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

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

Citi Increases 12-Month NP CD To 4.05% On 1-25-2023 - 1/26/2023

Citi increased the rate on their 12-month NP CD to 4.05% from 3.40% on 1-25-2023. It appears this rate increase could position Citi in 5th place on Ken’s “No-Penalty CDs” list within the (1-25-2023) Latest Liquid Bank Account Rates blog. The rates on Citi’s other CDs remain the same.  Current Citi CD rates include: 3-month CD @ 3.25% (no change) 12-month NP CD @ 4.05% (was 3.40%) 1-year CD @ 4.15% (no change) 18-month CD @ 4.15% (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:

Citi HYSA And CD Rate Changes As Of 11-23-2022 - 11/26/2022

Citi rate changes as of 11-23-2022 include: High Yield Savings Account @ 3.25% (was 3.10%), 3-month CD @ 3.25% (was 0.05%), 12-month NP CD @ 3.10% (no change), 1-year CD @ 4.15% (was 4.00%), 18-month CD @ 4.15% (was 4.00%), The rates that Citi offer vary depending on location. To view the rates in your region see:

View all posts from:

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 (276)

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?


Great Credit Card But Difficult Online Services

The 2% cash back credit card is very good, but you need their debit card in order to manually add an external account or to make an online payment from your checking account.

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.

Citi Fraud Department

Posted by: |

At the end of December 2022, I saw Citibank's new account promotion, "Deposit and maintain a balance of at least $75,000: $1,000 cash bonus," and decided to use it. I opened an account and transferred 75K from a Wells Fargo checking account that my husband and I are using jointly as our main checking account. When I tried to check if the money had reached the Citibank, I discovered that I couldn't log in. I called Citibank customer service and was referred to your fraud prevention department (844-856-8815 option 4). I called them, and my nightmare began.

Most of the representatives I talked to at that number had a very heavy accent. So much so that I couldn't understand half the words they were saying, but the worst part is that they didn't understand my words. I was advised that my account is marked for closure because of a "third party transaction." I tried to explain that I transferred the money from my joint account with my husband. We even pay our joint citi credit card from the same account every month for 6 years. It led nowhere.

The first representative advised me to contact Wells Fargo and reverse the transaction. I did, which turned out to be completely wrong advice because Wells Fargo determined that it was a legit transfer, not a fraudulent one, which they couldn't reverse.

I contacted the Citibank fraud prevention department again and tried to reach a supervisor. I've been promised a call in 48 hours. Nobody bothered to call.

Then I called again and was advised that I needed to go to the local branch with my husband and submit paper proof that he was my husband.

We went to the branch. The banker checked the notes on my account and discovered that a representative from the citi fraud prevention department wrote on my account that the funds were transferred from my cousin, not my husband's and my joint account. I guess, the language and cultural barrier prevented him from understanding that a husband and a wife could have different last names.

We submitted all the paperwork (our passports, marriage certificate, driver licenses, Wells Fargo checkbook with both our names, joint tax return for the last year, and our children's birth certificates) at the branch and were assured that the account will be reopened in the same magical "48 hours". 48 has passed, and nothing has changed.

As a next step, I contacted citi executive resolution team. They were eager to help, but they have absolutely no power over fraud department. They claimed that they received no documents (although I submitted them twice: in the branch and to executive resolution team) and they can’t reverse the course once they decided to close an account. I was advised to wait 90 days and expect a check in the mail sometime after that.

Then I wrote a complaint to OCC and CFPB.
It looks that this did the trick. In 2 weeks citi did send me a check for $75k.

Needless to say, nor I, not my husband will never do business with citi ever again.



Health Grade Components

FDIC Certificate #7213
Year Established1812
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD10.99%
Annual Interest Income$21.57B
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$1,721.5B$1,718B
LoansQ1 2023vs Q1 2022$614.3B$648.9B
DepositsQ1 2023vs Q1 2022$1,355.3B$1,373.4B
Equity CapitalQ1 2023vs Q1 2022$167.5B$164.2B
Loan Loss AllowanceQ1 2023vs Q1 2022$15.62B$13.94B
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$4.29B$5.14B
Real Estate OwnedQ1 2023vs Q1 2022$16.0MM$23.0MM
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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

4.05%$1-Citi Accelerate Savings

Citi Checking Account Rates

0.00%--Citi Priority

Citi CD Rates

4.75%*$100k*-9 Month CD
OTHER TIERS: 4.05% $500 - $100k
4.05%$500-1 Year CD
4.05%$500-18 Month CD
3.00%*$100k*-11 Month CD
OTHER TIERS: 2.00% $500 - $100k
2.50%$500-2 Year CD
2.50%$500-3 Year CD
2.50%$500-4 Year CD
2.50%$500-5 Year CD
1.10%$500-6 Month CD
0.10%$500-30 Month CD
0.10%$500-13 Month CD
0.10%$500-14 Month CD
0.10%$500-15 Month CD
0.10%$500-30 Month Step Up CD
0.05%$500-3 Month CD
0.05%$500-4 Month CD
0.05%$500-5 Month CD
0.05%$500-7 Month CD
0.05%$500-8 Month CD
0.05%$500-10 Month CD
0.05%$500-12 Month No Penalty CD


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