Safety Check

Better to be overly safe than overdrawn.

Make bounced checks history with Safety Check — overdraft protection that transfers funds from your Citibank savings account to your checking account if your checking account is overdrawn.

Right for you if

You have a Citibank checking and savings or money market account

You want the security of overdraft protection

You want Citi to transfer money automatically to cover your overdraft

Works with these products

Regular Checking

What you get

Safety Check transfers enough funds to cover your overdraft. Transfers are rounded up to the next $100. If multiple overdrafts occur on the same day, one transfer will be made to cover those overdrafts as long as the funds are available in your savings or money market account.

How it works

To enroll, you need a checking account² and a linked Citibank savings account.¹ You can only use one Citibank savings account as the contributing account for Safety Check.

Or, call us at 1-800-374-9700 (TTY 711) to open an account or learn more.

Access Checking is not eligible for Safety Check as it's designed so that certain transactions will not be authorized. Neither Safety Check nor a Checking Plus^® (variable rate) line of credit can be linked to an Access Checking account for overdraft protection. If your Regular Checking account in the Access Account Package was converted to an Access Checking account and had a linked Safety Check or Checking Plus^® line of credit at the time of conversion, the existing links will remain. If a customer terminates their Safety Check or Checking Plus^® line of credit link to an Access Checking account, they cannot be reinstated.
If the checking account is a joint account, all owners must authorize the Safety Check coverage. Funds in your contributing account will not be held or set aside for Safety Check overdraft coverage until the funds are actually transferred to cover an overdraft. You will continue to have full access to them, and they will continue to earn interest.