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 lowers 3 CD rates & increases 1 CD rate - 12/20/2023

Here is a partial list of Citi CD rates (APY) as of 12-20-2023: 7-month CD @ 5.25% (was 0.05%) 9-month CD @ 4.00% (no change) 11-month CD @ 0.05% (was 5.25%) 11-month CD @ 0.05% (was 5.65%) 12-month CD @ 3.00% (was 4.00%) 12-month CD @ 4.00% (no change) The rates that Citi offers vary by location. The rates listed above were based on the location of Citigroup headquarters at 388 Greenwich St., New York, NY 10013. To view the rates of all Citi CDs in your region, see: https://online.citi.com/US/ag/current-interest-rates/cd

Citi CD Rate Changes As Of 10-31-2023 - 10/31/2023

Here is a partial list of Citi CD rates (APY) as of 10-31-2023: 9-month CD @ 4.30% (no change) 11-month CD @ 5.25% (was 5.05%) 11-month CD @ 5.65% (was 5.05%) 12-month CD @ 4.30% (no change) 15-month CD @ 4.30% (no change) 15-month CD @ 4.75% (no change) The rates that Citi offers vary by location. The rates listed above were based on the location of Citigroup headquarters at 388 Greenwich St., New York, NY 10013. To view the rates of all Citi CDs in your region, see: https://online.citi.com/US/ag/current-interest-rates/cd

Citi Increases Their 11-Month CD From 0.05% To 5.05% On 10-3-2023 - 10/4/2023

I guess Citi felt obligated to add one 5% direct CD to their list since two of the other monster mega banks (Wells Fargo and Bank of America) were already offering some 5% direct CDs. Chase is also currently featuring a 5% direct CD (6-month “relationship” rate CD) however the minimum is $100k. Here is a partial list of Citi direct CD rates as of 10-3-2023: 9-month CD @ 4.30% 11-month CD @ 5.05% (was 0.05%) 12-month CD @ 4.30% (no change) 15-month CD @ 4.30% (no change) 15-month CD @ 4.90% (no change) The rates that Citi offers vary by location. The rates listed above were based on the location of Citigroup headquarters at 388 Greenwich St., New York, NY 10013. To view the rates in your region, see: https://online.citi.com/US/ag/current-interest-rates/cd

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12/15/20 - Citi Accelerate Savings Drops To 0.50% APY
8/18/20 - Business Account: Up To $2,000 For Up To $200K For 60 Days
4/13/20 - Citibank Unresponsive
1/30/20 - Citi - Offers Cash Bonus For New Checking/Savings Accounts
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.
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
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
2/12/14 - $125 + $125 For New Citibank Account
1/24/14 - Citibank’s ATM Experience Takes On A New Look
8/30/13 - Citigroup Said To Seek Sale Of 50 Texas Branches In Rural Areas
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
9/1/10 - 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]
12/8/09 - 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 (294)

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.

They Play Hard Game

Posted by: |

Opened a 5.65% APY CD for 11 months.

The online process was smooth. They were able to literally suck the money off my bank via manual router and account number connection (no need for small deposits needed OR logging into my bank account). The CD was funded immediately. So, it was a smooth process. However, the fact they didn't allow for an outside bank to link with the account should have been a warning sign to me.

The problems I encountered are as follows:
1. They WILL NOT link an outside bank to your account. It's impossible.
2. Upon maturity, you either have to pick up the check at the closest branch from your location (good luck with that) OR they will mail it to you (if you have a large amount, you will lose sleep).
3. Their website does NOT allow you to add beneficiaries. They want you to visit a branch to do it (or they can mail you a form USPS).
4. You have just 7 days grace period to close your account once matured.
5. Their website does not allow for online maturity instructions like other banks. They want you to call them for instructions on how to manage your account on maturity (three months prior to maturity, anything before 3 months will not be considered legit).
6. When opening the CD, they will ask if you like your monthly interest USPS mailed to your home address OR leave in the account. Again, this was too old fashioned for me. Who mails checks these days? Why not ACH to my own bank? It's barbaric and a way for them to keep your money longer.
7. They will endlessly market to you their checking and savings programs.
8. They have no dedicated CD online website. The website you log into is meant for someone who has a checking and/or savings account. It's not friendly to those who simply wants a CD account.

This bank strives VERY HARD to convert their online customers to long term customers by enticing you to bank with their local banks. In doing so, they have instituted marketing gimmicks that really make the customer journey unpleasant and one that is unbecoming of an online bank. Making your beneficiary at their branch, picking up your check at their branch, not allowing for external bank link on their online CD account, these and many more practices are designed to "push" you to their brick and mortar banks and convert you.

Citi “Blocked” My Account

Citibank is unbelievable. So I deposited my settlement check with them last week. First everything was okay but when I tried to log into my account, it wasn’t letting me login so I called and they told me my account was on hold because they have to verify where the check came from so I didn’t worry. 3 days later I got inpatient because the hold was actually stopping me from using ANY money from my account, Not just the settlement that I deposited. So when I called, they told me to have my check issuer call Citibank and have them verify it that way, which I did, my check issuer called and confirmed everything then all of a sudden they told me over the phone that the check did in fact clear and verified! So I’m like “okay what now” now they’re saying that they’re going to try to cancel my account from closing because apparently when they couldn’t verify it at first they was about to close it my account!! So now the want me to wait next week and I should expect a call determining if my account will still be open or closed. And still I can’t access my own money until they call me NEXT WEEK I’m so pissed and confused with this bank.

WORST BANK EXPERIENCE EVER!

Posted by: |

We opened a savings account to hold our money while we were purchasing a new home. The money was in an account for 1 month. When we tried to transfer money out of savings to our title company we were limited to $10,000/day at no charge OR $50,000/day for a $25 wire transfer fee each time.

We spent over 6 hours (combined calls) on the phone with 5 different customer service reps and no one was able to help us until Jen (the 2nd Jen).

I had to enroll in the Acceleration program. I did this over the phone with Jen and supposedly this will work. We will see . . . .

This is like the Hotel California - you can put your money in any time you like but it can never leave!

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Health
B+

Health Grade Components

Overall
FDIC Certificate #7213
Year Established1812
Employees188389
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD9.4%
Annual Interest Income$68.01B
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1,657.4B$1,714.5B
LoansQ3 2023vs Q3 2022$615.8B$624.3B
DepositsQ3 2023vs Q3 2022$1,286.1B$1,335.2B
Equity CapitalQ3 2023vs Q3 2022$166.2B$162.3B
Loan Loss AllowanceQ3 2023vs Q3 2022$16.01B$14.77B
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$4.86B$4.49B
Real Estate OwnedQ3 2023vs Q3 2022$26MM$11MM
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
4.45%--Citi Accelerate Savings

Citi Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.00%--Citi Priority Relationship Tier
0.00%--Enhanced Direct Deposit

Citi CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%--7 Month CD
4.00%--15 Month CD
3.75%--9 Month CD
3.75%*$100k*-1 Year CD
OTHER TIERS: 2.75% Up to $100k
2.00%--18 Month CD
2.00%--2 Year CD
2.00%--3 Year CD
2.00%--4 Year CD
2.00%--5 Year CD
0.10%--30 Month CD
0.10%--13 Month CD
0.10%--14 Month CD
0.10%--30 Month Step Up CD
0.05%--3 Month CD
0.05%--4 Month CD
0.05%--5 Month CD
0.05%--6 Month CD
0.05%--8 Month CD
0.05%--10 Month CD
0.05%--11 Month CD
0.05%--12 Month No Penalty CD
Locations

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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 [email protected] 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.