Featured Savings Rates
Featured Accounts
Overview / Commentary
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.

Related Posts

Citibank’s New Attempt at a High Yield Online Savings Account - 6/6/2018

Citibank is introducing the high-yield online savings account as a promotional rate for its Citi Savings Account. There are several requirements and limitations.

Review of the Latest Citibank Checking Bonus Offers - Up to $600 - 5/14/2018

Citibank is again offering checking account bonus offers with some sizable bonus amounts. These bonuses don’t require direct deposit or debit card usage.

Citi Offering A 2% APY 13 Mo CD, $25K Minimum - 4/17/2018

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.

View all posts from:

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
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
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
10/3/08 - Citigroup to Acquire Wachovia's Banking Operations with Help from the Feds
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 (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

Review of Citibank banking

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.

Done with Traditional Banks

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.

Most Dishonest Bank -- Reported To Federal Reserve Customer

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.

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
FDIC Certificate #7213
Year Established1812
Employees168909
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD12.06%
Annual Interest Income$13.03B
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1,406.8B$1,369.2B
LoansQ1 2018vs Q1 2017$628.6B$585.4B
DepositsQ1 2018vs Q1 2017$1,001.3B$964.4B
Equity CapitalQ1 2018vs Q1 2017$145.3B$147.1B
Loan Loss AllowanceQ1 2018vs Q1 2017$10.61B$10.43B
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$5.22B$6.38B
Real Estate OwnedQ1 2018vs Q1 2017$85.0MM$119.0MM
  User-submitted Promotions & Notices

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   |  
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.

New 1.35% APY 3 Mo Savings Acct Promo

Sperry8   |  
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.

Rates
Skip to rates for:
Report an Issue

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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability

Chicago Area

Interactive local rates map


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.