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800-374-9700
701 East 60th Street North
Sioux Falls, SD 57104

CitiBank is one of the world’s largest financial institutions, with over a trillion dollars worth of assets. It features a wide scope of business operations, from small business and commercial banking, to credit cards and investment vehicles. Its personal banking options feature standard products like checking, savings, and money market accounts, as well as certificates of deposits. The bank also features services that are unique to CitiBank and offer customers intuitive means of managing their deposit accounts.

CitiBank’s checking account offerings differ by account requirements and benefits. It has a student account that has no monthly fees and comes free ATM use, and its premium account offers free financial advice from a CitiBank expert. Each checking account is part of the bank’s reward program that offers ways for customers to earn points that can be redeemed for various merchandise or travel rewards. CitiBank’s savings account options feature a basic savings account with no monthly fees when a minimum daily balance is kept, and a money market account that offers increased rates of interest as the account balance grows. CDs and IRA CDs give customers guaranteed interest rates and are available in term lengths from 3 months to 5 years. CitiBank regularly features special offers connected to various deposit accounts, from bonus reward points to cash back incentives.

CitiBank online banking is free and makes account management easy for customers. From bill payment to money transfers to account alerts, Citi’s Internet banking platform offers great functionality. Its smartphone and tablet apps make banking on the go convenient and offer nice user interfaces. Citi’s sophisticated financial tools also provide a means for customers to analyze expenses, create budgets, track their net worth, and set bill reminders. The bank operates its own ATM network of over 26,000 ATMs located across the United States and in 40 countries.

CitiBank has more than 200 years of history behind its name, being originally established in New York City as the First National City Bank in 1812. It is a subsidiary of CitiGroup, which is a company that operates numerous trusts and funds under its umbrella. The bank changed its name to CitiBank in 1976 moved to its current headquarters in Sioux Falls, South Dakota in 2011.

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CREDIT CARD - 1/24/2016

I recently opened a 2% cash back credit card with CITI. I put my Comcast, electric bill, heating bill, and car, house, personal liability and other insurance on this card along with any other things that have a 1% cash back on my other credit cards.  They, as others do, will mail me my statement and debit the full amount each month from my checking account. So far, as with my other cards it has worked without a hitch. It was easy to open and everything ran smoothly. The card came within a few days.  This is just a way to double the amount I would have received on some of the things  on other cards out there. I still get the 5% off my gasoline with Pen Fed.  I also like that so far the cash back on credit cards is not taxable and or the amounts are not added into the MAGI.

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9/13/12 - Review of the Latest Citibank Checking Account Bonuses and Fees
7/9/12 - Citibank Aadvantage Bonus Miles For New Ckg
1/17/12 - Citigroup Q4 Earnings & My Review For Future Deposit Rate Insights
10/17/11 - Citibank Arrests Customers For Trying To Close Accounts
10/4/11 - Now Citibank Reveals It Will Charge Customers $20 If They Have Too Low An Account Balance
10/4/11 - Citibank Adds Money-Tracking Tools To Online Banking
9/19/11 - Larger Checking Account Fees at Citi, But Bonuses Continue
9/16/11 - Citibank To Raise Monthly Fees On Checking Accounts
6/9/11 - Citibank Security Breach
4/5/11 - Citibank Will Minimize Overdraft Fees On Checks
2/3/11 - $125 Citibank Checking Account Promotion - YMMV
11/24/10 - Free Checking Accounts Requiring More Work at the Mega Banks
10/9/10 - Tax On The CD Opened In 2009 With The Citi Secured Credit Card
9/22/10 - $250 Prepaid Gift Card with Citibank Business Checking Account
9/17/10 - Citibank Checking/Savings Account Promo with up to 40,000 ThankYou Points
9/1/10 - Citibank To Reduce Fees On Checking Accounts
8/17/10 - Excessive Withdrawal Fees from Bank of America, Citi, Wells Fargo and Ally
7/26/10 - Citibank Checking Account Bonus Of $200 Or $400 In Los Angeles Area
7/22/10 - Free Checking For Certain Citibank Customers
6/28/10 - Making The Most Out Of Citi's Thank You Network Points
5/18/10 - Citibank 5% Cash Back Debit Card Promotion
2/24/10 - No More Cash Back When Funding Citibank Accounts with a Credit Card?
2/23/10 - Citibank's New 7-Day Rule for Withdrawals?
2/23/10 - $100 Citibank Checking Account Bonus
2/22/10 - Update on Citi's 4.07% 18-Month Secured MasterCard CD
2/21/10 - This Bank Appears To Be Heading In An Unfriendly Direction
2/10/10 - $25 Bonus for Opening Citibank Ultimate Savings Account
2/2/10 - When 'free checking' isn't free [CNNMoney]
1/26/10 - Citibank Checking Bonus of 20,000 ThankYou Points [SD]
12/22/09 - Update on the 4.07% 18-Month CD ($25K Max) at Citibank via its Secured MasterCard Program
9/18/09 - 4.07% 18-Month CD ($25K Max) Continues at Citibank via its Secured MasterCard Program
9/2/09 - Update on Citibank's CDs - Branch Specials & Secured MasterCard CD - Update
8/26/09 - Update on Citibank's CDs - Branch Specials & Secured MasterCard CD
8/18/09 - Update on Citibank's CD Specials - 4.00% 60-Month CD Continues in Some States
8/6/09 - 4.07% 18-Month CD ($25K Max) at Citibank - Nationally Available
7/15/09 - 4.00% 60-Month CD & 2.50% 24-Month CD at Citibank in Some States
4/1/09 - Update on Citibank CD Specials - 2.50% 8-Month CD in a Few States
3/29/09 - Citibank CD Specials - 2.50% 8-month in CA & 2.75% 12-month in TX
1/28/09 - Citibank's Checking, Money Market and Credit Card Promotion
12/21/08 - $25 Bonus at Citibank for Opening the Ultimate Savings Account - Update
11/24/08 - Unlimited FDIC Coverage for Citibank Checking Accounts
10/7/08 - $25 Bonus at Citibank for Opening the Ultimate Savings Account
9/30/08 - Citibank Raises Yields: 3.50% Savings Account, 4.00% 6-Month CD
9/29/08 - Citigroup to Acquire Wachovia's Banking Operations with Help from the Feds
9/8/08 - Citibank Specials: 4.00% 6-Month CD in CA and NV, 3.75% MMA in TX
9/5/08 - $100 Checking Account Bonus at Citibank
5/29/08 - $150 Citibank Checking Account Bonus
5/13/08 - New $200 Citibank Checking Account Promotion
4/4/08 - Citibank Checking and Savings Account Promotions
4/2/08 - More Rate Cuts - Savings, Checking and Reward Checking Accounts
3/11/08 - Savings Account Rate Cuts by Countrywide, ING Direct and Citibank
1/29/08 - More Falling Savings Account and CD Rates
11/25/07 - $200 Citibank Checking Account Promotion
11/19/07 - Extended 5% Cash Back Promo for Citi Dividend Credit Cards
11/7/07 - Another Round of Falling Rates: CitiBank, Cap One, WaMu, iGoBanking, ...
9/11/07 - Citibank Raises Yield on Ultimate Money Account to 5.10% / Citibank Promo Updates
7/6/07 - Another New $100 Bonus for Citibank Ultimate Savings Account
5/29/07 - New $200 Citibank Checking Account Bonus
5/17/07 - New $100 Bonus for Citibank Ultimate Savings Account
5/11/07 - Citibank's New 5% Ultimate Money Account
4/3/07 - Citibank Drops e-Savings Account Rate to 4.50%
3/21/07 - New $50 Bonus for Citibank Ultimate Savings Account and Bonus Updates
3/1/07 - $25 Bonus for Citibank's New Ultimate Savings Account
2/7/07 - 6% Savings Account Promos Like Yesterday's Toasters
2/5/07 - Citibank e-Savings Account Bonuses
1/30/07 - Citibank Drops e-Savings Account Rate to 4.75% - Other Citibank and Online Banking News
12/23/06 - $100 Citibank Checking and e-Savings Account Bonus
12/5/06 - Update on the Citibank $200 Checking Account Promotion
10/25/06 - $25 Bonus for Citibank's e-Savings/EZ Checking Package
10/16/06 - New $200 Checking Account Bonus at Citibank
9/6/06 - 6.00% 6-Month CD Still Available for Those in Texas
8/13/06 - Another Chance at $200 Citibank Checking Account/Credit Card Deal
6/27/06 - 5.50% 6-Month CD at Citibank (available to all)
6/26/06 - Citibank's e-Savings Account now 5.00%
6/25/06 - 6% 6-Month CD at Citibank Texas
6/13/06 - New Citibank Checking Account Bonus - Free Plane Ticket
6/6/06 - e-Savings Account Impact to Citigroup
5/16/06 - Citibank's e-Savings Account Now 4.75%
3/29/06 - Citibank's 4.5% e-Savings Account
3/14/06 - More $100 Sign-Up Bonuses for Citi Credit Cards
1/29/06 - $200 Citibank Checking Account/Credit Card Deal
1/25/06 - $100 Gift Card Citicard Deal
12/14/05 - Another Citibank $200 Checking Account Bonus
12/8/05 - $100 Gift Card for Citibank Credit Card
12/3/05 - Free Palm for Citibank Checking
10/7/05 - Citibank $200 Checking Account Deal
9/5/05 - Citibank iPod Deal and Online Banking

Great Public Service

Posted by: Shayne | Jun 18, 2015

Citi Bank is a great bank because it has convenient locations all over the United States.It serves a very large population in my local community for a very long time.They provide excellent customer service and public opinion.They have a wide variety of services that meet the needs of all people.They continue to provide great services and new innovation throughout the U.S.

Citibank review

Posted by: Jackson | Oct 15, 2014

Site looks okay but it seems a bit laggy. The customer support page is iffy and there are so many different numbers. I guess that could be a plus. They have a variety of goods/services available. They have barely/no mobile apps available and that is pretty saddening.

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

High Fees And Fasle Promises

Posted by: carmel | Nov 7, 2010

Normal 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.

 

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Health
B+

Health Grade Components

Overall
FDIC Certificate #7213
Year Established1812
Employees170413
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD8.97%
Annual Interest Income$45.78B
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1,299.8B$1,356.4B
LoansQ4 2015vs Q4 2014$576.1B$582.3B
DepositsQ4 2015vs Q4 2014$915.2B$936.4B
Equity CapitalQ4 2015vs Q4 2014$144.7B$147B
Loan Loss AllowanceQ4 2015vs Q4 2014$10.85B$12.26B
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$6.05B$7.09B
Real Estate OwnedQ4 2015vs Q4 2014$116.0MM$177.0MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Citibank; 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.

Citibank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$500k*-Citibank Savings Plus Account
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $25k | 0.06% $25k - $100k | 0.08% $100k - $500k

Citibank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$500-Citigold Interest Checking
0.01%$100-Citibank Account

Citibank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-5 Year CD
0.35%$1k-3 Year CD
0.35%$1k-4 Year CD
0.25%$1k-18 Month CD
0.25%$1k-2 Year CD
0.25%$1k-30 Month CD
0.20%$1k-13 Month CD
0.15%$1k-1 Year CD
0.10%$1k-9 Month CD
0.10%$1k-10 Month CD
0.07%$1k-6 Month CD
0.07%$1k-7 Month CD
0.07%$1k-8 Month CD
0.05%$1k-3 Month CD
0.05%$1k-4 Month CD
0.05%$1k-5 Month CD

Citibank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-5 Year IRA
0.35%$1k-3 Year IRA
0.35%$1k-4 Year IRA
0.25%$1k-18 Month IRA
0.25%$1k-2 Year IRA
0.25%$1k-30 Month IRA
0.20%$1k-13 Month IRA
0.15%$1k-1 Year IRA
0.10%$1k-9 Month IRA
0.10%$1k-10 Month IRA
0.07%$1k-6 Month IRA
0.07%$1k-7 Month IRA
0.07%$1k-8 Month IRA
0.05%$1k-3 Month IRA
0.05%$1k-4 Month IRA
0.05%$1k-5 Month IRA
Locations

Citibank has 1,129 locations. Click to view all Citibank locations.