CHECKING PLUS^® (VARIABLE RATE) LINE OF CREDIT

The protection you need, the flexibility you want.

A Checking Plus^® line of credit account provides the overdraft protection you need to help protect you from bounced checks. If approved, you can also use this revolving line of credit whenever you need quick access to cash.

Right for you if:

You want the safety of overdraft protection

You want protection against bounced checks, up to the amount of your available credit line³

You could use a revolving line of credit

20.00%

variable APR¹

To apply to the Checking Plus (variable rate) line of credit:

1-877-362-9100

For TTY: Use 711 or other Relay Service

Visit a Branch

Works with these products

Citibank Checking Accounts

What you get

A Checking Plus^® line of credit automatically transfers funds from your credit line to your checking account to cover your overdraft. This helps protect you from bounced checks up to the amount of your available credit line!³

If there's an outstanding balance on your Checking Plus account, the minimum payment is automatically deducted each month from your linked checking account. It's that easy.

How it works

The amount transferred is rounded up to the nearest $100, so you have extra protection if other overdrafts occur. You also can borrow funds from your Checking Plus^® line of credit directly OR transfer funds from Checking Plus^® to any linked account, such as your Citi checking, savings or a money market.

Don't need the extra coverage? Just transfer funds from your checking account to pay back your Checking Plus^® advance.

To qualify, you must have an annual income of at least $10,500 and fund an eligible Citibank deposit account with a balance of at least $1 within 21 days from the date of application²