Citibank

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	5-year CD	5 Year CD 2.25% - Bank of Internet USA 60 Month CD
0.15%	1-year CD	1 Year CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.15%	Savings	Citi Savings Account- Citi Priority 1.35% - CIT Bank Premier High Yield Savings

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Overview / Commentary

online.citi.com

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.

Just noticed Citibank advertising this new promo on their website. One nice feature is that it doesn’t require direct deposit. Link to promotion page To qualify for a $300 cash bonus, open a new eligible consumer checking account in The Citibank Account Package by 12/31/16. Within 45 days after opening your new checking account you must complete the following: *Complete 1 qualifying Direct Deposit to your new checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling $250 or more *Make a qualifying deposit of $15,000 or more in new to Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account and maintain a minimum balance of $15,000 for 30 consecutive calendar days following the date you made your qualifying deposit

View all posts from:

2017
2016
2014
Earlier

4/17 - Citibank Offers $500 Checking Bonus

12/29 - Citibank Features $300 Checking Bonus
11/18 - $300 Citibank Checking Account Bonus
11/13 - Citibank: The Bank That Never Sleeps
6/15 - $400 Checking Bonus After 120 Days, Through 8/31/16
1/24 - CREDIT CARD

10/30 - What You Can Do About The Rising Citibank Checking Account Fees
10/21 - Citi’s “Secure Message Center” Sends Online Message To Wrong Person
10/14 - Citi Pulls Consumer Banks From 11 Markets
9/29 - Is Citibank's New Checking Account Worth A Look?
4/9 - Citigroup To Pay $1.13 Billion To Settle Securities Claims
3/21 - Citibank To Raise Out-Of-Network ATM Fees
3/3 - Citigroup Discloses Money-Laundering Subpoenas
2/18 - Citibank Checking Account Bonuses of $250 and $500
2/12 - $125 + $125 For New Citibank Account
1/24 - Citibank’s ATM Experience Takes On A New Look

Reviews (39)

Featured Account Options

they work with you

Posted by: feelingold | Jan 2, 2017

I opened my Citibank checking account when I was 20 years old. I chose it because the branch was directly across the street from my law school. They were so friendly and helpful and explained everything to me (and there was lots to explain to my 20 year old self). I am now 41 and still have the same checking account. Over the years, Citi has changed their policies and tried to assess fees just for keeping your money with them. Every time I went into a branch to complain, they reassured me that my account was grandfathered in and no fees would apply. One time, they showed me how to set up bill pay to avoid fees. And now I use PopMoney all the time. It's so easy to send money to people. I like Citi a lot.

Comment

2

Easy bank to use

Posted by: constancehines63 | Sep 11, 2017

I have a savings account with Citibank. I have not been with them very long but I switched to them from Wells Fargo. Citibank customer service is better when it comes to helping customers over the phone than Wells Fargo was for me. They shipped me a new card out much faster when I lost mine last time. Also their mobile banking is easy to use and has more options of things to view on there without using the full site. I like that on Citi the amount you have to keep in your savings is low because sometimes I need to take money out but do not want to close my account. I plan on adding more services to my account since they seem to fit my needs financially.

Comment

1

Good Solid Bank

Posted by: mariselablanchard | Sep 8, 2017

I initially opened an account with Citi Bank because a family member recommended it to me. I liked that there was no minimum deposit to open my account. In general I don't have any major complaints about the bank. The website is easy to use and I can easily move money between my accounts, which was a big selling point to me. However I can't say there's anything especially wonderful about them that stands out from other banks. It's a basic bank with solid account services and good customer service. I haven't had any problems but I haven't had anything amazing happen either. In general however I am happy with the service. The website functions well and I am able to talk to someone when I have a problem and need to call in, which has only happened a few times. I think the fees and whatnot are reasonable, everything is market standard. I would recommend.

Comment

1

Bank that meets all my expectations

Posted by: marianbright17 | Aug 18, 2017

This bank is very fast and useful for me since I can carry out all my needs at any time and in any place without many impediments, I can check my account and make transfers at any time of my day to day, since the accessibility is very easy And fast, do not ask for many security requirements and somehow I like this because I am always very rushed in my affairs and I need to develop quickly when entering this bank and use their services, I can also pay for the services I use In my house and a % of very good savings for the client. I really do not demand much more from this bank, it is practically perfect for me, it adheres perfectly to all the steps I want to take when I enter your website. It's a very different bank and very useable.

Comment

1

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Health

A

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7213
Year Established	1812
Employees	175473
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.93%
Return on Equity - YTD	8.68%
Annual Interest Income	$24.29B

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$1,401.3B$1,365.7B
Loans	Q2 2017vs Q2 2016	$604.8B$596.9B
Deposits	Q2 2017vs Q2 2016	$972.1B$947.3B
Equity Capital	Q2 2017vs Q2 2016	$148.1B$148.9B
Loan Loss Allowance	Q2 2017vs Q2 2016	$10.32B$10.60B
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$6.00B$6.93B
Real Estate Owned	Q2 2017vs Q2 2016	$120.0MM$91.0MM

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

APY	MIN	MAX	ACCOUNT NAME
0.15%^*^†	$500k^*	-	Citi Savings Account - Citigold
OTHER TIERS: 0.04% → Up to $10k \| 0.06% → $10k - $25k \| 0.10% → $25k - $100k \| 0.12% → $100k - $500k
0.15%^*^†	$500k^*	-	Citi Savings Account- Citi Priority
OTHER TIERS: 0.04% → Up to $10k \| 0.06% → $10k - $25k \| 0.10% → $25k - $100k \| 0.12% → $100k - $500k

Citibank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.13%^*^†	$500k^*	-	Citibank Account Package
OTHER TIERS: 0.04% → Up to $25k \| 0.08% → $25k - $100k \| 0.10% → $100k - $500k
0.06%^*^†	$25k^*	-	Basic Banking Package
OTHER TIERS: 0.04% → Up to $25k
0.06%^*^†	$25k^*	-	Access Account Package
OTHER TIERS: 0.04% → Up to $25k
0.03%^†	-	-	Citigold Interest Checking
0.03%^†	-	-	Interest Checking- Citi Priority
0.01%^†	-	-	Interest Checking Account

Citibank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%^*^†	$10k^*	-	18 Month CD
OTHER TIERS: 0.25% → $1k - $10k
0.50%^*^†	$10k^*	-	10 Month CD
OTHER TIERS: 0.10% → $1k - $10k
0.50%^†	$1k	-	5 Year CD
0.35%^†	$1k	-	3 Year CD
0.35%^†	$1k	-	4 Year 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
0.07%^†	$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

Locations

Availability

San Diego Area

San Diego Area bank & credit union details