Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
Maintain a combined average monthly balance of $30,000+ in eligible linked deposit, retirement and investment accounts.
$30.00
Annual Percentage Yield (APY)
The account earns 0.01% interest.
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Debit Card with Rewards
Ability to earn a higher level of Citi Thank You Rewards Points offered for a checking relationship
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all 7-11 Network ATM locations in the U.S as well as MoneyPass Networks and Publix Super Markets
Yes
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, receive alerts;- 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.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPod touch, and Android mobile application.
Free
Person-to-Person Payments
PopMoney
Free
Email Alerts
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 Alerts, Check Tracking Alerts.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Returned Item Fee
$34.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection:- Checking Plus Line of Credit that transfers money in $100 increments from a line of credit you open to your checking account.- Safety Check, a service which links your money market or savings account.Both options are free to use for Citigold account holders.