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/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/b3fb0f502d2c7ef8b6027dd9457476e1/38bbb/citibank-marquee-outside-office.jpg 990w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/b3fb0f502d2c7ef8b6027dd9457476e1/df457/citibank-marquee-outside-office.jpg 1980w" alt="Citibank Review"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div><div class="image-credit___StyledDiv-sc-19n6y7h-0 frIhzr image-credit">iStock</div></div><div class="hero___StyledDiv3-sc-13cja8t-3 fkVaQf"></div></div></div><div class="default-layout__Paper-sc-whua08-2 default-layout___StyledPaper2-sc-whua08-3 cfpxNc jCzlTJ"><main class="default-layout__Main-sc-whua08-1 eTwNDB main"><div class="main___StyledDiv-sc-3lorry-0 djSGpa"><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><div class="MuiPaper-root text-block__Paper-sc-lt00f8-0 fmvTfJ text-block__TextBlock-sc-12no6m0-0 jcypzb MuiPaper-elevation0 MuiPaper-rounded"><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><p>AP Buyline’s content is created independently of The Associated Press newsroom. Our evaluations and opinions are not influenced by our advertising relationships, but we might earn commissions from our partners’ links in this content. Learn more about our policies and terms <a target="_self" rel="alternate" href="/web/20240402170955/https://apnews.com/buyline-personal-finance/about-us">here</a>.</p></div></div></div><div class="article-details___StyledDiv-sc-1otghcc-1 dZTZbC"><div class="article-details___StyledDiv2-sc-1otghcc-2 dqYhQT"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-1otghcc-0 bSucnc jPblJq"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained avatar"><div style="max-width:60px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='60' width='60' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/f57b3/isabel.webp 15w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/bde72/isabel.webp 30w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/927d1/isabel.webp 60w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/507b0/isabel.webp 120w" sizes="(min-width: 60px) 60px, 100vw"/><img data-gatsby-image-ssr="" class="image" data-main-image="" style="opacity:0" sizes="(min-width: 60px) 60px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/93848/isabel.jpg" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/2fb2b/isabel.jpg 15w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/3c559/isabel.jpg 30w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/93848/isabel.jpg 60w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/73bb6/isabel.jpg 120w" alt="Isabel Peña Alfaro"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/f57b3/isabel.webp 15w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/bde72/isabel.webp 30w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/927d1/isabel.webp 60w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/507b0/isabel.webp 120w" sizes="(min-width: 60px) 60px, 100vw"/><img data-gatsby-image-ssr="" class="image" data-main-image="" style="opacity:0" sizes="(min-width: 60px) 60px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/93848/isabel.jpg" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/2fb2b/isabel.jpg 15w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/3c559/isabel.jpg 30w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/93848/isabel.jpg 60w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/aa7394cd6a84513f6fa401f51547124d/73bb6/isabel.jpg 120w" alt="Isabel Peña Alfaro"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><div class="article-details___StyledDiv3-sc-1otghcc-3 gyuzgh"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-1otghcc-0 bSucnc jPblJq"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">by </span><a href="/web/20240402170955/https://apnews.com/buyline-personal-finance/author/isabel-pena-alfaro">Isabel Peña Alfaro</a></span></div></div><div class="display-date___StyledDiv-sc-1ufxsv-0 jjMquF article-details___StyledDisplayDate-sc-1otghcc-4 cypFgo display-date"><span><span class="label-prefix">Updated </span><span>March 7, 2024</span></span></div></div></div><div></div></div><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><h2 id="in-a-nutshell">In a nutshell</h2><p>Headquartered in New York City, Citibank is the fourth largest American bank by assets and one of the most recognizable consumer banks in the U.S. </p><ul><li>Citi has 65,000 fee-free ATMs nationwide, mobile check deposits with the Citi app, and a variety of bank offerings including checking, savings and CDs.</li><li>Citi also offers loans including mortgages and personal loans.</li><li>Small business bank with Citi and can take advantage of its business solutions.</li></ul><div class="multi-list__StyledMultiList-sc-1ixx0ao-0 irEqDg multi-list pros-and-cons multi-list__StyledMultiList-sc-1h4kwhb-0 gTNqpU"><div class="list"><h3 class="title">Pros:</h3><div class="content"><ul><li>Most services are simple and flexible.</li><li>No origination fees or late fees for personal loans.</li><li>$500 off closing costs for mortgages.</li></ul></div></div><div class="list"><h3 class="title">Cons:</h3><div class="content"><ul><li>High fees and little benefits for its checking accounts.</li><li>Does not offer auto loans.</li></ul></div></div></div><h2 id="citibank-checking">Citibank checking</h2><p>If you’re looking for a new checking account, Citi offers two of them: Access Checking Checkless Banking and Regular Checking Unlimited Check Writing. </p><p>The Access Checking Checkless Banking offers no overdraft fees and has a $5 monthly service fee which can be waived for three months after the account has been opened or if you receive at least $250 in direct deposits.</p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Access Checking Checkless Banking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://www.citi.com/banking/checking-account"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Access Checking Checkless Banking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU monthly-fee field"><div class="title">Monthly fee</div><div class="value">$5 Monthly Fee waived for 3 months, with Relationship Tier, or if account has $250+ in Enhanced Direct Deposits each month.</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU fees field"><div class="title">Additional fees</div><div class="value">$2.50 fee for non-Citi ATMs</div></div></div></div></div></div><div class="section-3"></div></div></div><p> Regular Checking Unlimited Check Writing also has no overdraft fees and has a $15 monthly service fee, which can be waived for 3 months once the account has been opened, if the account holder is in a “Relationship Tier,” which is the bank’s rewards program, or receives at least $250 in direct deposits. </p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Regular Checking Unlimited Check Writing </h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://www.citi.com/banking/checking-account"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Regular Checking Unlimited Check Writing </h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU monthly-fee field"><div class="title">Monthly fee</div><div class="value">$15 Monthly Fee waived for 3 months, with Relationship Tier, or if account has $250+ in Enhanced Direct Deposits each month.</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU fees field"><div class="title">Additional fees</div><div class="value">$2.50 fee for non-Citi ATMs waived each month the account has $250+ in Enhanced Direct Deposits</div></div></div></div></div></div><div class="section-3"></div></div></div><h2 id="citibank-savings">Citibank savings</h2><p>The Citi savings accounthas rates that start at 0.03% APY, and can increase if the customer is part of the Relationship Tier program. The monthly service fee is $4.50, which is waived for the first three months after the account has been opened. The fee can also be waived with a Relationship Tier, if the account holder has a minimum average balance of $500 or has a Citi checking account. The benefits this account offers is the higher APY as the customer’s Relationship Tier (and therefore also the balance) increases.</p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Savings</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://www.citi.com/banking/savings-account"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Savings</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU apy field"><div class="title">APY*</div><div class="value">Start at 0.03% APY</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU monthly-fee field"><div class="title">Monthly fee</div><div class="value">$4.5</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU bonus field"><div class="title">Bonus</div><div class="value">New Relationship customers can access Relationship Tier benefits by opening an account and maintaining a $30,000 balance within 3 months.</div></div></div></div></div></div><div class="section-3"></div></div></div><h2 id="citibank-certificates-of-deposit-cds">Citibank certificates of deposit (CDs)</h2><p>The minimum requirement to open a Certificate of Deposit (CD) with Citi is $500. The bank offers three services: the Fixed Rate CD, the No Penalty CD, and the Step Up CD. They all begin with an APY of 0.05% and increase as the term and balance increases. It’s important to note, however, that interest rates change often, so be sure to check for the latest rates. In addition, sometimes rates for CDs in the middle terms will be higher than rates for longer-term CDs.</p><p>The Fixed Rate CD starts with a minimum term of three months and goes up to five years. With a three month term, the APY is 0.05% and with a five year term, the APY is 2.00%. </p><p>The No Penalty CD is a 12-month term CD and does not charge the account holder a penalty fee if the account holder decides to withdraw money anytime after seven days after the account has been opened and funded. </p><p>The Step Up CD offers an interest rate that increases every ten months after the account has been opened. For the first ten months, the APY is 0.05%, the next ten months, it is 0.10%, and for the next ten months, it is 0.15%. The maximum amount of time one can hold this account is 30 months.</p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, 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srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Certificates of Deposit (CDs)</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://www.citi.com/banking/cd-account"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Certificates of Deposit (CDs)</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU apy field"><div class="title">APY*</div><div class="value">0.05% and increase as the term and balance increases</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU min-deposit field"><div class="title">Min. deposit</div><div class="value">$500</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU term field"><div class="title">Term</div><div class="value">3 months to 5 years</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU description field"><div class="title">Types of CDs</div><div class="value">Fixed Rate CD, No Penalty CD, and Step Up CD</div></div></div></div></div></div><div class="section-3"></div></div></div><h2 id="citibank-personal-loans">Citibank personal loans</h2><p>Personal loans with Citi go up to $30,000 and the APR ranges from 10.49% to 19.49%. The lowest rate is generally for those with excellent credit scores. For customers who enroll in automatic payment, there is a 0.05% discount to the interest rate. For those who are in default, however, there is an APR increase by 2.00%.</p><p>The benefits of the personal loans include the fact that there are no origination or late fees, and no repayment penalties. The application is also quick and simple. When the account is approved, the customer has access to funds within two business days when using direct deposit into the customer’s Citi account. Otherwise, the customer can receive the loan by mail within five business days. </p><p>This service does not offer co-applicants so the account holder cannot apply with a co-signer. </p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Personal Loans</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://banking.citi.com/lending/loans/personal-loans/onsite/default.htm"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Personal Loans</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU apr field"><div class="title">APR</div><div class="value">10.49% - 19.49%</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU loan-amount field"><div class="title">Loan amount</div><div class="value">Up to $30,000</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU term field"><div class="title">Term</div><div class="value">Up to 60 months</div></div></div></div></div></div><div class="section-3"></div></div></div><h2 id="citibank-mortgages">Citibank mortgages</h2><p>Citi has a promotional offer of $500 off closing costs, and there is also a special pricing for Citi customers which gives customers the benefit of a lower interest rate or a credit on closing costs.</p><p>Citi also offers a loan calculator to help you figure out what the monthly payments could be and how much you could potentially borrow based on your application. </p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Mortgages</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://www.citi.com/mortgage/home-mortgage"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Mortgages</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU apr field"><div class="title">APR</div><div class="value">6.5% to 6.8%</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU term field"><div class="title">Term</div><div class="value">15 year fixed & 30 year fixed</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU bonus field"><div class="title">Bonus</div><div class="value">Get a $500 credit toward your closing costs.</div></div></div></div></div></div><div class="section-3"></div></div></div><h2 id="citibank-credit-cards">Citibank credit cards</h2><p>Citi offers a variety of credit cards, ranging from balance transfer cards, rewards, cash back, travel, retail store, and small business credit cards.</p><p>For instance, its balance transfer cards include the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Citi Custom Cash(SM) Card" data-content="{*credit_card_id*:*4048250*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span>. This card does not have an annual fee and offers a low intro rate on balance transfers and new purchases. For the first 15 months, there is a 0% intro APR and after that period, the variable APR ranges from <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Citi Custom Cash(SM) Card" data-content="{*credit_card_id*:*4048250*,*field*:*reg_apr,reg_apr_type*,*api*:*cc*}">reg_apr,reg_apr_type</span></span>. The fee to transfer a balance from another credit card is $5 or 5% of the amount of each transfer, whichever amount is greater.</p><p>Its travel accounts include the Citi / AAdvantage Platinum Select World Elite Mastercard Credit Card, the American Airlines AAdvantage MileUp Mastercard Credit Card, the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Citi(R) / AAdvantage(R) Executive World Elite(TM) Mastercard(R)" data-content="{*credit_card_id*:*3004054*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span>, the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="CitiBusiness(R) / AAdvantage(R) Platinum Select(R) Mastercard(R)" data-content="{*credit_card_id*:*3004019*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> Credit Card, and the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Citi Premier(R) Card" data-content="{*credit_card_id*:*520083*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span>. </p><p>With each of these AA cards, card holders earn bonus miles with American Airlines after spending a specific amount required. The fees for each of these cards varies. For the Citi / AAdvantage Platinum Select World Elite Mastercard Credit Card, for instance, there is an annual fee of $99, which can be waived for the first twelve months. The APR ranges from 21.24% to 29.99%. The bonuses offered are 50,000 American Airlines AAdvantage bonus miles after $2,500 of spendings in purchases within three months once the credit card account has been opened.</p><p>The <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Citi Premier(R) Card" data-content="{*credit_card_id*:*520083*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> is not tied to American Airlines. This card offers three times the amount of points on air travels, hotels, supermarkets, and gas stations, and one time the amount of points on everything else. The annual fee for this card is $95 and the APR is 21.24% to 29.24%.</p><h2 id="citibank-business-banking">Citibank business banking</h2><p>For business banking, Citi offers small business accounts including checking, money market accounts and CDs. Citi also offers small business credit cards. </p><p>Its small business checking accounts include the Citibusiness Streamlined Checking, the Citibusiness Flexible Checking account, the Citibusiness Interest Checking account and the Citibusiness Analyzed checking account. Each of these accounts is tailored for businesses of different sizes, ranging from businesses that make fewer transactions to larger businesses with higher average balances and more transactions. </p><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 iYoUoX card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='200.4618937644342' width='560' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" data-src="/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" data-srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture><noscript><picture><source type="image/webp" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/c7f9b/citibank.webp 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/6a95a/citibank.webp 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/86b74/citibank.webp 433w" sizes="(min-width: 433px) 433px, 100vw"/><img data-gatsby-image-ssr="" title="Citi" data-main-image="" style="opacity:0" sizes="(min-width: 433px) 433px, 100vw" decoding="async" loading="lazy" src="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png" srcset="/web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/60e99/citibank.png 108w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/3169e/citibank.png 217w, /web/20240402170955im_/https://apnews.com/buyline-personal-finance/static/d6ea85a43b16d7cd0d814e30569d8412/ebbd6/citibank.png 433w" alt="Citi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Citibank Business Banking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240402170955/https://www.citi.com/small-business/banking"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Citibank Business Banking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU description field"><div class="title">Small Business Bank Accounts</div><div class="value">Business Checking, Business Money Market and Business CDs</div></div></div></div></div></div><div class="section-3"></div></div></div><h2 id="citibank-customer-experience">Citibank customer experience</h2><p>According to J.D. Power’s <a target="_blank" rel="nofollow" href="">2023 U.S. Retail Banking Advice Satisfaction Study</a>, Citi ranks second highest in customer satisfaction in regards to retail banking advice. Citi also ranks highly in regards to customer satisfaction with the financial health support provided by the bank.</p><p>Note that in November 2023, the <a target="_blank" rel="nofollow" href="">Consumer Financial Protection Bureau</a> ordered Citi to pay $25.9 million for intentional, illegal discrimination against Armenian Americans.</p><h2 id="how-does-citibank-compare">How does Citibank compare?</h2><h3>Citi vs. Chase</h3><p>Citi offers higher savings accounts APY and a slightly lower monthly fee. Citi’s APY is 0.03% and Chase’s is 0.01%. Citi’s monthly fee is $4.50 and Chase’s is $5. </p><p>As for its CDs, Citi offers higher interest rates as well and a lower minimum deposit. Chase’s minimum deposit is $1,000, whereas Citi’s is $500. </p><p>The strength of Chase is its national branch accessibility with locations all over the nation. Citi’s strength is the accessibility of its ATMs and its higher CD rates, along with the simplicity of its accounts. </p><h3>Citi vs. Bank of America</h3><p>For its checking accounts, Bank of America has higher fees for its simple checking account and a minimum opening deposit requirement of $25, whereas Citi does not have monthly fees or a minimum deposit requirement. If you’re looking for a bank with these benefits, then Bank of America could be a better choice.</p><p>When it comes to its savings accounts, however, Citi has higher APYs and lower monthly fees than Bank of America. Citi’s APY is 0.03% and its monthly fee is $4.50, which options to waive this fee, as of February, 2024. Bank of America has an APY of 0.01% and a monthly fee of $8.</p><p>Overall, Bank of America has more branches and Citibank has a larger ATM network. Citi’s strength is that it offers no overdraft fees and offers higher CD rates than Bank of America.</p><h3>Citi vs. U.S. Bank</h3><p>Both banks have pros and cons. Both have similar pros in that Citi offers simple savings, checking, and CD accounts, and U.S. Bank offers these same services, geared for beginners. </p><p>Citi strength is that Citi has a large ATM presence, whereas U.S. Bank is more regional, with its core presence in the U.S. West and Midwest.</p><p>U.S. Bank’s strength is that U.S. Bank has a flexible veteran option for mortgages and Citi does not. </p><h2 id="methodology">Methodology</h2><p>By employing this comprehensive review methodology, we aim to empower consumers like you to make informed decisions when choosing a consumer bank that aligns with your financial goals and preferences. We evaluate key factors such as interest rates, fees, minimum balance requirements, access to funds, and more to help you make informed decisions. Please note that our reviews are based on publicly available information, and we recommend verifying the latest details directly from the respective financial institutions.</p><h2 id="frequently-asked-questions-faqs">Frequently asked questions (FAQs)</h2><h3>Is Citi FDIC insured?</h3><p>Yes, Citi is insured by the Federal Deposit Insurance Corporation (FDIC). The bank states, “The funds in your Deposit Accounts 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.)”</p><h3>Is Citi a good or bad Bank?</h3><p>Citi is a good bank in that it has a wide variety of offerings for people in various stages of their banking journey. The bank also has high ratings for customer satisfaction, according to J.D. Power.</p><h3>Is Citi a good bank for beginners?</h3><p>Yes, Citi is a good bank for beginners. All of its services have at least one option for beginners. Their offerings are simple and flexible.</p><h3>Who owns the Citi?</h3><p>Citi is under Citigroup Inc, which is publicly traded in the New York Stock Exchange under the ticker “C.”</p></div><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><div class="MuiPaper-root text-block__Paper-sc-lt00f8-0 fmvTfJ text-block__TextBlock-sc-12no6m0-0 jcypzb MuiPaper-elevation0 MuiPaper-rounded"><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><p>AP Buyline’s content is created independently of The Associated Press newsroom. Our evaluations and opinions are not influenced by our advertising relationships, but we might earn commissions from our partners’ links in this content. Learn more about our policies and terms <a target="_self" rel="alternate" href="/web/20240402170955/https://apnews.com/buyline-personal-finance/about-us">here</a>.</p></div></div></div><div class="container___StyledDiv-sc-116bxdo-0 lfERGr"><div id="below-article-thumbnails"></div></div></div></main><aside class="default-layout__ASide-sc-whua08-0 QkLmA side"><div class="side___StyledDiv-sc-18lepe5-3 dkjpjF side__Side-sc-180ulng-0 hRHybn"><div class="side__Sticky-sc-18lepe5-1 imIZxk sticky-container"><div class="side___StyledTableOfContentsWithSep-sc-18lepe5-2 ja-DJYa"><hr class="article-utils__ArticleSeparator-sc-1qh72cb-0 gabZyd"/><div class="MuiPaper-root root table-of-contents__TableOfContents-sc-hbi86g-0 side__TableOfContents-sc-18lepe5-0 ccLTib cnTkgX MuiPaper-elevation0 MuiPaper-rounded"><h3 class="heading">Table Of Contents</h3><ul class="list"><li class="item"><a href="#" class="link top-item active">Citibank review 2024: Everything under one umbrella</a></li><li class="item"><a href="#in-a-nutshell" class="link">In a nutshell</a></li><li class="item"><a href="#citibank-checking" class="link">Citibank checking</a></li><li class="item"><a href="#citibank-savings" class="link">Citibank savings</a></li><li class="item"><a href="#citibank-certificates-of-deposit-cds" class="link">Citibank certificates of deposit (CDs)</a></li><li class="item"><a href="#citibank-personal-loans" class="link">Citibank personal loans</a></li><li class="item"><a href="#citibank-mortgages" class="link">Citibank mortgages</a></li><li class="item"><a href="#citibank-credit-cards" class="link">Citibank credit cards</a></li><li class="item"><a href="#citibank-business-banking" class="link">Citibank business banking</a></li><li class="item"><a href="#citibank-customer-experience" class="link">Citibank customer experience</a></li><li class="item"><a href="#how-does-citibank-compare" class="link">How does Citibank compare?</a></li><li class="item"><a href="#methodology" class="link">Methodology</a></li><li class="item"><a href="#frequently-asked-questions-faqs" class="link">Frequently asked questions (FAQs)</a></li></ul></div></div><hr class="article-utils__ArticleSeparator-sc-1qh72cb-0 dWICXx"/><div class="MuiPaper-root ArticleRelatedArticlesBlock___StyledPaper-sc-wwg80-1 hkCOCB MuiPaper-elevation0 MuiPaper-rounded"><div class="root ArticleRelatedArticlesBlock__RelatedArticlesBlock-sc-wwg80-0 VanKq"><h3 class="heading">Related Articles</h3><ul class="list"><li class="item"><a aria-label="banking" class="category___StyledLink-sc-yt2ez-11 cUJCFG root" href="/web/20240402170955/https://apnews.com/buyline-personal-finance/category/banking"></a><a class="link" href="/web/20240402170955/https://apnews.com/buyline-personal-finance/article/best-1-year-cd-rates">Best one-year CD rates for April 2024</a><div class="author author__AuthorBlock-sc-1p9suag-0 bSucnc"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">by </span><a 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