and other fees apply. Credit/Debit cards fund as soon as next business day when linked to your Citi account. Transactions need to be batched and sent to First Data by 11 PM ET for funds to be available in your Citibank business checking after 12 PM ET the following business day. Weekends and Holidays will cause a delay to the next day funding process. Transaction details may not be reflected until the second business day.
  9. This offer is available to new Citi Merchant Services customers only. To be eligible for a Clover Flex handheld mobile POS device at no cost (a $499 value), merchant must open a new Citi Merchant Services account and sign a Merchant Processing Agreement. Citi Merchant Services accounts are subject to approval, including credit approval. Additional fees may apply to certain Clover apps, services or activated accounts. Limit one Clover Flex device per eligible business tax ID. Terms and conditions apply. This offer is not valid with any other offer. Offer subject to change without notice.
  10. A Citibank deposit account is required to receive the closing cost credit or rate discount.

    Balances of $1-$49,999.99: $250 off closing costs
    Balances of $50,000-$199,999.99: 1/8% off interest rate
    Balances of $200,000-$499,999.99: 1/4% off interest rate
    Balances of $500,000-$999,999.99: 3/8% off interest rate
    Balances of $1,000,000-$1,999,999.99: 1/2% off interest rate
    Balances of $2,000,000+or more: 5/8% off interest rate

    All home loans and lines are made by Citibank, N.A., NMLS #412915 equal housing lender, and are subject to Citibank's mortgage qualifications. Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount and closing cost credit will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval. Deposit Account Balances must be in the account five (5) Business Days following final loan approval and Investment Account balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal consumer Citibank Deposit Account, linked Citibank IRAs, and Investments held in linked Citigroup Global Markets Inc. ("CGMI") accounts. IRA and annuity positions shown on linked CGMI Account statements are eligible (except tax qualified annuities under sections 401, 403, or 457 of the Internal Revenue Code). Balances from Citibank business accounts are excluded. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.

    If you are interested in Citibank Mortgage Relationship Pricing, please contact your Home Lending Officer or Mortgage Representative.

    Citibank Mortgage Relationship Pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank Mortgage Relationship Pricing is subject to change without notice.

    Glossary of terms:
    Business Day means Monday through Friday and does not include federal holidays.
    Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs.
    Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts.
    Investment Account means IRAs and investments held in Citigroup Global Markets accounts.

    Terms, conditions and fees for accounts, programs, products and services are subject to change. Citibank Mortgage Relationship Pricing cannot be combined with any other mortgage offer. Citibank reserves the right to suspend, change and terminate Citibank Mortgage Relationship Pricing. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Closing cost credit will be applied at closing. It may be applied to origination fees and standard customary third-party and government closing costs. In Texas, the credit may not result in your receiving cash back. Citibank Mortgage Relationship Pricing is not available on Home Equity Loans and Lines of Credit.

    Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products through Citigroup Global Markets Inc. ("CGMI"), Member SIPC ([http://sipc.org]). 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.