Citi Personal Banking Guide

Manage your everyday and plan for your future. Explore banking basics below.

Basic Finance

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Difference between Checking, Savings, CD & Money Market Accounts
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Compound Interest Explained
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What Is a Checking Account?
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How to Open a Checking Account
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What Are Interest Rates and How Do They Work?
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How to Withdraw Money from Your Bank
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What Is a Debit Card and How Does It Work?
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What is a CD Account and How Does it Work?
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A Joint Bank Account: What is It and How Does It Work?
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Ways to Send Money
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What Is a Money Market Account?
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9 Checking Account Benefits
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What Is Direct Deposit and How Does It Work
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What Is a Cashier’s Check
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How to Check Your Checking Account Balance
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Business Checking Account vs. Personal Checking Account
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What Do You Need to Open a Bank Account
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How Many Bank Accounts Should You Have?
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How to Open a Certificate of Deposit Account
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Benefits of Certificates of Deposit (CDs)
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Traditional vs. Online Banking

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Types of Certificates of Deposit (CDs)
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What is a Digital Wallet?
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What Happens When a Certificate of Deposit (CD) Matures?

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What Is Overdraft Protection and How Does It Work?

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Is Certificate of Deposit (CD) Interest Compounded?

When Should You Renew Your Certificate of Deposit (CD)?

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How Long Does It Take a Check to Clear?
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How to Wire Money
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How to Deposit a Check
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How to Sign Over a Check

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Do Checks Expire?

How to Close a Bank Account

How to Set Financial Goals

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Checking vs Savings: Key Differences You Need to Know
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How to Create a Budget Spreadsheet: Step-by-Step Guide
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What Is Mobile Check Deposit?
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4 Benefits of Mobile Banking

Benefits of Online Banking

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How to Manage Your Checking Account
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How to Remove Hold on Bank Account Funds

Other categories

Additional Resources

  • Citi Financial Pathways

    Utilize these resources to help you assess your current finances & plan for the future.

  • FICO® Score 

    Learn how FICO® Scores are determined, why they matter and more.

  • Glossary 

    Review financial terms & definitions to help you better understand credit & finances.

Important Information