Most Popular Citibank Account

Account Type	APY	Account Name	Min	Max
Savings	1.60%	Citi Savings Account	$10k	-	Details »

Overview / Commentary

online.citi.com

605-331-2626

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.

Citi's CD page makes you enter your region. I checked for Florida, New York, California, Illinois, and Texas. All are offering this 13 mo CD special of 2% APY. $25,000 minimum to get the promo CD rate. My guess is it's a nationwide offer - although again, one has to check their State if they live outside the 5 States I checked. *Annual Percentage Yield (APY) is accurate as of 04/17/2018. A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term.

View all posts from:

2018
2017
2016
Earlier

6/6 - Citibank’s New Attempt at a High Yield Online Savings Account
5/14 - Review of the Latest Citibank Checking Bonus Offers - Up to $600
4/17 - Citi Offering A 2% APY 13 Mo CD, $25K Minimum
4/6 - New 1.35% APY 3 Mo Savings Acct Promo
1/25 - Florida Citibank 30 Mo CD Special Is 1.51% APY, $10K Min

12/3 - Citibank Fined For Illegal Student Loan Servicing Practices
4/17 - Citibank Offers $500 Checking Bonus

12/29 - Citibank Features $300 Checking Bonus
11/18 - $300 Citibank Checking Account Bonus
6/15 - $400 Checking Bonus After 120 Days, Through 8/31/16
1/24 - CREDIT CARD

Reviews (101)

Insightful banking experience with Citi

Posted by: Charidity | May 23, 2018

I have been with Citibank for over 7 years now. After graduating from college and thankfully getting employed in the desired industry, occasionally I am obliged to travel with my supervisor overseas to meet with potential partners. I was very fortunate to have opened checking account with Citibank. Citibank is considered to be an international player in banking and have many branches worldwide. Thus, I manage to avoid many foreign transaction fees when using my debit card to purchase or get cash from ATM overseas. It has been very smooth, convenient, comfortable and satisfying to be part of this company. Wherever I go, I feel like there will be service that is managed by Citibank and I will avoid paying any unnecessary and extra fees on my banking transactions. On top of that, Citibank has an excellent customer service. Once, I remember I needed a proof of residence for one my application at different bank. I contacted Citibank and requested the letter from them as I had been with them for long time. In 24 hours, the letter was available online in my account and I was able to download it in PDF format immediately. It was very fast with high quality response to my concern. I hope I will be with them for many years to come

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1

Review of Citibank banking

Posted by: BrightAway | May 28, 2018

My experience with Citibank was fairly decent. I went into a local branch to open up a checking and savings account when I moved to Florida. Even though I called ahead, my wait time was almost 45 minutes before I saw someone to get the accounts open. Other than that the experience was pleasant enough. I only went into a branch 2-3 more times and that was to get documents notarized, which they did at no charge.

The rest of my experience with them was via ATM's and online. The online website was decent enough. I only had a few minor issues which were either resolved by time, or calling customer service. They only had a few local branches and ATM's, which ended up being a concern and the reason I left them for another bank about 4 months ago. They were part of a network that allowed me to get free ATM usage but it wasn't always accurate. Which led to a few calls to customer service to get fees refunded.

Calling customer service was usually a pleasant experience. But like most companies the phone menu and actually getting to talk to someone was beyond excruciating. My average time spent on the phone was around 15 minutes which I find unacceptable but not outrageous.

Lastly, the fees were above what I was used to paying.

Comment

1

Done with Traditional Banks

Posted by: CaptainFlash | May 25, 2018

CitiBank was the last bank that I had before I switched over to Ally Bank. I feel that CitiBank just doesn't offer as much. I think like many of the other traditional and older banks, they think they just continue as is and not have to compete with new banks that offer innovating and exciting products. I had a checking and savings with CitiBank that I switched over. CitiBank didn't have competitive interest rates for its saving account. Now I get high interest rates on my savings AND checking account. CitiBank also did not reimburse me for ATM withdrawals at other banks besides CitiBank. Come on, its 2018, this should be offered by all banks. The web/mobile products also leave a lot to be desired in comparison to their competitors. The only thing I enjoyed when I used them was their customer service and abundance of physical locations.

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1

Most Dishonest Bank -- Reported To Federal Reserve Customer

Posted by: Daoistqigong | Jun 13, 2018

They offer many promotions very year recently. But don't honor it when you met all it was asked for. Which means: you put $$K in the saving account for 9 months, you get Nothing but terrible service and dishonest answers.

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3

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Health

A

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7213
Year Established	1812
Employees	168909
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	12.06%
Annual Interest Income	$13.03B

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$1,406.8B$1,369.2B
Loans	Q1 2018vs Q1 2017	$628.6B$585.4B
Deposits	Q1 2018vs Q1 2017	$1,001.3B$964.4B
Equity Capital	Q1 2018vs Q1 2017	$145.3B$147.1B
Loan Loss Allowance	Q1 2018vs Q1 2017	$10.61B$10.43B
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$5.22B$6.38B
Real Estate Owned	Q1 2018vs Q1 2017	$85.0MM$119.0MM

User-submitted Promotions & Notices

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This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Citi Offering A 2% APY 13 Mo CD, $25K Minimum

Sperry8 | Apr 17, 2018

Citi's CD page makes you enter your region. I checked for Florida, New York, California, Illinois, and Texas. All are offering this 13 mo CD special of 2% APY. $25,000 minimum to get the promo CD rate.

My guess is it's a nationwide offer - although again, one has to check their State if they live outside the 5 States I checked.

*Annual Percentage Yield (APY) is accurate as of 04/17/2018. A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term.

5

New 1.35% APY 3 Mo Savings Acct Promo

Sperry8 | Apr 6, 2018

Open an eligible Citi Savings Account and earn 1.35% Promo Interest Rate / 0.41% APY ($25k minimum balance & qualifying deposit). .41% APY after the 3 mo promo period is up.

Not the best rate but if you're Citi Priority or CitiGold and thus keep $50k or $200k on deposit with Citi it's better than their normally very low rates.

Comment

3

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
1.60%^†	$10k	-	Citi Savings Account
1.35%^*^†	$25k^*	-	Citi Savings Account - Citigold Promotional Interest Rate
OTHER TIERS: 0.10% → Up to $25k
1.35%^*^†	$25k^*	-	Citi Savings Account- Citi Priority Promotional Interest Rate
OTHER TIERS: 0.10% → Up to $25k
1.25%^*^†	$25k^*	-	Citibank Account Package - Promotional
OTHER TIERS: 0.10% → Up to $25k
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
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

Citibank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%^*^†	$25k^*	-	Citibank Account Package - Promotional Interest Rate
OTHER TIERS: 0.10% → Up to $25k
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
0.01%^†	-	-	Interest Checking Account

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.

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