Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
The Monthly Service Fee of $30.00 can be waived by;- Maintaining a minimum combined average balance of $50,000.00 in deposit or retirement accounts;- Having a combined average balance of $100,000 in deposit, credit, investment and retirement accounts excluding first mortgage;- Or having a combined balance of $100,000.00 in deposits, retirement balances, investments, credit cards/lines, and in 1st Mortgage.
$30.00
Annual Percentage Yield (APY)
The account earns 0.01% interest.
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Thank You Rewards Network
This account includes 'Thank You Rewards Network' program to earn points for gifts and other items. There is no annual fee for this card.
$0.00/yr
ATM Fee Reimbursements
Unlimited refunds on other bank fees
Yes
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
The international ATM fee is waived for this account.
$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 payment and check tracking Alerts.
Included with Online Banking
Automated Phone Banking
Citibank offers with this account an exclusive 24/7 toll-free customer service number.
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free standard checkbook orders for the life of the account.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 18 months.
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.