Citi

Overview / Commentary

www.citi.com

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.

Citibank Brokered CD's - 9/21/2023

Citibank has also jumped in on 2 short term CD's at Fidelity. They have 6 month and a 1 year non callable CD's at 5.5%

OSA and Multiple CD Rates Changed - 9/12/2023

Online Savings Account moved up from 4.25% to 4.35% 12 Month CD moved up from 4.25% to 4.30% No Penalty 12 Month CD moved from 4.25% to 0.05%

Citi Accelerate Savings Rate Increased To 3.85% APY - 2/8/2023

Notified by email of the increase. Rate was previously 3.4%.

View all posts from:

2023
2022
2021
Earlier

9/21 - Citibank Brokered CD's
9/12 - OSA and Multiple CD Rates Changed
2/8 - Citi Accelerate Savings Rate Increased To 3.85% APY
1/26 - Citi Increases 12-Month NP CD To 4.05% On 1-25-2023

11/26 - Citi HYSA And CD Rate Changes As Of 11-23-2022
11/1 - Citi - 12-Month No Penalty CD @ 3.10%
10/20 - Citi CD Rate Changes For 10-18-2022
8/31 - Citi Rate Changes As Of 8-31-2022
6/19 - Citi Drops Overdraft Fees
4/27 - $2500 SAVINGS BONUS

6/12 - Citi Offering 0%Apr On Purchases Made Through Next Spring…Impact On Credit?

Reviews (285)

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

Posted by: Buckeyes | Aug 5, 2019

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

Posted by: sheldonagibbs | Dec 11, 2020

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: mrshicksbb | Feb 9, 2022

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.

Citi Just Lost A New Customer

Posted by: Mikka262 | Sep 15, 2023

Trying to open a business checking account. Provided contact info on a form through their website. Received a message the next business day. Called back and am still waiting for a response. It's been 4 days. I guess I could keep trying but why bother. If this is their customer service at the start, I can't imagine it getting any better.

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Health

B+

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7213
Year Established	1812
Employees	191081
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.05%
Return on Equity - YTD	10.99%
Annual Interest Income	$21.57B

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1,721.5B$1,718B
Loans	Q1 2023vs Q1 2022	$614.3B$648.9B
Deposits	Q1 2023vs Q1 2022	$1,355.3B$1,373.4B
Equity Capital	Q1 2023vs Q1 2022	$167.5B$164.2B
Loan Loss Allowance	Q1 2023vs Q1 2022	$15.62B$13.94B
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$4.29B$5.14B
Real Estate Owned	Q1 2023vs Q1 2022	$16.0MM$23.0MM

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.35%^†	$1	-	Citi Accelerate Savings

Citi Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.00%^†	-	-	Citi Priority Relationship Tier

Citi CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.90%^*^†	$100k^*	-	9 Month CD
OTHER TIERS: 4.30% → Up to $100k
4.75%^*^†	$100k^*	-	15 Month CD
OTHER TIERS: 4.30% → Up to $100k
4.30%^†	-	-	1 Year CD
2.50%^†	-	-	18 Month CD
2.50%^†	-	-	2 Year CD
2.50%^†	-	-	3 Year CD
2.50%^†	-	-	4 Year CD
2.50%^†	-	-	5 Year CD
1.10%^†	-	-	6 Month 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%^†	-	-	7 Month CD
0.05%^†	-	-	8 Month CD
0.05%^†	-	-	10 Month CD
0.05%^†	-	-	11 Month CD
0.05%^†	-	-	12 Month No Penalty CD