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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.

Related Posts

Citibank Offers $500 Checking Bonus - 4/17/2017

Citibank is offering a $500 bonus now through June 30, 2017, when opening a new The Citi Priority Account Package checking account. Requires a minimum $50k deposit.

Citibank Features $300 Checking Bonus - 12/29/2016

Citibank has a nationally available $300 bonus when opening a new eligible checking account ($15k minimum deposit) now through December 31, 2016.

$300 Citibank Checking Account Bonus - 11/18/2016

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

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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
11/24/10 - Free Checking Accounts Requiring More Work at the Mega Banks
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
4/2/08 - More Rate Cuts - Savings, Checking and Reward Checking Accounts
3/13/08 - Citibank Raises Yield on Ultimate Money Account to 5.10% / Citibank Promo Updates
3/11/08 - Savings Account Rate Cuts by Countrywide, ING Direct and Citibank
1/29/08 - More Falling Savings Account and CD Rates
12/9/07 - $200 Citibank Checking Account Promotion
11/19/07 - Extended 5% Cash Back Promo for Citi Dividend Credit Cards
11/7/07 - Another Round of Falling Rates: CitiBank, Cap One, WaMu, iGoBanking, ...
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
2/9/07 - 6% Savings Account Promos Like Yesterday's Toasters
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

Best Bank ever

This is the best bank I've ever worked with hands down. Other banks I've dealt with have been beyond terrible (looking at you Wells Fargo). The customer service is always trying to help me and the bank gives me the tools to make my life easier with their website and mobile app. I couldn't recommend this bank enough. Opening a savings and checking account has never been so easy and painless. Depositing money and withdrawing is also a very easy and fast process.

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.

My Citibank Experience

Overall, my experience with Citibank has been overwhelmingly positive. I have banked with them since I was 18 years old, which was 12 years ago. As technology has improved, Citibank has been quick to adapt. I was among the first in the United States to receive a secure debit card with a chip in it. Citibank was also one of the first to offer free mobile deposits for checking. Depositing checks on mobile devices is very quick, as it often posts the same day if I complete it in the morning. The wait time to get a hold of someone on the phone is usually very short. My only complaint about Citi is the cost of the checks. I go to a 3rd party vendor to save money on my checking costs. I do enjoy that the branch has hours on Saturday as most banks in my area do not.

Online Banking

Citi bank is a decent online banking experience. I opened a basic checking account with them and it took them about 2 weeks to send me my card and checkbook. Money that I transfer from other accounts is wired pretty quickly usually within 2 business days and is available for withdrawal. My account is easy to access and the mobile app is pretty efficient too. The mobile snapshot on the app is useful as well allowing me to see my balance without the hassle of logging in. So far I have used my account for both online and in store purchases with very little problems. I am overall very happy with this bank and will probably look into opening a savings account with them soon.

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Health

Health Grade Components

Overall
FDIC Certificate #7213
Year Established1812
Employees159430
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD8.72%
Annual Interest Income$47.08B
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1,349.6B$1,299.8B
LoansQ4 2016vs Q4 2015$584.7B$576.1B
DepositsQ4 2016vs Q4 2015$945.7B$915.2B
Equity CapitalQ4 2016vs Q4 2015$144.3B$144.7B
Loan Loss AllowanceQ4 2016vs Q4 2015$10.47B$10.85B
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$6.91B$6.05B
Real Estate OwnedQ4 2016vs Q4 2015$112.0MM$116.0MM
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$500k*-Citibank Savings Plus Account - Citigold
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $25k | 0.06% $25k - $100k | 0.08% $100k - $500k
0.10%*$500k*-Citi Savings Account - Citigold
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $25k | 0.06% $25k - $100k | 0.08% $100k - $500k
0.10%*$500k*-Citibank Savings Plus Account- Citi Priority
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $25k | 0.06% $25k - $100k | 0.08% $100k - $500k
0.10%*$500k*-Citi Savings Account- Citi Priority
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $25k | 0.06% $25k - $100k | 0.08% $100k - $500k
0.08%*$500k*-Citibank Savings Plus Account
OTHER TIERS: 0.01% Up to $10k | 0.03% $10k - $25k | 0.04% $25k - $100k | 0.06% $100k - $500k
0.08%*$500k*-Citi Savings Account
OTHER TIERS: 0.01% Up to $10k | 0.03% $10k - $25k | 0.04% $25k - $100k | 0.06% $100k - $500k

Citibank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$500-Citigold Interest Checking
0.03%--Interest Checking- Citi Priority
0.01%$100-Interest Checking Account
0.01%--Citi Basic Banking Package
0.01%--Citi Access Account Package
0.01%--Basic Banking Package
0.01%--Access Account Package

Citibank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$10k*-2 Year 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-18 Month 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

Citibank has 1,050 locations. Click to view all Citibank locations.