Citi

Overview / Commentary

www.citi.com

800-374-9700

388 Greenwich St.
New York, NY 10013

Citibank serves clients across the full spectrum of consumer banking needs. Citibank serves as a trusted advisor to its retail, wealth management and small business clients at every stage of their financial journey.

Here Is Another Nice Citi Bonus Offer - 7/24/2024

I found this Citi offer when I was surfing around earlier today. New checking customers may earn a cash bonus of $500 or $1,500 after opening an eligible checking account from 7/9/24 to 10/8/24 and completing required activities. If you also open and fund a new Citi® Savings Account, your balance can be held in your Checking Account or between your Checking Account AND your new Citi Savings Account to count toward the minimum requirement to earn a bonus.It's a pretty sweet deal for anyone that doesn't already have a Citi checking account or didn't already jump on the $300 checking account bonus late last month or earlier this month if you have that amount of liquid money available now. https://banking.citi.com/cbol/OM/checking/tiered/featured-offers/default.htm?venue=GoogleBR&BT_TX=1&...

$300 Checking Bonus - 6/23/2024

https://banking.citi.com/cbol/OM/checking/enhanced-direct-deposit-offer/default.htm?BT_TX=1&ProspectID=82D4E9E3AB574A84B07D031B73DE3A0B 6/11 Open 6/12 Fidelity $751 push 6/13 Fidelity $751 push 6/22 $300 Bonus

Citibank, N.A. (NY) Brokered CD Rates As Of 4/22/24 - 4/22/2024

Citibank brokered CD rates as of 4/22/2024: 6-month @ 5.30% (at maturity) 9-month @ 5.25% (at maturity) 12-month @ 5.15% (at maturity) 24-month @ 5.00% (semi-annual) Settlement dates 5/3/24. These are all available for purchase on 4/22 at Charles Schwab brokerage.

View all posts from:

2024
2023
2022
Earlier

7/24 - Here Is Another Nice Citi Bonus Offer
6/23 - $300 Checking Bonus
4/22 - Citibank, N.A. (NY) Brokered CD Rates As Of 4/22/24

12/20 - Citi lowers 3 CD rates & increases 1 CD rate
10/31 - Citi CD Rate Changes As Of 10-31-2023
10/4 - Citi Increases Their 11-Month CD From 0.05% To 5.05% On 10-3-2023
9/21 - Citibank Brokered CD's
9/12 - OSA and Multiple CD Rates Changed
2/8 - Citi Accelerate Savings Rate Increased To 3.85% APY
1/26 - Citi Increases 12-Month NP CD To 4.05% On 1-25-2023

11/26 - Citi HYSA And CD Rate Changes As Of 11-23-2022
11/1 - Citi - 12-Month No Penalty CD @ 3.10%
10/20 - Citi CD Rate Changes For 10-18-2022
8/31 - Citi Rate Changes As Of 8-31-2022
6/19 - Citi Drops Overdraft Fees
4/27 - $2500 SAVINGS BONUS

Reviews (135)

No Problems

Posted by: JtAlmond | Jul 23, 2024

I have two Citi credit cards and a savings account and I’ve never had any problems with them. They have a good online and mobile app experience. I’ve mistakenly overpaid my credit card balance a couple times..It’s easy to do but they will credit back to you when that happens. It appears you need to pay in full every month to keep your spending limit because I’m seeing users complaining about their balances being chased down the rabbit hole.. .Their customer service is bad they don’t speak English and read at you from a script.

Comment

Citi “Blocked” My Account

Posted by: jenniferjean_j | Feb 18, 2024

Citibank is unbelievable. So I deposited my settlement check with them last week. First everything was okay but when I tried to log into my account, it wasn’t letting me login so I called and they told me my account was on hold because they have to verify where the check came from so I didn’t worry. 3 days later I got inpatient because the hold was actually stopping me from using ANY money from my account, Not just the settlement that I deposited. So when I called, they told me to have my check issuer call Citibank and have them verify it that way, which I did, my check issuer called and confirmed everything then all of a sudden they told me over the phone that the check did in fact clear and verified! So I’m like “okay what now” now they’re saying that they’re going to try to cancel my account from closing because apparently when they couldn’t verify it at first they was about to close it my account!! So now the want me to wait next week and I should expect a call determining if my account will still be open or closed. And still I can’t access my own money until they call me NEXT WEEK I’m so pissed and confused with this bank.

WORST BANKING Experiences, With This Terrible Bank!

Posted by: SRG8562 | Sep 6, 2024

If you sign up for an account with this terrible bank, rest assured that you'll get what you deserve. It has the WORST phone menu I have ever encountered. It takes you around and around, in loops, and you NEVER get where you need to be. If, by some chance, you get to a live phone rep, best of luck understanding him/her. Of course you will have the fun experience of talking to people from all over the world, but you won't know what they're saying to you, so good luck with that.

I had a CD and Savings Account at this bank. Transferring money from the CD to another bank was a big hassle. Closing the savings account was ridiculous: They would only send me a paper check in "10 to 15 Business days!" WHAT??? I had another bank pull my money out. Oh, and do you like digital monthly statements, only? That didn't fly, for me: I emailed them, ticked the right boxes in my online account, called them, snail mailed them with return receipts, but......the paper statements kept coming.....for a year and a half! What bank operates this way? Well, THIS one does! AVOID AT ALL COSTS! You've been warned!

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Accelerate Savings Account Is Great With No Issues

Posted by: jjblue2 | Jan 19, 2023

I've had an Accelerate Savings account for a few years and never had a problem. The interest is almost always the highest out of the big national banks.

I've linked the account to several others I have, and ACH transfers work just fine. I sometimes use my account to pay my Citi credit cards. I've linked to Mint and Personal Capital, it updates regularly with no issues. Citi does not charge excess transaction fees for more than 6 transfers/withdrawals in a month. I did get an ATM card for my account, but I've never needed to use it.

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Health

B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7213
Year Established	1812
Employees	177763
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.82%
Return on Equity - YTD	8.41%
Annual Interest Income	$48.19B

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$1,678.9B$1,705.9B
Loans	Q2 2024vs Q2 2023	$638.4B$619.4B
Deposits	Q2 2024vs Q2 2023	$1,304.7B$1,337.9B
Equity Capital	Q2 2024vs Q2 2023	$166.1B$166.4B
Loan Loss Allowance	Q2 2024vs Q2 2023	$16.59B$15.81B
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$4.25B$3.78B
Real Estate Owned	Q2 2024vs Q2 2023	$18MM$19MM

APY	MIN	MAX	ACCOUNT NAME
4.65%^†	$0	-	6 Month CD
4.00%^†	$0	-	15 Month CD
3.75%^†	$0	-	9 Month CD
3.75%^†	$0	-	18 Month CD
3.00%^*^†	$100k^*	-	1 Year CD
OTHER TIERS: 2.00% → $0 - $100k
2.00%^†	$0	-	2 Year CD
2.00%^†	$0	-	3 Year CD
2.00%^†	$0	-	4 Year CD
2.00%^†	$0	-	5 Year CD
0.10%^†	$0	-	30 Month CD
0.10%^†	$0	-	13 Month CD
0.10%^†	$0	-	14 Month CD
0.10%^†	$0	-	30 Month Step Up CD
0.05%^†	$0	-	3 Month CD
0.05%^†	$0	-	4 Month CD
0.05%^†	$0	-	5 Month CD
0.05%^†	$0	-	7 Month CD
0.05%^†	$0	-	8 Month CD
0.05%^†	$0	-	10 Month CD
0.05%^†	$0	-	11 Month CD
0.05%^†	$0	-	12 Month No Penalty CD

Citi

Related Posts

No Problems

Citi “Blocked” My Account

WORST BANKING Experiences, With This Terrible Bank!

Accelerate Savings Account Is Great With No Issues

Data as of Q2 2024

Health Grade Components

Citi Savings Account Rates

Citi CD Rates

Availability

New York Area