Citi® Checking Accounts

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Citi is one of the largest banks in the U.S., with $1.70 trillion in assets. Together with JPMorgan Chase, Bank of America and Wells Fargo, it is considered one of the Big Four banks.

When you open a checking account with Citi, you’ll gain access to 65,000-plus ATMs across the U.S. and online banking services like mobile deposit and Zelle through the Citi mobile app. Citi checking accounts also have no overdraft or returned item fees, which can save you hundreds of dollars if you are the type of person who regularly lets your account run in the red.

Citi Checking Accounts

Citi offers two regular checking accounts and three relationship tiers. Let’s explore the options, fees and requirements for each. Citi checking accounts do not require a minimum opening deposit.

When you open an Access Checking or Regular Checking account between now and Oct. 8 as a new checking customer with Citi, you can earn $300 when you complete the qualifying activities. To earn the cash, you must have at least two Enhanced Direct Deposits within 90 calendar days from opening the account, totaling at least $1,500 or more combined. The funds will be deposited into your account within 30 calendar days after you complete the activities.

Citi also has other promotions going on for relationship tier clients and credit card customers.

Additionally, Citi offers four different business checking accounts for small businesses up to enterprise-level customers.

Citi Access Checking Account

Citi Access Checking was rated as a certified low-cost account by the Bank On National Account Standards. This checkless bank account has no overdraft or returned item fees, but certain transactions won’t be authorized if it would cause you to exceed your available balance. This can help you learn to manage your money better without falling behind. There is no minimum deposit required to open an account, although you must fund the account within 90 days.

Fees

• Monthly service fees: See the Citi website for details on monthly fees.
• ATM fees: You’ll pay a $2.50 fee if you use a non-Citi ATM.

Citi Regular Checking Account

Citi’s regular, everyday checking account offers unlimited check-writing capabilities with no fee, along with all the benefits of an Access Checking account. Citi never charges overdraft or returned item fees, although the bank may decline transactions that would put your account in overdraft without warning or cause.

Fees

• Monthly service fees: See the Citi website for details on monthly fees.
• ATM fees: The $2.50 fee for non-Citi ATMs is waived with $250-plus in Enhanced Direct Deposits.

Citi Priority Relationship Tier

Citi Priority is the first level of what Citi calls relationship tiers, or accounts provided to customers with high combined account balances. To qualify for Citi Priority, you must maintain a combined average monthly balance of $30,000 to $199,999.99 in combined Citi deposit accounts.

Citi Priority gives you access to higher savings account interest rates and complimentary financial checkups from a Citi Personal Wealth Management professional.

Fees

• Monthly service fees: See the Citi website for details on monthly fees.
• ATM fees: The Citi Priority relationship tier does not have Citi fees for using non-Citi ATMs domestically.

Citigold® Relationship Tier

Citigold® is Citi’s premium banking service for customers with a combined average monthly account balance of $200,000 up to just under $1 million. Gain access to a dedicated Citi Personal Wealth Management team, plus enjoy unlimited reimbursement of fees for non-Citi ATMs across the world. You can also take advantage of up to $200 cash back annually on subscriptions like Costco, Hulu, Amazon Prime, Spotify Premium, Global Entry and TSA PreCheck.

Fees

• Monthly service fees: See the Citi website for details on monthly fees.
• Other fees: There are no wire transfer fees or ATM fees associated with the Citigold® relationship tier.

Citigold® Private Client Relationship Tier

If you have a combined average monthly balance of more than $1 million, you qualify for Citi’s top relationship tier. Earn up to $400 cash back on subscriptions annually, and gain access to advanced wealth planning from Citi professionals. This relationship tier comes with higher limits for mobile check deposits and ATM cash withdrawals, too.

Fees

• Monthly service fees: See the Citi website for details on monthly fees.

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