Citi Financial Pathways

Account monthly service fees* and non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking Accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”), or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has a Combined Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Unless a waiver applies as described above, monthly service fees are as follows:

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, savings or MMA account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH 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, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.

*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.

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 Deposit 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.

HomeRun is available in Citibank assessment areas and specific census tracts in Atlanta, Austin, Cambridge, Dallas, Denver, Houston, and Philadelphia Metropolitan Statistical Areas, for loans on the primary residence of borrowers who qualify and is also subject to income, property, product, and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops, and PUDs) with a loan amount up to $726,200. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $726,201 and $1,089,300 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. 2-unit properties are eligible for 89.99% financing with loan amounts up to $929,850 or 85% up to $1,394,775 in certain high-cost markets. In addition to homebuyer education, borrowers of 2-unit properties must participate in landlord training from a Citi-approved community agency prior to closing. HomeRun is not available on Cash-Out Refinance transactions.

Lender Paid Assistance is a non-repayable lender credit that will be first applied to eligible closing costs. Any remaining funds can be used to buy down the rate. Up to a maximum of $7,500 is available on the purchase of a primary residence in Citibank Assessment Areas and also specific census tracts in Atlanta, Austin, Cambridge, Dallas, Denver, Houston and Philadelphia Metropolitan Statistical Areas , and is subject to additional property, income and other eligibility requirements. The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.