Compare Features & Benefits

Citibank accounts come with everyday features & benefits. Customers who plan to keep a balance of $30,000+, can enjoy more benefits by opening an account in a Relationship Tier. Each tier has a minimum Balance Range. Make sure your Combined Average Monthly Balance doesn't drop below the range for 3 consecutive calendar months to keep your benefits.¹


COMBINED AVERAGE MONTHLY BALANCE RANGE
Compare 1^st Everyday Features & Benefits Details	Citi Relationship Tier Compare 2^nd Citi Priority Details	Citi Relationship Tier Compare 3^rd Citigold^® Details
$0 to $29,999.99¹	$30,000 to $199,999.99	To get started: $200,000 to $999,999.99 To maintain tier: $180,000 to $999,999.99
MONTHLY SERVICE FEE
Access Checking: $5 Regular Checking: $15 Savings: $4.50	No fee	No fee
Ways to avoid Monthly Service Fee for checking accounts
Regular & Access Checking fee waived¹: In the month of account opening and for 3 full calendar months after account opening¹ or each month the account has $250+ in Enhanced Direct Deposits¹	No fee	No fee
Ways to avoid Monthly Service Fee for savings accounts
Savings fee waived¹: in the month of account opening and for 3 full calendar months after account opening¹ or with a $500 Average Monthly Balance per savings account or when the owner of the savings account also owns a checking account	No fee	No fee
BANKING
Access cash at 65,000+ fee-free ATMs²
✓ true	✓ true	✓ true
Non-Citi ATM Fees²
Access Checking: $2.50 fee per withdrawal Regular Checking $2.50 fee per withdrawal waived with $250+ in Enhanced Direct Deposits¹	No fees	No fees
Unlimited reimbursement on ATM fees at Non-Citibank ATMs globally²
No reimbursement	No reimbursement	✓ true
Daily ATM/Debit Card cash withdrawal limits²
Up to $1,500 per Citibank Banking Card per Business Day	Up to $2,000 per account per Business Day	Up to $5,000 per account per Business Day
Daily Debit Card PIN-based and signature purchase limits²
$5,000 per account per Business Day	$10,000 per account per Business Day	$25,000 per account per Business Day
Citi Accelerate Savings Annual Percentage Yield (APY)^†
%	%	%
No Overdraft or Returned Item Fees²
✓ true	✓ true	✓ true
Money Order Fee
$5	Waived	Waived
Official Check Fee
$10	Waived	Waived
Stop Payment Request Fee
$30	Waived	Waived
Regular Checking: Checkbook Orders / Reorders
Varies	Waived fees: standard checkbook orders	Waived fees: standard checkbook orders
PREFERRED LENDING PRICING
Mortgage discount with Relationship Pricing²
Tiered interest rate discount or closing cost discount based on Citi Eligible Balances	Tiered interest rate discount or closing cost discount based on Citi Eligible Balances	Tiered interest rate discount or closing cost discount based on Citi Eligible Balances
Personal Loans²
Standard rates. Citi deposit account must have been open for 12 or more months at time of loan application.	0.25% rate discount to the APR. Citi deposit account must have been open for 12 or more months at time of loan application.	0.25% rate discount to the APR. Citi deposit account must have been open for 12 or more months at time of loan application.
PLANNING & INVESTING INVESTMENTS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Investment resources to simplify your financial decisions
― false	✓ true	✓ true
Commission-free trading through Citi Self Invest from Citi Personal Wealth Management²
✓ true	✓ true	✓ true
Global market analysis and research reports
― false	― false	✓ true
Access to Financial Advisors from Citi Personal Wealth Management²
― false	✓ true	✓ true
World-class investment platform from Citi Personal Wealth Management
✓ true	✓ true	✓ true
Complimentary financial planning from Citi Personal Wealth Management²
― false	― false	✓ true
TRAVEL & LIFESTYLE
Citi Entertainment^®
✓ true	✓ true	✓ true
Foreign exchange fee when using your Citi Debit Card abroad²
3.00%	Waived	Waived
World Wallet^® foreign currency exchange service and shipping fees²
Service Fees:$5 < $1,000 USD $0 > $1,000 USD Direct-to-Consumer Shipping Fees: Standard: $10 Priority: $15 Saturday: $20 Shipping to branch: Waived fee	Waived	Waived
Toll-free access to Citiphone service when traveling²
― false	✓ true	✓ true
Annual subscription rebates²
― false	― false	Up to $200
Citigold Concierge²
― false	― false	✓ true
Citigold Culture Pass²
― false	― false	✓ true
Complimentary Citi Bike membership
― false	― false	Complimentary 1-year membership²
Premium benefits through Mastercard Travel & Lifestyle Services²
― false	― false	― false

INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

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

Pricing & Fee Waivers

A Monthly Service Fee is the amount you pay each calendar month starting from the first day you open your account to maintain and service your Checking account or Savings account at Citibank. You will not see a Monthly Service Fee debited from your account(s) during your first four Statement Periods because the same fee waiver that applies during the month of account opening will be applied three more times to cover the following three full calendar months. Important Note: Calendar months may not match your Statement Period. Please remember to review the “Account Fees and Charges” section when you receive your fourth account statement for information about any Monthly Service Fees that may apply for the subsequent Statement Period.
Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.
An Enhanced Direct Deposit (EDD) is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An EDD also includes Zelle^® incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.
Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees. Applicants must use a residential address in one of the following locations when applying to open a Citi Miles Ahead Savings account: Armed Forces America, U.S. Armed Forces — Europe, Alaska, Alabama, U.S. Armed Forces — Pacific, Arkansas, American Samoa, Arizona, Colorado, Delaware, Georgia, Guam, Hawaii, Iowa, Idaho, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maine, Michigan, Minnesota, Missouri, Northern Mariana Islands, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virgin Islands, Vermont, Washington, Wisconsin, West Virginia, Wyoming and select markets in Florida and Illinois.
Accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion.

New to Relationship Information

Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to Relationship customers”) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold^® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold^® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month.
All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.
*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Client Manual Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and International Personal Bank.

Re-Tiering

Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier’s minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier’s minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we’ll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.

Please review your Client Manual Agreement for a complete list of waived and reduced fees.

Not all benefits are available at account opening.

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

Everyday benefits

All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.
You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.
65,000+ Fee-Free ATMs. 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; regular account charges apply. 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. MoneyPass is a registered trademark of Fiserv, Inc.
Debit Card Limits. Citibank reserves the right to change limits or to suspend or discontinue the availability of electronic transfer services at any time based on security or other factors.
Citi Mortgage Relationship Pricing.
Balances of $1 - $49,999.99: $500 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
A Citibank deposit account is required to receive the interest rate discount or closing cost credit.
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. Citi Mortgage Relationship Pricing benefits cannot be combined with other offers or incentives. 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. Eligible Balances will be verified after final loan approval. The balances used to determine the benefit will be what remains after any down payment and closing costs for the mortgage transaction.
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. The borrower must be an account holder on investment 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 / Commercial accounts, ERISA accounts, Keogh accounts, Bank Collateral accounts, Foreign accounts, Fiduciary accounts, and Trust accounts where the borrower is only listed as the Beneficiary are excluded. All Custodial type accounts are excluded with the exception of Custodial IRA accounts through Citibank or Pershing LLC where the borrower(s) is the beneficiary, which are eligible unless otherwise noted. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.
The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back.
If you are interested in Citi's banking account relationship offers, please contact your Mortgage Representative to discuss which offer is best for you. 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 for this offer:
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 Inc. accounts.
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. Offers are not applicable on Home Equity Loans and Lines of Credit.
Investment products are offered through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citibank and CGMI are affiliated companies under the common control of Citigroup Inc.
Terms, conditions and fees for accounts, programs, products and services are subject to change. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Offer cannot be combined with any other mortgage offers. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.
Lending products offered by Citibank, N.A. NMLS ID 412915. Equal Housing Lender.
Discounts on Citi Personal Loans. You must be in a Relationship Tier at the time of submitting a personal loan application to receive the applicable discount to that Relationship Tier. Existing deposit and credit card customers who have been a Citi customer for less than 12 months are not eligible for a Citi Personal Loan. Personal loans subject to credit approval. Terms and restrictions apply.
Commission-free Trading. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile^® App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. Account service fees may also apply. There are other costs associated with ETF and mutual fund investing, such as management fees and expenses.
Citi Self Invest. Citi Self Invest is a digital self-directed investment platform of Citi Personal Wealth Management.
Citi Entertainment: You must use a Citi credit card which displays the Visa or Mastercard logo or a Citibank Debit Card which displays the Mastercard logo to take advantage of any ticket offer. Tickets are subject to availability and ticket orders may be subject to a service charge. Ticket limit per account and age requirements vary by event. By responding to an offer, you will be disclosing all the information requested to a company outside the Citigroup family of companies. Citi is not responsible for products or services offered by other companies.
Foreign Exchange Fee. Citi will apply a foreign exchange fee equal to 3% of the transaction amount (including credit and reversals) for each international debit card purchase or ATM withdrawal transaction (including those at Proprietary Citibank ATMs) made in a currency other than U.S. Dollars when the transaction is conducted outside the 50 United States and its territories. Fee is waived for Citigold, Citi Priority, Citi Private Bank, and International Personal Bank U.S. accounts.
World Wallet Foreign Currency Exchange Services. Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service.
Toll-free Access. Toll-free access to the U.S. Citi Service Center when traveling requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.

Citi Priority benefits

Everyday benefits information above, plus:

As a client in the Citi Priority Relationship Tier, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services 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.

Citi does not provide tax or legal advice.

Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.
Increased Limits. Increased limits for Zelle^® transfers, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier. Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle^® or you have made a change to your enrolled phone number, email address or linked account number.

Citigold benefits

Citi Priority benefits information above, plus:

As a client in the Citigold Relationship Tier, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services 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). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi does not provide tax or legal advice.

ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.
Citigold Concierge. Citigold Concierge is the name of the service provided by Aspire Lifestyles for Citigold clients on behalf of Citigroup Inc. Citigroup Inc. and Aspire Lifestyles are not affiliated companies.
Citigold Culture Pass. For customers in the Citigold or Citigold Private Client Relationship Tiers, Museum of Modern Art (MoMA), Museum of the City of New York (MCNY), Solomon R. Guggenheim Museum (Guggenheim) and The New York Botanical Garden (NYBG) benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) for a client and one guest. Subject to availability. Subject to change at any time. Exchanges subject to availability. No refunds.
Note: The Citigold Culture Pass benefit with the Roundabout Theatre Company will be discontinued on August 31, 2024. The Citigold Culture Pass benefit with the Museum of the City of New York (MCNY) will be discontinued on December 31, 2024.
Ticket(s) must be purchased in advance. To purchase ticket(s) online using Citigold Culture Pass, please click “Get Offer Code” to reach out to your Wealth Advisor to obtain a Unique Code.
To enter, you will be required to present your ticket, a Citigold or Citigold Private Client Debit Card (as applicable), or and a valid ID upon entry.
MoMA and MCNY — Subject to availability, you may be able to purchase your tickets with your Unique Code in person the same day of entry.
Guggenheim benefit is available at the New York City museum location only. Visitors must book advance tickets online at guggenheim.org by selecting the “Affiliates” option and choosing “Citigold Cardholder.” In addition to the above requirements, you may use a Citigold Private Client World Debit Mastercard^® for entry.
NYBG offers complimentary All-Garden Pass admission. Restrictions may apply when entry is moderated by timed ticketing; Holiday Train Show may be subject to limited blackout dates. To visit NYBG, reserve a time online in advance.
Citi is not affiliated with MoMA, MCNY, Guggenheim or NYBG.
For more information about Citigold Culture Pass visit https://citigold.citi.com/culturepass/
Citi Bike Membership. Complimentary one-year Citi Bike memberships for Citigold clients are limited to one (1) per household for households located in New York, New Jersey, or Connecticut only. A Citi Bike annual membership includes unlimited 45-minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member. For more information about the Citi Bike program and annual membership, visit www.citibikenyc.com. Subject to availability and change in terms at any time.
The Citi Bike^® Program in New York is operated by Lyft Bikes and Scooters, LLC. Citibank, N.A. and Lyft Bikes and Scooters, LLC are not affiliated companies and Citibank, N.A. has no liability for the operation of the program. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc.
Citigold and Citigold Private Client Subscription Rebate Program.
This is a Citi sponsored program for eligible Citigold or Citigold Private Client customers.
Select Citigold and Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Additional persons with accounts linked to an Eligible Customer who live at the same address, will not be invited or eligible to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. Eligible Customers must purchase subscriptions with their Citibank^® Debit Card as follows:
—Costco^®: Purchased on Costco's website, over phone or in Costco warehouses
—TSA PreCheck^®: Purchase at enrollment centers after applying online
—Amazon Prime, Hulu^®, Spotify Premium, Global Entry, Blade^®: Purchase on merchant websites
—The Wall Street Journal: Purchased on The Wall Street Journal website or over phone
Eligible Customers must be Citigold or Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account's Available Now Balance. Cash back rebates may post up to 8 weeks after your subscription purchase.
“Costco” is a registered trademark of Costco Wholesale Corporation.
The TSA PreCheck^® trademark is used with the permission of the U.S. Department of Homeland Security.
The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.
PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.
Hulu and the Hulu logo are registered trademarks of Hulu, LLC.
Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.

Citigold Private Client benefits

Citigold benefits information above, plus:

As a client in the Citigold Private Client Relationship Tier, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services 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). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi does not provide tax or legal advice.

Citi Bike Membership. Complimentary one-year Citi Bike memberships for Citigold Private Clients are limited to one (1) per household for households located in New York, New Jersey, or Connecticut only. A Citi Bike annual membership includes unlimited 45-minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member. For more information about the Citi Bike program and annual membership, visit www.citibikenyc.com. Subject to availability and change in terms at any time.
The Citi Bike^® Program in New York is operated by Lyft Bikes and Scooters, LLC. Citibank, N.A. and Lyft Bikes and Scooters, LLC are not affiliated companies and Citibank, N.A. has no liability for the operation of the program. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc.
Mastercard Travel & Lifestyle Services. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management USA, Inc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Service. Certain terms, conditions and exclusions apply. Full details are available at https://travel.mastercard.com.

Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees. Applicants must use a residential address in one of the following locations when applying to open a Citi Miles Ahead Savings account: Armed Forces America, U.S. Armed Forces — Europe, Alaska, Alabama, U.S. Armed Forces — Pacific, Arkansas, American Samoa, Arizona, Colorado, Delaware, Georgia, Guam, Hawaii, Iowa, Idaho, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maine, Michigan, Minnesota, Missouri, Northern Mariana Islands, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virgin Islands, Vermont, Washington, Wisconsin, West Virginia, Wyoming and select markets in Florida and Illinois.

†Annual Percentage Yield (APY) is accurate as of 12/29/2024 in the location entered upon accessing citi.com. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings. There is no minimum deposit required to obtain the APY, however, accounts with a zero balance for 90 days are subject to closure. For APYs on other savings accounts, log onto citi.com or speak to a banker.

Citi Accelerate Savings accounts are available in select markets. Applicant(s) with a residential/home (not mailing) address in one of the following locations are eligible to apply to open a Citi Accelerate Savings account: AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.

For full terms and conditions please view the Client Manual Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.

Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.

Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.

Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses.

Certain other trademarks listed above are owned by third parties not affiliated with Citibank.

World Wallet^® services are provided by Citibank, N.A. World Wallet is a registered service mark of Citigroup, Inc.

Compare Features & Benefits

COMBINED AVERAGE MONTHLY BALANCE RANGE

MONTHLY SERVICE FEE

BANKING

PREFERRED LENDING PRICING

PLANNING & INVESTING

TRAVEL & LIFESTYLE

¹Product & Pricing Information

Pricing & Fee Waivers

New to Relationship Information

Re-Tiering

²Additional information

Everyday benefits

Citi Priority benefits

Citigold benefits

Citigold Private Client benefits

Compare Features & Benefits

COMBINED AVERAGE MONTHLY BALANCE RANGE

MONTHLY SERVICE FEE

BANKING

PREFERRED LENDING PRICING

PLANNING & INVESTING

TRAVEL & LIFESTYLE

1Product & Pricing Information

Pricing & Fee Waivers

New to Relationship Information

Re-Tiering

2Additional information

Everyday benefits

Citi Priority benefits

Citigold benefits

Citigold Private Client benefits

¹Product & Pricing Information

²Additional information