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in Sign up Join Banking Banking Citibank Review: Checking, Savings and CDs Advertiser disclosure YOU’RE OUR FIRST PRIORITY. EVERY TIME. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners. CITIBANK REVIEW: CHECKING, SAVINGS AND CDS Citibank offers many of the perks of a big bank, but with fewer branches than its peers — and has the typical low rates. Spencer TierneyMar 8, 2021 Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. OVERALL BANK RATING Learn More at Citibank, N.A., Member FDIC * Savings * Checking * CD rates * Banking experience * Overdraft fees 4.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. The bottom line: Citibank has many perks you can expect from a big, national bank, including a wide range of product offerings and a massive ATM network. But it has fewer branches than some of its peers, like Wells Fargo and Bank of America, and also offers mostly low rates. Best for: Customers who want access to a huge network of free ATMs and a full menu of banking products in exchange for less competitive rates. PROS * Strong online and mobile features, including budgeting help and many customer service options. * 65,000+ fee-free ATMs. * 1,800+ overseas branches. CONS * Most savings rates tend to be low; better rates available elsewhere. * Balance of at least $500 required in basic savings account to waive monthly fee, more than some competitors require. * U.S. branches (about 700) are fewer than similar-sized peers. FULL REVIEW Learn More at Citibank, N.A., Member FDIC CITI® ACCELERATE SAVINGS 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. Learn More at Citibank, N.A., Member FDIC APY 0.50% With $1 minimum balance Citi® Accelerate Savings earns a higher than average rate on deposits, and there's no minimum deposit required to open the account. You'll pay a $4.50 monthly fee if you open your Citi® Accelerate Savings account in the Access, Basic or Elevate Package, but you can waive it by having an average monthly balance of at least $500. This account is available in select markets only. CITI® SIMPLE CHECKING 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. MONTHLY FEE $12.00 Waived with $1,500 minimum balance Citibank's various checking accounts generally come in combination packages with savings accounts, which have many transaction requirements to avoid fees. But if you meet those requirements, the account could be worth a look. The monthly fee for Simple Checking is on the high side, but you can get it waived by setting up at least one direct deposit and one bill payment per statement period. And you can make free withdrawals from your account at more than 65,000 ATMs, which is many more than some other national banks offer. The checking account in the basic banking package has the best balance of options to avoid the monthly fee and access to services such as checks. The information related to Citi® Simple Checking has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service. CITI® CD 2.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 1-YEAR APY 0.10% 3-YEAR APY 0.10% 5-YEAR APY 0.15% MINIMUM DEPOSIT $500 Citibank’s CD rates are a bit higher than those of other national banks, but online banks and credit unions can offer better rates. » Find high yields with our list of best CD rates for the month. The information related to Citi® CDs has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service. BANKING EXPERIENCE 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. Users can contact the bank 24 hours a day, and its channels include phone, live chat and Twitter. Branches are plentiful in New York and California but less so in other states. Citi offers more than 65,000 fee-free ATMs, more than the three largest national banks offer, combined. It also has multiple Citi-branded credit cards with cash-back, balance transfer and travel rewards features. Citibank’s online and mobile tools are strong, offering customers secure access to convenient financial features. For example, you can link Citi and non-Citi accounts so you can keep track of where your money is going. The tools also help with budgeting and goal-setting. The Android and iOS apps earn high user ratings. OVERDRAFT FEES 3.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. If you’re a Citi customer, keep your eyes fixed on your checking account. The bank charges an overdraft fee of $34 up to four times per day, making neglect of monitoring balances expensive. Some bank accounts don’t charge for overdrafts, or their fees are much lower and/or are limited to being charged to just once per day. One Citibank checking account waives overdraft fees, but you have to give up checks. If you choose to transfer money from another Citi account to cover an overdraft, it’s less costly, at $10 a day — or it’s waived for some checking accounts — but you’re essentially paying to cover a purchase with your own money. Savings Learn More at Citibank, N.A., Member FDIC CITI® ACCELERATE SAVINGS 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. Learn More at Citibank, N.A., Member FDIC APY 0.50% With $1 minimum balance Citi® Accelerate Savings earns a higher than average rate on deposits, and there's no minimum deposit required to open the account. You'll pay a $4.50 monthly fee if you open your Citi® Accelerate Savings account in the Access, Basic or Elevate Package, but you can waive it by having an average monthly balance of at least $500. This account is available in select markets only. Checking CITI® SIMPLE CHECKING 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. MONTHLY FEE $12.00 Waived with $1,500 minimum balance Citibank's various checking accounts generally come in combination packages with savings accounts, which have many transaction requirements to avoid fees. But if you meet those requirements, the account could be worth a look. The monthly fee for Simple Checking is on the high side, but you can get it waived by setting up at least one direct deposit and one bill payment per statement period. And you can make free withdrawals from your account at more than 65,000 ATMs, which is many more than some other national banks offer. The checking account in the basic banking package has the best balance of options to avoid the monthly fee and access to services such as checks. The information related to Citi® Simple Checking has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service. CD rates CITI® CD 2.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 1-YEAR APY 0.10% 3-YEAR APY 0.10% 5-YEAR APY 0.15% MINIMUM DEPOSIT $500 Citibank’s CD rates are a bit higher than those of other national banks, but online banks and credit unions can offer better rates. » Find high yields with our list of best CD rates for the month. The information related to Citi® CDs has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service. Banking experience 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. Users can contact the bank 24 hours a day, and its channels include phone, live chat and Twitter. Branches are plentiful in New York and California but less so in other states. Citi offers more than 65,000 fee-free ATMs, more than the three largest national banks offer, combined. It also has multiple Citi-branded credit cards with cash-back, balance transfer and travel rewards features. Citibank’s online and mobile tools are strong, offering customers secure access to convenient financial features. For example, you can link Citi and non-Citi accounts so you can keep track of where your money is going. The tools also help with budgeting and goal-setting. The Android and iOS apps earn high user ratings. Overdraft fees 3.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. If you’re a Citi customer, keep your eyes fixed on your checking account. The bank charges an overdraft fee of $34 up to four times per day, making neglect of monitoring balances expensive. Some bank accounts don’t charge for overdrafts, or their fees are much lower and/or are limited to being charged to just once per day. One Citibank checking account waives overdraft fees, but you have to give up checks. If you choose to transfer money from another Citi account to cover an overdraft, it’s less costly, at $10 a day — or it’s waived for some checking accounts — but you’re essentially paying to cover a purchase with your own money. HOW DOES CITIBANK, N.A. COMPARE? Citi® Accelerate Savings Member FDIC Marcus by Goldman Sachs Online Savings Account Member FDIC Discover Bank Online Savings Member FDIC NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. Learn More Learn More Learn More APY 0.50% With $1 minimum balance APY 0.50% With $0 minimum balance APY 0.50% With $0 minimum balance BONUS N/A BONUS $100 Requirements to qualify BONUS $200 Requirements to qualify RATING METHODOLOGY NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star. How we rate banks, credit unions and other financial service providers BEST ACCOUNTS * Best savings accounts * Best checking accounts * Best CD rates * Best bonuses & promotions MORE FROM NERDWALLET * How to open a bank account * Savings accounts 101 * Checking accounts 101 * CDs 101 ABOUT THE AUTHOR Spencer Tierney Spencer Tierney is an expert on certificates of deposit at NerdWallet. His work has been featured by USA Today and the Los Angeles Times. 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