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Citi is today’s pre-eminent financial services company, with some 200 million customer accounts in more than 100 countries. Their history dates back to the founding of Citibank in 1812, Bank Handlowy in 1870, Smith Barney in 1873, Banamex in 1884, and Salomon Brothers in 1910.
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Citigroup Q4 Earnings & My Review For Future Deposit Rate Insights (Forum) - 1/17/2012
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Citibank Arrests Customers For Trying To Close Accounts (Forum) - 10/17/2011
NEW YORK - Customers of Citibank were arrested over the weekend after trying to close down their bank accounts. Twenty-three customers of Citibank allegedly found themselves under arrest after being locked in the bank at 555 La Guardia Place, New York b
Now Citibank Reveals It Will Charge Customers $20 If They Have Too Low An Account Balance (Forum) - 10/4/2011
- Mid-tier checking accounts will see main changes. - Citi will charge $20 a month on these accounts starting in December. - Customers with combined balances of $15,000 or more exempt from new fees. - Announcement comes after Bank of America Corp sa
Citibank Adds Money-Tracking Tools To Online Banking (Forum) - 10/4/2011
From the New York Times Bucks Blog Citibank on Monday introduced an updated online banking site with new financial management tools, in the mode of money-tracking Web sites like Mint.com and Learnvest.com.
2011
- 9/19 - Larger Checking Account Fees at Citi, But Bonuses Continue
- 9/16 - Citibank To Raise Monthly Fees On Checking Accounts (Forum)
- 6/9 - Citibank Security Breach (Forum)
- 4/5 - Citibank Will Minimize Overdraft Fees On Checks (Forum)
- 2/3 - $125 Citibank Checking Account Promotion - YMMV (Forum)
2010
- 11/24 - Free Checking Accounts Requiring More Work at the Mega Banks
- 10/9 - Tax On The CD Opened In 2009 With The Citi Secured Credit Card (Forum)
- 9/22 - $250 Prepaid Gift Card with Citibank Business Checking Account (Forum)
- 9/17 - Citibank Checking/Savings Account Promo with up to 40,000 ThankYou Points
- 9/1 - Citibank To Reduce Fees On Checking Accounts (Forum)
- 8/17 - Excessive Withdrawal Fees from Bank of America, Citi, Wells Fargo and Ally
- 7/26 - Citibank Checking Account Bonus Of $200 Or $400 In Los Angeles Area (Forum)
- 7/22 - Free Checking For Certain Citibank Customers (Forum)
- 6/28 - Making The Most Out Of Citi's Thank You Network Points (Forum)
- 5/18 - Citibank 5% Cash Back Debit Card Promotion (Forum)
- 2/24 - No More Cash Back When Funding Citibank Accounts with a Credit Card? (Forum)
- 2/23 - Citibank's New 7-Day Rule for Withdrawals? (Forum)
- 2/23 - $100 Citibank Checking Account Bonus (Forum)
- 2/22 - Update on Citi's 4.07% 18-Month Secured MasterCard CD (Forum)
- 2/21 - This Bank Appears To Be Heading In An Unfriendly Direction (Forum)
- 2/10 - $25 Bonus for Opening Citibank Ultimate Savings Account (Forum)
- 2/2 - When 'free checking' isn't free [CNNMoney] (Forum)
- 1/26 - Citibank Checking Bonus of 20,000 ThankYou Points [SD] (Forum)
2009
- 12/22 - Update on the 4.07% 18-Month CD ($25K Max) at Citibank via its Secured MasterCard Program
- 9/18 - 4.07% 18-Month CD ($25K Max) Continues at Citibank via its Secured MasterCard Program
- 9/2 - Update on Citibank's CDs - Branch Specials & Secured MasterCard CD - Update
- 8/26 - Update on Citibank's CDs - Branch Specials & Secured MasterCard CD
- 8/18 - Update on Citibank's CD Specials - 4.00% 60-Month CD Continues in Some States
- 8/6 - 4.07% 18-Month CD ($25K Max) at Citibank - Nationally Available
- 7/15 - 4.00% 60-Month CD & 2.50% 24-Month CD at Citibank in Some States
- 4/1 - Update on Citibank CD Specials - 2.50% 8-Month CD in a Few States
- 3/29 - Citibank CD Specials - 2.50% 8-month in CA & 2.75% 12-month in TX
- 1/28 - Citibank's Checking, Money Market and Credit Card Promotion
2008
- 12/21 - $25 Bonus at Citibank for Opening the Ultimate Savings Account - Update
- 11/24 - Unlimited FDIC Coverage for Citibank Checking Accounts
- 10/7 - $25 Bonus at Citibank for Opening the Ultimate Savings Account
- 9/30 - Citibank Raises Yields: 3.50% Savings Account, 4.00% 6-Month CD
- 9/29 - Citigroup to Acquire Wachovia's Banking Operations with Help from the Feds
- 9/8 - Citibank Specials: 4.00% 6-Month CD in CA and NV, 3.75% MMA in TX
- 9/5 - $100 Checking Account Bonus at Citibank
- 5/29 - $150 Citibank Checking Account Bonus
- 5/13 - New $200 Citibank Checking Account Promotion
- 4/4 - Citibank Checking and Savings Account Promotions
- 4/2 - More Rate Cuts - Savings, Checking and Reward Checking Accounts
- 3/11 - Savings Account Rate Cuts by Countrywide, ING Direct and Citibank
- 1/29 - More Falling Savings Account and CD Rates
See Rates for: Checking | Savings | Money Market | CD
Citibank Checking Account Rates
| Apy | Min | Max | Product | |
| 0.10%† | $500 | - | Citigold Interest Checking | |
| Start SavingSponsored Note: Open an eligible Citibank checking account and you can get up to $400 in gift cards. | ||||
| 0.01%† | $100 | - | Interest Checking Account | |
| Start SavingSponsored Note: Open an eligible Citibank checking account and you can get up to $400 in gift cards. | ||||
Citibank Savings Account Rates
Citibank Money Market Rates
Citibank CD Rates
| Apy | Min | Max | Product | |
| 1.01%† | $1k | - | 5 Year CD | |
| 0.75%† | $1k | - | 4 Year CD | |
| 0.50%† | $1k | - | 3 Year CD | |
| 0.35%† | $1k | - | 30 Month CD | |
| 0.30%† | $1k | - | 2 Year CD | |
| 0.25%† | $1k | - | 8 Month CD | |
| 0.25%† | $1k | - | 9 Month CD | |
| 0.25%† | $1k | - | 10 Month CD | |
| 0.25%† | $1k | - | 1 Year CD | |
| 0.25%† | $1k | - | 18 Month CD | |
| 0.25%† | $1k | - | 13 Month CD | |
| 0.20%† | $1k | - | 7 Month CD | |
| 0.15%† | $1k | - | 3 Month CD | |
| 0.15%† | $1k | - | 4 Month CD | |
| 0.15%† | $1k | - | 5 Month CD | |
| 0.15%† | $1k | - | 6 Month CD | |
| 0.10%† | $1k | - | Option CD |
Rates updated: 5/27/2012
Data for Q1 2012
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Fair Weather Bank
- josephz - Tuesday, March 29, 2011 - 8:58 AMCitibank should be boycotted because of their high interest rates, absurd fees and and complete lack of regard for their clients. They will ruin the credit of customers in EXCELLENT standing, by making decisions that they refuse to justify. I am totally fed up with this poor excuse for a bank and the incompetent management who took billions in bailout money, and paid huge bonuses to the executive buffoons, when they should have been left to crumble. And now they continue to turn their backs on clients. Thats what the goverment should have done to them, and hold senior management criminally responsible.
5
High Fees And Fasle Promises
- carmel - Sunday, November 7, 2010 - 12:47 PMNormal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 Fees if you don't maintain a high balance.
Fees to use ATMs. Citi hardly owns any ATMs; I don't understand how they can get away without reimbursing the ATM fees.
Fees to get checks.Fees for everything you ask.
Promises bonuses like $100 or $200 to open account, but you need to go through a million hops to satisfy the requirements, wait 6 months and then if you are lucky you may receive the promised bonus. 99% of the time, you need to be behind them after the 6 month period is over to get anywhere with those promised bonuses.
Rates suck, any credit union rates are much better.
Credit card department is different from banking department and they don’t care about each other. It feels like you are dealing with two different banks even though they are the same.
5
STAY AWAY FROM CITIBANK THANK YOU POINT PROMOTIONS!!!
- JET_TRACER - Wednesday, November 9, 2011 - 12:34 PMAVOID CITI PROMOTIONS AT ALL COSTS!
I AM SOOOO FRUSTRATED I'M READY TO GO POSTAL ON THEIR MARKETING DEPARTMENT! I JUST FOUND OUT THAT AFTER GOING THROUGH THE HEADACHE OF APPLYING FOR CHECKING ACCOUNT (WHICH WAS A NIGHTMARE PROCEDURE EVEN THOUGH IT WAS ONLINE), AND DOING EVERYTHING THE THANK YOU POINT PROMOTION REQUIRED, THERE IS "FINE PRINT" WHICH WAS NOT EVEN PRINTED!!!!! E.G. YOU'LL HAVE TO WAIT 90 DAYS AFTER MEETING ALL THEIR REQUIREMENTS!!!!
I'M PULLING MY HAIR OUT!!!!!!!!!!
TO MAKE THINGS WORSE, I JUST GOT A LETTER IN THE MAIL THAT THE BANK HAS "MADE SOME CHANGES" WHICH WILL MEAN I'LL HAVE TO DISH OUT $20/MONTH UNLESS I MAGICALLY COME UP WITH $15,000 COMBINED DEPOSIT.
OK, NO PROBLEM, LET'S CALL AND SEE IF THEY HAVE A DIFFERENT PRODUCT THAT WILL NOT REQUIRE THIS MIN. DEPOSIT.... YES, THEY DO. OK, LET'S SWITCH. WAIT... IF YOU SWITCH, YOU'LL LOSE THE OPPORTUNITY TO GET THOSE THANK YOU POINTS, EVEN THOUGH I JUMPED THROUGH ALL THE HOOPS THEY SET UP!!!!
3
Horrible Bank!!!
- love_senia - Thursday, March 1, 2012 - 9:29 PMI will start by saying, i would give zero stars if i could. This is the worst bank with the worst customer service, down at the bottom of the list along with BOA. Dont even think about joining Citi unless you want to here that there is nothing they can do at the moment. I have beenput up with Citibank for 6 years and I am done. Chase bank is now 1 person greater. I posted a recent conversation i had with a rep so see for yourself. They dont even know the answer so they feed you crap.
Moises: Welcome to Citibank's Online Chat. My name is Moises. It is an honor to assist you today!
YEZENIA: Thank you, I am online to view my bank statements from Feb 2011 to October 2011 and i requested them yesterday. It then stated they would be available the next day and they are not. Can you help me?
Moises: I am sorry to hear that. I will be happy to assist you.
Moises: Did you go to the account section?
YEZENIA: Account section then statements
Moises: Correct.
YEZENIA: Yes, and they are not available.
Moises: Does it have a Message saying why>
Moises: ?
YEZENIA: No it simply shows the statements that are available which i already downloaded however the ones that i need are now telling me, once again, that they will be available the following day, tomorrow
Moises: I am sorry about that, you can request form them again, I can also do it for you however we will have to wait for them either way. I apologize for any inconvenience this may have caused you.
YEZENIA: Okay, well I need them today which is why was happy that it said yesterday that they would be available the next day. What other way am i able to request them because if the message stated when I would receive them then your company must follow the information given to me.
Moises: I am sorry if they are more than 90 days old there is a 24 waiting period on either end.
YEZENIA: Okay and does your message state that? No. The message stated that following: ordered for next business day. With that said they should be accessible at this point.
Moises: It is possible that the system had a glitch and the statements were lost. I apologize about this inconvenience. They would have to be reordered.
YEZENIA: If i did not need them i wouldn't mind wwaiting another day, but when I am told something by a company then I expect it to be done as said. A glitch is not my problem, that fault is on citi. I need my statements as i said when i was told they would be available which is today.
Moises: I am sorry about that. I can request that they be mailed out to you as soon as possible. I can waive the shipping fee.
YEZENIA: Do you realize that mailing something takes a longer process? There must be a way for them to be emailed or faxed over even if it is not your protocol to do so. There was an error on your company's end and i should be provided with my request by your company in any way possible if your ccompany cares.
Moises: What time did you order the statements?
Moises: If the order was placed after 8 ET it will take longer since it was past the cut off time.
YEZENIA: I am not sure of the exact time, after 5:30 PM PST, so most likely around 6PM.
Moises: 8PM
Moises: That is 830 PM ET
Moises: The statements will be available for you to view by tomorrow.
YEZENIA: Okay, now where on your page does it state that?
Moises: When you place the action it is stated on the fine print at the bottom of the conformation window.
YEZENIA: NO, there is no fineprint except terms and conditions, I read fine print if it is available and its not. I actually just requested it again just to make sure so the statement you just made to me is false.
Moises: I am sorry about that. I know changes have been made to the site. I have looked up the cut off time in our systems and the cut off time is 8PM ET.
Moises: The statement will be available tomorrow. If you requested it again just now it will not be available until Monday. Saturday and Sunday are Non Working Business days.
Moises: When you send a request some ones has to go and physically pull the files up. They leave at 7pm CT 8pm ET.
Moises: If the order was placed after that time they will not get the request until the next day Thursday, making it available on Friday.
YEZENIA: and that is my problem that changes have been made? It did not say it yesterday either so like i said before that is your company's fault. There is a very basic statement given which i already told you about and i simply want what is rightfully mine. My request was made and a response was given so I expect it to be completed as i was told.
YEZENIA: Im sure there are plenty of supervisors working with you, or at least someone with enough common sence to know how to pull up files and send them to me.
Moises: We can not pull them up.
Moises: Not even a supervisor.
Moises: The statements will be available to view tomorrow.
YEZENIA: So what is the point of your supervisors? To litterally watch their employees of citi bank tell their customers tat there is nothing else you can do? I have heard that plenty of times from your company. I want my files that i was told would be available today.
Moises: Some one has to pull them out of the archives. That takes 24 hours. Today the order was processed and will be fulfilled by displaying them by tomorrow.
Moises: The order was placed after the cut off time.
Moises: It is out of our hands.
Moises: It was just processed today and will be delivered by tomorrow.
Moises: They will be available by 6 am ET.
Moises: That would be 3 am your time.
YEZENIA: You just stated earlier: Moises: The statement will be available tomorrow. If you requested it again just now it will not be available until Monday. Saturday and Sunday are Non Working Business days. and you knowing i just requested it again are telling me tomorrow? I feel that you have no knowledge of what you are even saying.
Moises: The original request is still going to be fulfilled. They will be delivered tomorrow. The statements requested only have a 1 day life span after that they are deleted. The second request will be fulfilled by Monday if you do not check them by tomorrow.
YEZENIA: Whatever, I am not going to keep trying to get them from you, apparently they hire the best people full of crap to tell their customers, just like the phone reps do when i have called about issues with my account. Thanks for wasting my time and have fun getting paid to tell everyone that you cant assist them.
Moises: I am sorry you feel that way. They will be there tomorrow. Can I help you with anything else?
YEZENIA: Yes, let your supervisor know that this chat will be posted on your reviews so everyone thinking about joining citibank will think again.
2
Citi's Offers And Promos Are Confusing.
- Critic - Monday, August 29, 2011 - 10:53 PMI've heard of many "scary" stories of Citi offers and promos gone wrong. Occasionally, I've been victimized by these myself too much more than other banks. I'm closing my Citibank.
For example, last night I only wanted to add my new Citi Platinum Select Mastercard on CitiCards.com, then I ended up losing 2 favorite login or user id because Citibank confused and lured me to link my CitiCards account to my Citibank checking account - rendering my old credit cards access - non-functional.
Beware of Citibank's confusing offers and promos. You may end-up like me who spent about 2 hours fixing the mess and losing 2 favorite CitiCards logins just because I want to add my new Mastercard to my existing web access.
2
| Vote: 0 | $665 in airfare or $500 in other items with Citi ThankYou Premier OfferCredit CardItemTravel | View Promo Details » |
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Citibank Is Only Ok For Credit Cards
Citibank accounts are just not that great. They have lots of fees; they require large balances such as 1500 or 6000 or 10000 or 100000 to avoid ridiculous monthly service fees. Plus, they still charge you for wires, official bank checks, and to use a non-Citibank ATM without any reimbursements of non-Citi ATM fees. Plus, I find that everytime I call customer service reps, even for more banking questions and issues, are outsourced to India. They do not help. I had to go to my branch bank and have them go through some internal callings to follow up on banking issues.
Their credit cards are ok. The thankyou network is ok. Sometimes the thankyou points to gift card conversions is not 1-1, more like 0.833:1