Citi

Overview / Commentary

online.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.

Citi Offering 0%Apr On Purchases Made Through Next Spring…Impact On Credit? - 6/12/2021

For those credit score “junkies” out there…a targeted offer from Citi for my credit card has a big zero on interest on “balance” payments made each month on those qualified purchases through a set date next year. Seems to me as a straight forward installment type purchase and could be useful rather than paying entire card balance off each month which has been the norm Q…is this good/bad/neutral to one’s credit score(s)? Thanks

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2021
2020
2019
Earlier

6/12 - Citi Offering 0%Apr On Purchases Made Through Next Spring…Impact On Credit?

12/15 - Citi Accelerate Savings Drops To 0.50% APY
8/18 - Business Account: Up To $2,000 For Up To $200K For 60 Days
4/13 - Citibank Unresponsive
1/30 - Citi - Offers Cash Bonus For New Checking/Savings Accounts

12/12 - Citi Accelerate Savings @2.05% APY Is NOT Available In FL

Reviews (198)

I Got My $700-Comment Is From 10/12/21

Posted by: Buckeyes | Aug 5, 2019

Had to call a rep, who seemed annoyed, but she did her job and filed a "dispute" on my behalf which worked. The bonus shoukld have been paid in Sep but wasn't.

My question is, can I now bring my 50K back so I can get an actual interest rate without penalty? Or will this threaten the bonus. Anyone know? I really no longer see a use for this account. .1% interest has been getting me $4 a month interest. But i don't want get into a monthly fee situation. So can I just zero out the account?

Thanks.

Caution On Bonus's

Posted by: sheldonagibbs | Dec 11, 2020

Look carefully if you are going after one of their many bonus's After you have satisfied all the requirements, on the $700 bonus, they have up to 90 days to actually credit you with the bonus. I am waiting right now.

Comment

Do Not Bank With Citi!!!!

Posted by: sharon1212 | Oct 13, 2021

Lets start of with a general review on their service -
Customer service - One of the worst. The workers I've experienced just weren't nice or helpful, and gave me so much attitude.
Their app is pretty good, but again, if you run into an issue, you'll need customer service which sucks.
The reason I switched from this bank is because I found out that Citi invests millions of dollars into fossil fuels, which destroys our planets climate. They're using our money for these dirty investments, and we don't even know it! Just recently I found an article on all these big banks using our money for dirty investments.

Comment

Any Negative Word You Can Think Of

Posted by: xolani76 | Oct 22, 2021

Any negative word you can think of, will describe this awful bank and experience. They really need to go out of business at this point. Do not change your phone number. Don’t try to purchase anything online that costs a large amount. They will find every little reason to lock your card and put your entire account under review over a phone number change. I understand security measures and fraud prevention at banks, but Citibank goes way beyond with their security that it’s an inconvenience to use the account. You’ll never know when your card or account may be locked..cause they won’t notify you. And they may send you a letter which you will have no access to your account until you receive a letter 7 days later. They have POOR customer service, and will talk over you and hang up on you.They act like they can’t comprehend, and the representatives have nasty attitudes.I swear I hate this bank! If I can give them NEGATIVE 1 million thumbs down emojis, that would be there rating. They don’t deserve 1 star.. Garbage ass bank

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Health

Data as of Q3 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7213
Year Established	1812
Employees	175137
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	12.78%
Annual Interest Income	$31.07B

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$1,703.9B$1,648.7B
Loans	Q3 2021vs Q3 2020	$635.4B$616.5B
Deposits	Q3 2021vs Q3 2020	$1,366.2B$1,272.9B
Equity Capital	Q3 2021vs Q3 2020	$165.1B$154.5B
Loan Loss Allowance	Q3 2021vs Q3 2020	$16.07B$23.31B
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$4.69B$6.09B
Real Estate Owned	Q3 2021vs Q3 2020	$14.0MM$32.0MM

Rates

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Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not Citi; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Citi Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^†	$1	-	Citi Accelerate Savings

Citi Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*^†	$25k^*	-	Citi Elevate
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k
0.03%^†	$200k	-	Citigold®
0.01%^†	$50k	-	Citi Priority

Citi CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^†	$1k	-	7 Month CD
0.15%^†	$1k	-	5 Year CD
0.10%^†	$1k	-	1 Year CD
0.10%^†	$1k	-	18 Month CD
0.10%^†	$1k	-	2 Year CD
0.10%^†	$1k	-	30 Month CD
0.10%^†	$1k	-	3 Year CD
0.10%^†	$1k	-	4 Year CD
0.10%^†	$1k	-	13 Month CD
0.10%^†	$1k	-	14 Month CD
0.10%^†	$1k	-	15 Month CD
0.10%^†	$500	-	30 Month Step Up CD
0.05%^†	$1k	-	3 Month CD
0.05%^†	$1k	-	4 Month CD
0.05%^†	$1k	-	5 Month CD
0.05%^†	$1k	-	6 Month CD
0.05%^†	$1k	-	8 Month CD
0.05%^†	$1k	-	9 Month CD
0.05%^†	$1k	-	10 Month CD
0.05%^†	$1k	-	11 Month CD
0.05%^†	$500	-	12 Month No Penalty CD