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The Basics
A $100.00 deposit is required to open this account.
The Monthly Service Fee of $7.50 can be waived by maintaining an minimum combined daily balance of $1,500.00 in your Checking, Day-to-Day Savings, Money Market accounts and CDs. (For all states other than NY, NJ, CT, DE, MA, PA and TX, the monthly service fee is $9.50/mo.)
Debit Cards & Using ATMs
Citibank offers the 'AAdvantage Debit Card Reward Plan', which allows you to earn points for airmiles with American Airlines. There are two versions of this rewards program--one for $25 a year and another for $65 a year. This account also includes 'Thank You Rewards Network' program to earn points for gifts and other items. There is no annual fee for this card.
This account includes rebates of ATM fees when you use non-affiliated ATMs with the following limits:
- Up to $5.00 total in rebates per month.
- Up to $5.00 total in rebates per month.
Rebates are credited to your account at the end of the statement cycle.
To qualify, you must:
- Have opened your account online.
- Live in a county in which there are no Citibank branches.
- Have met the same balance requirements to waive the monthly service fee in the previous month.
- Have opened your account online.
- Live in a county in which there are no Citibank branches.
- Have met the same balance requirements to waive the monthly service fee in the previous month.
There is a $1.50 fee each time you use a non-affiliated ATM.
In all areas except CA, NV, and NYC, Citibank will not charge you for your first 5 non-Citibank withdrawals each month.
There is a $1.50 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Bill Payment Alerts.
- Check presented and check tracking Alerts.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Bill Payment Alerts.
- Check presented and check tracking Alerts.
Online Billpay
Free
This institution supports:
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
- A text message service to alert you for certain account activity.
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
- A text message service to alert you for certain account activity.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken and MS Money. There is a fee of $9.95 per month for this feature.
Checks & Statements
Overdrawing the Account
The Insufficient Funds Fee is $34.00 per overdraft.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account ("Safety Check") or a linked Overdraft Line of Credit ("Checking Plus"):
- Transfer fee of $10.00. The transfer fee is charged each day an overdraft transfer is made.
- Funds are transferred in fixed increments of $100.00.
- Transfer fee of $10.00. The transfer fee is charged each day an overdraft transfer is made.
- Funds are transferred in fixed increments of $100.00.
Savings and Money Market Accounts
'Ultimate Savings' requires $100.00 to open and $0.00 to earn interest.
This account must be opened online or over the phone to earn the listed interest.
Current APY Information:
- 0.80% at minimum balance to earn interest;
- 0.80% at minimum balance to avoid fees;
- 0.80% at $25,000.00
- 0.80% at minimum balance to earn interest;
- 0.80% at minimum balance to avoid fees;
- 0.80% at $25,000.00
'Day to Day Savings' requires $100.00 to open and $0.00 to earn interest.
This account must be opened online or over the phone to earn the listed interest.
Current APY Information:
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.25% at $25,000.00
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.25% at $25,000.00
The account has a monthly service fee of $4.50. This fee can be waived if you maintain a minimum balance of $500.00.
How To Open E-Z Checking
Go to Citibank On The Web
Call Citibank On The Phone
1-800-374-9700
Visit The Closest Branch
Citibank
401 West 42nd Street
New York, New York 10036
401 West 42nd Street
New York, New York 10036
How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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