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Inter-Institution Transfers

Make transferring funds between your Citi and non-Citi accounts a non-problem

Inter-Institution Transfers let you make free online transfers between your Citibank accounts and your deposit accounts at other financial institutions and credit unions in the United States.

What it costs: Free

Right for you if

You want to transfer money to a deposit account you own at another financial institution.

You want to fund your Citibank account from your deposit account at another financial institution.

Your accounts are within the United States.

Works with these products

What you get

Inter-Institution Transfers is a free service that lets you make one-time or recurring online transfers between your Citibank accounts and your deposit accounts at other financial institutions and credit unions in the United States.

Easily make transfers between your Citibank checking, savings or money market account AND your checking, money market or investment account at another financial institution.

You can even use Inter-Institution Transfers to move money from your deposit accounts at other financial institutions directly into your high-interest Citibank savings account.

How It Works

Using Inter-Institution Transfers from Citibank is easy. You can:

  • Make one-time and recurring transfers
  • Make a transfer simply by setting up your non-Citi deposit account by providing the account number and the ABA number
  • See the chart for the amounts you can transfer

We recommend that you add any existing linked external deposit accounts and scheduled transfer instructions to our new Citi "Transfer Between Your Accounts" service.

TIMING OF TRANSFER*

Same day ACH – Instructions received before 12:30 PM ET
Next day ACH – Instructions received after 12:30 PM ET

TRANSFER LIMITS**

Inbound monthly – $100,000 Tenured**** $15,000 Untenured
Inbound daily – $100,000 Tenured**** $10,000 Untenured
Outbound monthly – $50,000 Tenured**** $15,000 Untenured
Outbound daily – $25,000 Tenured**** $10,000 Untenured

* The times shown here affects when your transfer request will be executed. Transfers will be executed on the Business Day requested if your instructions are entered before the cutoff time shown. Transfers are subject to applicable limits.

** Monthly limits are measured on a rolling 30 calendar day basis.

*** Customer has one or more Citi consumer accounts open for at least 91 days; credit card or first mortgage accounts are not included. Based on those accounts linked to online profile used with IIT service.

Click here to see Inter Institution Transfer Terms and Conditions

Call us at 1-800-374-9700 (TTY 1-800-788-0002) to open an account or learn more.

Terms, conditions and fees of accounts, products and services are subject to change.