Citibank offers a range of benefits and fee waivers across its various account tiers, designed to enhance your banking experience. This guide provides a detailed overview of these advantages, helping you understand how to maximize the value of your Citibank account.
Everyday Benefits for All Citibank Customers
Regardless of your Relationship Tier, all Citibank customers can access a suite of everyday benefits associated with their accounts.
Extensive Fee-Free ATM Network
Citibank boasts a network of over 65,000 fee-free ATMs across the United States. This claim is based on locations where customers can withdraw cash without incurring a surcharge from the ATM operator. Citibank customers using their Citibank® Banking Card at ATMs within Citibank branches, select retail locations, and MoneyPass® Network ATMs in the U.S. can access cash, account information, and transfers between linked Citibank accounts without surcharge fees. Standard account charges still apply. It’s important to note that ATMs in retail stores and non-Citi locations may have limited functionalities and are not operated by Citibank. To locate the nearest surcharge-free ATMs, utilize the Citi Worldwide ATM/Branch Locator available on Citibank Online or the Citi Mobile® App. MoneyPass is a Fiserv, Inc. registered trademark.
Convenient Mobile Banking with Citi Mobile App and Mobile Check Deposit
Citibank provides the Citi Mobile App and Mobile Check Deposit service for convenient banking on the go. While Citibank does not charge fees for these services, standard account charges are applicable. Using the Citi Mobile app or Mobile Check Deposit requires a web-enabled cell or smartphone, and charges from your wireless carrier may apply. Citibank is not liable for third-party products and services. Mobile Check Deposit is exclusively for personal checking accounts and is subject to eligibility, deposit limits, and other restrictions.
No Overdraft Fees for Added Financial Flexibility
Citibank’s policy includes no overdraft fees, encouraging responsible account management. While overdraft fees are waived, customers should be mindful of the implications of overdrawing their accounts. The ability to overdraw may be limited, and an overdrawn account reflects a negative balance. Overdrafts occur when a transaction item is processed that results in a negative balance or increases an existing negative balance. Citibank retains the discretion to either return (“Returned Item”) or pay (“Overdraft”) transaction items if insufficient funds are available in the Available Now Balance. Citibank may discontinue overdraft privileges without prior notice or cause. It’s important to note that fees for Deposited Check Returned Unpaid may still apply for returned checks, regardless of overdraft status.
Seamless Payments with Zelle®
Citibank integrates Zelle®, enabling customers with eligible checking accounts and a valid email address or U.S. mobile number to send money to almost anyone with a U.S. bank account. Terms, conditions, and restrictions apply to Zelle®. For security, Zelle® should only be used for transactions with known and trusted individuals. Neither Citibank nor Zelle® offer protection for authorized payments made via Zelle®, such as in cases of undelivered or misrepresented purchased items. Zelle® and related marks are owned by Early Warning Services, LLC, and used under license.
Commission-Free Trading Opportunities
Citibank offers commission-free trading for ETFs, excluding leveraged and inverse ETFs. This benefit applies to online and Citi Mobile® App trades. Phone-based ETF trades incur commissions. ETFs are subject to management fees and other expenses, detailed in each ETF’s prospectus. Account service fees may also apply. Investing in ETFs and mutual funds involves costs beyond commissions, such as management fees and expenses. Citi Self Invest is the self-directed digital investment platform provided by Citi Personal Wealth Management.
Mortgage Relationship Pricing Benefits
Citibank offers mortgage relationship pricing for customers who link a Citibank deposit account and set up automated monthly mortgage payments from that account. Specific details regarding eligible balances and closing cost credits or rate discounts are available from mortgage representatives. Citibank mortgage relationship pricing for account holders is subject to change without notice. Lending products are offered by Citibank, N.A. NMLS ID 412915, an Equal Housing Lender.
Citi Priority Benefits: Elevating Your Banking Experience
In addition to the Everyday Benefits, Citi Priority clients receive enhanced services and features.
Comprehensive Financial Services
Citi Priority clients gain access to banking and lending services from Citibank, N.A., Member FDIC and Equal Housing Lender NMLS # 412915. Furthermore, they receive financial planning and investment products as clients of Citi Personal Wealth Management, a Citigroup Inc. business offering guidance, products, and services through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (CLA) provides insurance products, operating in California as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated entities under Citigroup Inc.
ATM Fee Waiver for Greater Access
Citi Priority clients benefit from ATM fee waivers. While external banks or ATM operators may still impose surcharges, Citibank waives its ATM fees.
Increased Transaction Limits for Convenience
Citi Priority status grants increased limits for Zelle® transfers, debit card purchases, and ATM withdrawals compared to standard accounts. This benefit requires a checking account and Citi Priority, Citigold, or Citigold Private Client Relationship Tier.
Citi Personal Wealth Management Investment Account Fee Waiver
The annual fee for Citi Personal Wealth Management Investment accounts is waived for Citi Priority, Citigold, and Citigold Private Client Relationship Tiers, enhancing investment account value.
Discounts on Citi Personal Loans
Citi Priority members may be eligible for discounts on Citi Personal Loans and lines of credit, subject to credit approval and certain limitations.
Citigold Benefits: Premium Banking Advantages
Citigold clients enjoy all the benefits of Everyday and Citi Priority, alongside a suite of premium advantages.
Enhanced Financial Expertise and Support
Citigold clients receive banking and lending services from Citibank, N.A., Member FDIC and Equal Housing Lender NMLS # 412915. They also benefit from financial planning and investment products via Citi Personal Wealth Management and Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products, operating as Citigroup Life Insurance Agency, LLC in California (license number 0G56746). Wealth Relationship Managers, providing dedicated support, are Citibank employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated under Citigroup Inc. Citibank does not provide tax or legal advice.
Wire Transfer Fee Waivers for Cost Savings
Citigold clients benefit from waived wire transfer fees for transfers initiated online or via the Citi Mobile app. Fees apply to wire transfers initiated through a branch or with banker assistance. Citibank’s exchange rate for foreign currency wire transfers includes a commission for currency conversion services. Refer to the Client Manual Agreement for details.
Waived Fees for Citigold Standard Design Checkbooks
Fees for Citigold standard design checkbooks are waived. Non-standard checkbook designs, lettering, covers, and logos are subject to fees.
Other Fee Waivers for Comprehensive Savings
Citigold Relationship Tier members receive a comprehensive list of waived and reduced fees and charges. Consult the Client Manual Agreement for a complete list.
Citigold Concierge Service for Personalized Assistance
Citigold Concierge, provided by Aspire Lifestyles on behalf of Citigroup Inc., offers personalized assistance to Citigold clients. Citigroup Inc. and Aspire Lifestyles are unaffiliated companies.
Exclusive Access to Citigold Lounges
Citigold status grants access to Citigold Lounges. Entry may require verification of Citigold status via photo ID and a current Citigold debit card or other proof. Lounge amenities, admittance policies, and hours may vary and are subject to change, potentially including restrictions during private events. Lounge depictions may be artist renderings or representative real estate. For the most current information on Citigold Lounge access, clients should contact their dedicated team.
Citigold Culture Pass for Arts and Culture Access
Citigold and Citigold Private Client Relationship Tiers include the Citigold Culture Pass, providing complimentary daytime admission for the client and one guest to the Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum (Guggenheim), and The New York Botanical Garden (NYBG) during normal business hours, weekdays and weekends, subject to availability and change.
Tickets, unless indicated otherwise, must be obtained online in advance using an offer code from a Wealth Advisor. Entry requires a ticket, Citigold or Citigold Private Client Debit Card, and valid ID.
MoMA tickets may be available in person on the same day, subject to availability. Guggenheim benefit is valid only at the New York City location; tickets must be obtained in person with a Citigold or Citigold Private Client Debit Card and valid ID. NYBG offers complimentary All-Garden Pass admission, with potential restrictions during timed ticketing events; the Holiday Train Show may have blackout dates. Timed entry reservations for NYBG are required online in advance. Citi is not affiliated with MoMA, Guggenheim, or NYBG.
Kiplinger’s Best Bank Award Recognition
Citigold’s recognition includes the Kiplinger’s Best Bank Award from Kiplinger’s Personal Finance © 2024, highlighting its standing in the financial industry.
ATM Fee Reimbursement for Global Access
Citigold and Citigold Private Client Relationship Tiers provide ATM fee reimbursement for fees charged by other banks when using their ATMs for Citibank deposit account transactions. This reimbursement is limited to consumer accounts.
Toll-Free Access to U.S. Citigold Service Center
Citigold Relationship Tier members with a checking account have toll-free access to the U.S. Citigold Service Center, especially beneficial when traveling.
Citigold Subscription Rebate Program for Added Value
Citigold customers may be invited to the Citi sponsored Subscription Rebate Program. Eligible customers purchasing subscriptions with their Citibank® Debit Card from select merchants like Costco, TSA PreCheck®, Hulu®, Amazon Prime®, Spotify Premium, and Global Entry can receive cash back rebates. Eligibility requires Citigold status with an open Checking Account at the time of purchase. Rebates are typically posted within 7 business days. Terms and conditions apply, and program details are subject to change.
Citigold Private Client Benefits: The Pinnacle of Citibank Services
Citigold Private Client benefits encompass all advantages of Citigold, Citi Priority, and Everyday Benefits, with further enhancements for high-net-worth clients.
Expanded Financial Management Resources
Citigold Private Client customers receive banking, lending, financial planning, and investment services through the same entities as Citigold clients: Citibank, N.A., Citi Personal Wealth Management, and Citigroup Global Markets Inc. (”CGMI”), member SIPC, with insurance products from Citigroup Life Agency LLC (“CLA”). Wealth Relationship Managers offer dedicated support. Citigroup does not provide tax or legal advice.
Increased Mobile Check Deposit Limits for Higher Transactions
Citigold Private Client status increases mobile check deposit limits for both individual customers and per account. These increased limits are not applicable to customers with a Citibank deposit relationship less than six months old or those in specific international banking relationships with Citi. Refer to the Mobile Check Deposit Service User Agreement for complete details on deposit limits and restrictions.
Citigold Private Client Subscription Rebate Program: Enhanced Rewards
Citigold Private Client customers may be invited to an enhanced Subscription Rebate Program, similar to the Citigold program but including Blade® and The Wall Street Journal subscriptions in addition to Costco, TSA PreCheck®, Hulu®, Amazon Prime®, Spotify Premium, and Global Entry. Rebate and eligibility terms are similar to the Citigold program, requiring purchases with a Citibank® Debit Card and maintaining Citigold Private Client status with an open Checking Account.
Account Monthly Service Fees and Tiered Waivers
Monthly Service Fees for deposit accounts are waived for customers in Citigold Private Client, Citigold, or Citi Priority Relationship Tiers during the calendar month. Re-Tiering occurs if Combined Average Monthly Balance (CAMB) requirements are not met for three consecutive months.
Monthly Service Fees are also waived for Regular Checking and Access Checking accounts under specific conditions, such as $250+ in Enhanced Direct Deposits (EDD) or during the account opening month and the first three full calendar months. Citi Savings and Citi Accelerate Savings accounts also have Monthly Service Fee waivers based on Average Monthly Balance, ownership of a Regular or Access Checking account, or during the initial months after account opening. Certain customers may have Tier Exclusions through separate notice.
Standard Monthly Service Fees, when applicable, are:
| Deposit Account | Monthly Service Fee |
|---|---|
| Access Checking | $5.00 |
| Regular Checking | $15.00 |
| Savings*** | $4.50 |
*Deposit accounts are subject to service, transaction, and other fees not covered by the Monthly Service Fee. Refer to the Client Manual Agreement and fee disclosures for complete details.
**Enhanced Direct Deposits (EDD) include electronic deposits via ACH Network such as payroll, pension, social security, government benefits, and P2P payments via Zelle and other ACH-based services like Venmo or PayPal. Non-qualifying deposits include teller, cash, check, wire transfers, Citibank account transfers, ATM transactions, mobile check deposits, and debit card-based P2P payments.
***Citi Miles Ahead Savings, UTMAs Savings accounts, and COMMA accounts are exempt from monthly service fees.
For complete terms and conditions, refer to the Client Manual Agreement and Account Agreement and Notices. Online applications require U.S. citizenship or residency, being at least 18 years old, a U.S. physical address, date of birth, and identification documentation including a Social Security Number or ITIN.
Deposit and Lending products are offered by Citibank, N.A., Equal Housing Lender and Member FDIC. Only bank deposit products are FDIC insured up to $250,000 per depositor, per account category. Visit FDIC.gov for details.
