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Submitted URL: http://banking.citi.com/
Effective URL: https://www.citi.com/banking/bank-accounts
Submission: On January 18 via api from US — Scanned from DE
Effective URL: https://www.citi.com/banking/bank-accounts
Submission: On January 18 via api from US — Scanned from DE
Form analysis
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Text Content
Skip to Content ATM / BRANCH ESPAÑOL Close Important Information Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta. Además, es posible que algunas secciones de este website permanezcan en inglés. -------------------------------------------------------------------------------- Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English. Continuar * Credit Cards * View All Credit Cards * Balance Transfer Credit Cards * 0% Intro APR Credit Cards * Rewards Credit Cards * Cash Back Credit Cards * Travel Credit Cards * Retail Store Cards * Small Business Credit Cards Quick Links * Citi® Credit Knowledge Center * Respond to Mail Offer * Banking * Checking * Savings * Banking Overview * Certificates of Deposit * Banking IRAs * Rates * Small Business Banking Quick Links * Savings Made Simple * Citi® Bonus Offers * Lending * Personal Loans * Overdraft Line of Credit * Home Lending * Buy a Home * Refinance Your Home * Use Your Home Equity * Small Business Lending Quick Links * Mortgage Calculators * Home Equity Calculators * Mortgage Learning Center * Personal Loans Center * Investing * Investing Overview * Self-Directed Investing * Guided Investing * Working with an Advisor Quick Links * Planning Tools * Market Insights * Investments & Insurance * Wealth Management * Citigold * Citigold® Private Client * Citi Priority Quick Links * Find a Wealth Team * Planning Tools * ATM / BRANCH * ESPAÑOL Close Notificación importante Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta. Además, es posible que algunas secciones de este website permanezcan en inglés. -------------------------------------------------------------------------------- Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English. Continuar * Open an Account * How can we help? * Sign On How can we help? Close Sign On User ID Password Remember my User ID Sign On Forgot User ID? Activate a Card Forgot Password? Register for Online Access Products & pricing based on your home address Change Close Where Do You Live? The products and pricing we offer may vary between locations. Please enter your home zip code. Zip Code Error SubmitCancel Close Something Went Wrong Due to a technical error, we are unable to process your application at this time. Please try again or call us at 1-800-374-9500 (TTY: 711). Return to Application SIMPLIFIED BANKING WITH CITI New to Relationship customers can enjoy Relationship Tier benefits and features when they open an account and keep them if they meet a balance of at least $30,000 within 3 calendar months.1 Already a customer? To apply with a pre-filled application, sign on If your account hasn’t been converted to simplified banking, see product & pricing information for account packages. More Banking with Citi Grow Your Business Small Business Banking Secure Your Retirement Banking IRAs Have questions? Call us YOUR PATH TO RELATIONSHIP TIERS Open, combine and link to meet minimum balance requirements. GET BENEFITS INSTANTLY Open a checking, savings or CD account in a Relationship Tier and get benefits instantly.1 Compare Relationship Tiers COMBINE ACCOUNT BALANCES Other Citi Eligible Deposit and Investment accounts count toward the balance requirement.1 Get Details ENROLL IN FAMILY LINKING Immediate family members who live with you can combine balances to access Relationship Tier benefits sooner.1 Get Details GROW YOUR CITI RELATIONSHIP No matter where you start, you’ll automatically move up and enjoy more benefits once your balance grows to the next Relationship Tier.1 CITI RELATIONSHIP TIERS EVERYDAY BENEFITS Access to Citi Mobile® App, online banking and 65,000+ fee-free ATMs nationwide2 Combined Average Monthly Balance $0 to $29,999.991 Features & Benefits Include: * Ways to avoid Monthly Service Fees with $250+ in Enhanced Direct Deposits1 * No Overdraft or Returned Item Fees2 * * And more Open an Account Compare features & benefits CITI PRIORITY Preferred banking with no Monthly Services Fees,1 plus access to financial planning guidance2 Combined Average Monthly Balance $30,000 to $199,999.99 Everyday Benefits, Plus: * No Citi fees for using non-Citi ATMs2 * Complimentary financial check-ups from Citi Personal Wealth Management2 * Increased limits for Zelle® payments, debit card purchases and daily ATM withdrawals2 And more Open an Account Citi Priority benefits CITIGOLD® Premium banking with waived online wire transfer fees, plus a dedicated wealth team2 Combined Average Monthly Balance $200,000 to $999,999.99 Citi Priority Benefits, Plus: * Unlimited reimbursement of non-Citi ATM fees globally2 * Dedicated team and investment guidance from Citi Personal Wealth Management2 * Up to $200 annually in cash back subscription rebates2 And more Get Started Citigold benefits CITIGOLD® PRIVATE CLIENT Premier banking featuring fee-free services, plus an elevated level of wealth management2 Combined Average Monthly Balance $1,000,000+ Citigold Benefits, Plus: * Higher limits for Mobile Check Deposits, ATM cash withdrawals and more2 * Advanced wealth planning and more from Citi Personal Wealth Management2 * Double the amount in cash back subscription rebates — up to $400 annually2 And more Get Started Citigold Private Client benefits To remain in your Relationship Tier, you need to make sure your Combined Average Monthly Balance doesn’t drop below your Relationship Tier’s minimum Balance Range for 3 consecutive calendar months.1 Compare features & benefits INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED ON-THE-GO MOBILE BANKING With the Citi Mobile® App, your money moves with you.2 SNAPSHOT Enroll in Snapshot to rapidly review key account info without having to sign on MOBILE CHECK DEPOSIT Deposit checks quickly from your mobile device2 CITI® QUICK LOCK Block new transactions and lock your stolen or misplaced card2 ATM / BRANCH LOCATOR Locate 65,000+ fee-free ATMs and find a branch near you2 You can also check balances, view transactions, make payments, transfer funds and so much more. CURIOUS ABOUT OUR BONUS OFFERS? Check Featured Offers SMART WAYS TO MANAGE YOUR MONEY When it comes to your finances, knowledge is power. Stay on top of managing your money and savings with financial education resources that can help you achieve your goals. WHAT IS A SAVINGS ACCOUNT? Savings accounts are one of the simplest ways to keep and grow your money. Read More HOW TO CHOOSE THE RIGHT BANK ACCOUNT Here's a simple guide to the main types of accounts you can open at a bank. Read More IS A HIGH-YIELD SAVINGS ACCOUNT RIGHT FOR YOU? Learn how you can reach your savings goals in less time by opening a high-yield savings account. Read More ARE YOU READY TO EXPERIENCE BANKING WITH CITI? APPLY NOW Online: Select an option By phone: 1-800-321-2484 TTY: We accept 711 or other Relay Service. We’re available daily, 9 AM to 11 PM ET. ALREADY APPLIED? Check your status by phone: 1-800-745-1534 TTY: We accept 711 or other Relay Service. We’re available Mon-Fri 9 AM to 6 PM ET. Have your reference number ready (it’s in the email you received after applying). 1Product & Pricing Information TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE. Pricing & Fee Waivers 1. 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 an 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. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows: Deposit AccountMonthly Service FeeAccess Checking$5.00Regular Checking$15.00Savings***$4.50 *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. **An 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 or savings 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. ***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees. 1. Checking accounts and Savings accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion. CD accounts are subject to closure after 20 consecutive calendar days with a zero balance. Relationship Tier & Re-Tiering Information 1. Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to Relationship customers”) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month. All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi. *Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Client Manual Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and International Personal Bank. Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier’s minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier’s minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we’ll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking. Family Linking 1. If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members (“Members”), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Client Manual Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts. 2Additional information Please review your Client Manual Agreement for a complete list of waived and reduced fees. Not all benefits are available at account opening. FDIC Insured Savings The funds in your Deposit Account at each Program Bank are eligible for insurance by the FDIC up to $250,000 (including principal and accrued interest) per depositor in each insurable capacity (e.g., individual, joint account, IRA, etc.). To learn more please visit FDIC. TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE. Everyday benefits All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi. 1. No Overdraft Fees. 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 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. 1. 65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc. 1. Citi Mobile App and Mobile Check Deposit. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile app or the Mobile Check Deposit service. However, you must have a Web-enabled cell or smartphone to use the Citi Mobile app or Mobile Check Deposit service and charges from your wireless carrier may apply. Citibank is not responsible for products and services offered by other companies. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply. 1. Zelle® Payments. Zelle® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle® should only be used to send money to those you know and trust. Neither Citibank nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected. 1. Citi Quick Lock. Includes point-of-sale (in person and via digital wallets), cash back and online purchases. Citi Priority benefits Everyday benefits information above, plus: As a Citi Priority client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc. 1. Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator. 1. Increased Limits. Increased limits for Zelle® payments, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier. 1. Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Client Manual Agreement. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Citigold benefits Citi Priority benefits information above, plus: As a Citigold client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc. Citi does not provide tax or legal advice. 1. Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Client Manual Agreement for additional information. 1. ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts. 1. Citigold Subscription Rebate Program This is a Citi sponsored program for eligible Citigold customers. TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE. Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows: Costco®Purchase on Costco’s website, over phone or in Costco warehousesTSA PreCheck®Purchase at enrollment centers after applying onlineHulu®, Amazon Prime, Spotify Premium, Global EntryPurchase on merchant websites Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account's Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase. “Costco” is a registered trademark of Costco Wholesale Corporation. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates. The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security. Hulu and the Hulu logo are registered trademarks of Hulu, LLC. Citigold Private Client benefits Citigold® benefits information above, plus: As a Citigold Private Client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc. Citi does not provide tax or legal advice. 1. Increased Mobile Check Deposit Limits. The increased mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than six (6) months or to customers with a deposit account, retirement account, loan or line of credit (excluding a credit card or first mortgage) on which they are either an owner or signer in any of the following banking relationships: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive. 1. Wire Transfer Fee Waiver. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Client Manual Agreement for additional information. 1. Citigold Private Client Subscription Rebate Program. This is a Citi sponsored program for eligible Citigold Private Client customers. TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE. Select Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows: CostcoPurchase on Costco’s website, over phone or in Costco warehousesTSA PreCheck®Purchase at enrollment centers after applying onlineHulu®, Amazon Prime, Spotify Premium, Global Entry, Blade®Purchase on merchant websitesThe Wall Street JournalPurchase on The Wall Street Journal website or over phone Eligible Customers must be Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase. “Costco” is a registered trademark of Costco Wholesale Corporation. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security. The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc. PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates. The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security. Hulu and the Hulu logo are registered trademarks of Hulu, LLC. Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc. 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 an 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. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows: Deposit AccountMonthly Service FeeAccess Checking$5.00Regular Checking$15.00Savings***$4.50 *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. **An 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 or savings 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. ***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees. †Annual Percentage Yield (APY) Annual Percentage Yield (APY) is accurate as of 01/18/2024 in the location entered upon accessing citi.com. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings. APY is determined by Rate Region, Relationship Tier and applicable promotion. If you open your account in a physical branch or with a physical branch employee by phone (including video calls), the Rate Region applicable to your account will be the state where the branch is located. If you open your account online (including Citi Mobile®) or by telephone other than a physical branch employee by phone (including video calls), we will use the residential address (not your mailing address) you provide when opening your account to assign your Rate Region. Citi Accelerate Savings accounts are available in select markets. Applicant(s) with a residential/home (not mailing) address in one of the following locations are eligible to apply to open a Citi Accelerate Savings account: AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. ‡Annual Percentage Yield (APY) is accurate as of 01/18/2024. The Composite Annual Percentage Yield (APY) for the Step Up CD is accurate as of 01/18/2024 and is based on the 3 fixed initial interest rates shown for Months 1 through 10, Months 11 through 20, and Months 21 through 30. APYs are subject to change before a term begins for new and renewing CDs. The APY assumes interest remains on deposit in the CD account until maturity. Credited interest may be withdrawn without penalty. A withdrawal will reduce earnings. A penalty will be imposed for early withdrawal of principal. Fees could reduce account earnings. The No Penalty CD allows withdrawal of the full balance and interest without penalty after the first 6 days you make the minimum deposit into your new CD and your deposit has been fully collected. An early withdrawal penalty applies to withdrawals from a No Penalty CD during the first 6 days. Partial withdrawals, including interest withdrawals, from a No Penalty CD are not permitted. $500 minimum deposit required. APYs based on CD account balance use the applicable balance range to determine your APY and interest rate. Citi may assign the same APY to more than one balance range. Balance ranges include: $0 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $499,999.99 $500,000 - $999,999.99 $1,000,000+ No Penalty CDs automatically renew without the no penalty feature to a 12 month CD. Step Up CDs automatically renew without the step up feature to a 30 month CD. All other CDs automatically renew at maturity for the same term at the rates in effect on the CD renewal date. There is a grace period of up to 7 calendar days after the maturity date. You can make a change during the grace period without penalty. The CD opening date (renewal date) and maturity date will reset if you make a change during the grace period, and you will not be able to make any changes until the next maturity date without penalty. For full terms and conditions please view the Client Manual Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number. Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured. Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply. Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses. Certain other trademarks listed above are owned by third parties not affiliated with Citibank. World Wallet® services are provided by Citibank, N.A. World Wallet is a registered service mark of Citigroup, Inc. ©2024 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. × Important Information You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site? Citi is not responsible for the products, services or facilities provided and/or owned by other companies. 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The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. Deposit products and services are offered by Citibank, N.A., Member FDIC