Citi


Overview / Commentary
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.

Related Posts

Citi Rate Changes As Of 8-31-2022 - 8/31/2022

Citi rate changes as of 8-31-2022 include: High Yield Savings Account @ 2.00% (was 1.65%),12-month NP CD @ 2.25% (was 1.75%),1-year CD @ 2.75% (was 2.50%), 18-month CD @ 2.85% (was 2.75%), The 2-year, 3-year, 4-year, and 5-year CD rates are uncompetitive @ 2.00% (they were 1.01%) The rates that Citi offer vary depending on location. To view the rates in your region see: https://online.citi.com/US/ag/banking/savings-account https://online.citi.com/US/ag/current-interest-rates/cd

Citi Drops Overdraft Fees - 6/19/2022

Email rec'd 6/18/22: "Effective June 19, 2022, Citi is eliminating overdraft fees, returned item fees, and overdraft protection transfer fees on Citi Retail Banking consumer deposit accounts."

$2500 SAVINGS BONUS - 4/27/2022

Haven't seen this bonus mentioned on this site. $2500 for a million dollar deposit. https://online.citi.com/US/ag/banking/savings-account. Think this link is good.

View all posts from:

12/12/19 - Citi Accelerate Savings @2.05% APY Is NOT Available In FL
12/11/18 - Earn Up To $600 When Opening A Checking And Savings Acct.
6/6/18 - Citibank’s New Attempt at a High Yield Online Savings Account
5/14/18 - Review of the Latest Citibank Checking Bonus Offers - Up to $600
4/17/18 - Citi Offering A 2% APY 13 Mo CD, $25K Minimum
4/6/18 - New 1.35% APY 3 Mo Savings Acct Promo
1/25/18 - Florida Citibank 30 Mo CD Special Is 1.51% APY, $10K Min
12/3/17 - Citibank Fined For Illegal Student Loan Servicing Practices
4/17/17 - Citibank Offers $500 Checking Bonus
12/29/16 - Citibank Features $300 Checking Bonus
11/18/16 - $300 Citibank Checking Account Bonus
6/15/16 - $400 Checking Bonus After 120 Days, Through 8/31/16
1/24/16 - CREDIT CARD
10/30/14 - What You Can Do About The Rising Citibank Checking Account Fees
10/21/14 - Citi’s “Secure Message Center” Sends Online Message To Wrong Person
10/14/14 - Citi Pulls Consumer Banks From 11 Markets
9/29/14 - Is Citibank's New Checking Account Worth A Look?
4/9/14 - Citigroup To Pay $1.13 Billion To Settle Securities Claims
3/21/14 - Citibank To Raise Out-Of-Network ATM Fees
3/3/14 - Citigroup Discloses Money-Laundering Subpoenas
2/18/14 - Citibank Checking Account Bonuses of $250 and $500
2/12/14 - $125 + $125 For New Citibank Account
1/24/14 - Citibank’s ATM Experience Takes On A New Look
10/2/13 - Citibank Checking Account Bonus of up to $400
10/2/13 - History of Citibank Bonus Payouts
8/30/13 - Citigroup Said To Seek Sale Of 50 Texas Branches In Rural Areas
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
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
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
12/8/09 - Citibank Raises Yields: 3.50% Savings Account, 4.00% 6-Month CD
9/19/09 - Update on Citibank's CDs - Branch Specials & Secured MasterCard CD - Update
9/18/09 - 4.07% 18-Month CD ($25K Max) Continues at Citibank via its Secured MasterCard Program
9/10/09 - Update on Citibank's CD Specials - 4.00% 60-Month CD Continues in Some States
8/26/09 - Update on Citibank's CDs - Branch Specials & Secured MasterCard CD
8/6/09 - 4.07% 18-Month CD ($25K Max) at Citibank - Nationally Available
7/18/09 - 4.00% 60-Month CD & 2.50% 24-Month CD at Citibank in Some States
4/21/09 - Citibank CD Specials - 2.50% 8-month in CA & 2.75% 12-month in TX
4/21/09 - Update on Citibank CD Specials - 2.50% 8-Month CD in a Few States
1/28/09 - Citibank's Checking, Money Market and Credit Card Promotion
1/28/09 - $100 Checking Account Bonus at Citibank
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
9/17/08 - Citibank Specials: 4.00% 6-Month CD in CA and NV, 3.75% MMA in TX
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
3/13/08 - Citibank Raises Yield on Ultimate Money Account to 5.10% / Citibank Promo Updates
12/9/07 - $200 Citibank Checking Account Promotion
11/19/07 - Extended 5% Cash Back Promo for Citi Dividend Credit Cards
9/11/07 - Update on the Citibank $200 Checking Account Promotion
8/7/07 - New $200 Checking Account Bonus at Citibank
7/19/07 - 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
5/11/07 - New $50 Bonus for Citibank Ultimate Savings Account and Bonus Updates
4/3/07 - Citibank Drops e-Savings Account Rate to 4.50%
3/1/07 - Citibank e-Savings Account Bonuses
3/1/07 - $25 Bonus for Citibank's New Ultimate Savings Account
1/30/07 - Citibank Drops e-Savings Account Rate to 4.75% - Other Citibank and Online Banking News
12/30/06 - $100 Citibank Checking and e-Savings Account Bonus
10/25/06 - $25 Bonus for Citibank's e-Savings/EZ Checking Package
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

Reviews (230)

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

Posted by: |

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

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.

Accelerate Savings Locks Up Your Bonus

Posted by: |

I opened an accelerate savings account with Citi recently for the good APY and welcome bonus. When I think of a savings account, I expect to be able to access my money quickly if necessary. I have since found out that is not the case with this Citi account. They limit transfers back out of the account to $10,000 daily / $15,000 max per month. However, it has been several days since my initial $10,000 money transfer and their online functionality is not allowing me to transfer the balance $5,000. Customer service was extremely unhelpful and said there was nothing they could do. Not to mention that to now move back out all the money in the account to my local bank would take months and months if the system was working. My only other option is a wire transfer which has a fee. Not a fan of having to pay a fee to access my own money. Needless to say I will be paying the wire transfer fee to get my money out of this account and taking it elsewhere where I can access it when I need it.

I Was Naive

I made an account in hopes of warning someone else. Wish I read reviews and was not naive. Believing that Costco would not do business with crooks, I realize the Costco side is great but the other side (checkings and savings), is a nightmare.

July 16 we opened an account and were to fund it with 25k$ we had in our other bank. We figured if we would have a costco credit card with Citibank (easy to work with, no problems) we would bank all in the same spot. When we tried to fund the account from our savings account, from another bank, it showed that “the check bounced”. Well, we never wrote a check, just gave our electronic routing number and account number. Apparently you cannot fund using a savings account. This froze our account. The way to unfreeze it is to call the fraud department. Wait times are at least an hour. Usually 2 hours. When we got through they notified us the account was frozen. Kept telling us in 24-48 hours it would be unfrozen, it was a misunderstanding. Unfortunately it never was unfrozen even they told us it was. Mind you, at this point we have been calling every day for almost 2 weeks and waiting for about 2 hours every time. Finally we went into a branch. They were the ones that told us we have not funded the account. At this point, we did not want anything more to do with this bank.

Yesterday, the fraud department told us everything is unfrozen and we can now visit our local branch and close the account. Glad the nightmare was over, we visited the local branch only to have them tell us it was never unfrozen. The branch told us they would find out and tell us the next day. Today, I am on hold with the same department before visiting the branch and we are pretty sure that nothing will come of it.

Please, do not do what we did, and read the horror stories they are true. We consider ourselves blessed to have the funds not come through to this crooked bank. All we are trying to do is close the nightmare account. What about all those with money in the bank??

The call to the fraud department gives you people who are outsourced to another country and there is no one above them you can reach. Currently, the wait time says “greater than 30 minutes” after telling us it was “less than 30”.

This is unsustainable and I think they will go under.

Thanks, please dont be naive and save yourself from the nightmare

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Health

Health Grade Components

Overall
FDIC Certificate #7213
Year Established1812
Employees186465
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD10.09%
Annual Interest Income$23.81B
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1,720.3B$1,678.5B
LoansQ2 2022vs Q2 2021$635.8B$637.3B
DepositsQ2 2022vs Q2 2021$1,353.8B$1,328.5B
Equity CapitalQ2 2022vs Q2 2021$164.3B$164.4B
Loan Loss AllowanceQ2 2022vs Q2 2021$14.53B$17.27B
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$4.37B$5.39B
Real Estate OwnedQ2 2022vs Q2 2021$10.0MM$22.0MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1-Citi Accelerate Savings

Citi Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.00%$200k-Citigold®
0.00%--Citi Priority

Citi CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-18 Month CD
2.50%$1k-1 Year CD
1.50%$500-12 Month No Penalty CD
1.10%$1k-6 Month CD
1.10%$1k-9 Month CD
1.01%$1k-2 Year CD
1.01%$1k-3 Year CD
1.01%$1k-4 Year CD
1.01%$1k-5 Year CD
0.10%$1k-30 Month 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-7 Month CD
0.05%$1k-8 Month CD
0.05%$1k-10 Month CD
0.05%$1k-11 Month CD
Locations

Availability

New York Area

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