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A Wealth of Opportunity.

Welcome to Citigold Private Client - an elevated financial relationship
that provides a higher level of service and wealth management.

Explore the Benefits of Citigold Private Client

Citigold Private Client is designed for clients who maintain a minimum combined average monthly balance of at least $1,000,000 in eligible linked deposit, retirement, and investment accounts†.

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Dedicated Wealth Team

Your Dedicated Wealth team is here to offer you professional guidance, premier banking, valuable insights, advanced financial planning and recommend sophisticated investment strategies. Plus, the 24/7 service center delivers immediate access to additional support anytime.

Learn More on Wealth Team
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Advanced Wealth Planning

Your financial needs may be complex but planning for them does not have to be. You have access to advanced planning strategies, trust & estate services, high-net-worth services, premier investment products and insights.

Learn More on Advanced Wealth Planning
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Robust Investment Capabilities

Gain access to a full spectrum of investment capabilities from Citi Personal Wealth Management with the guidance of a Wealth Advisor and an entrée to digital investments tools at your fingertips.

Learn More on Robust Investment Capabilities
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Premier Banking

Enjoy day-to-day conveniences like higher ATM withdrawal limits and waived fees, and longer-term considerations, such as how cash management fits into a detailed financial plan§.

Learn More on Premier Banking
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Credit Cards

Citi offers a wide array of credit card options. Choose the features that matter most to you, including travel benefits, rewards points, and more.

Learn More on Credit Cards
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Benefits & Privileges

Whether you’re seeking adventure or want a quiet moment to step outside of your day-to-day, your Citigold Private Client relationship can take you places.

Learn More on Benefits and Privileges
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Earn $500 for every referral

When you refer new-to-Citi friends or family, and they open an eligible Citibank® consumer checking account, you can earn $500 for every qualified referral, up to a maximum of 20 referral bonuses.

Learn More about how to earn $500 for qualified referrals

What is a Wealth of Opportunity?

The freedom to pursue new options and possibilities, the ability to pivot, and a focus on what is most meaningful.

  • Stories inspired by Citigold Private Clients

    Our parents worked hard to achieve their success and provide us with a comfortable lifestyle that they themselves did not have ... comfortable lifestyle that they themselves did not have growing up. To pay it forward, we are setting up a scholarship fund at our alma mater, to honor our parents’ legacy while helping others pursue the path to success.

    Stories for illustrative purposes only.

    Stories for illustrative purposes only.
  • Stories inspired by Citigold Private Clients

    My wife and I just bought a new home and have our first baby on the way. We know that we are well off financially, but that’s a lot ... way. We know that we are well off financially, but that’s a lot of change at once, and we want to ensure we’ve protected our estate. It has been great knowing that we can cover our home buying, banking, financial planning, and estate planning needs through Citigold Private Client, with the ongoing support of our team.

    Stories for illustrative purposes only.

    Stories for illustrative purposes only.
  • Stories inspired by Citigold Private Clients

    I’m retired, and this gives me the opportunity to support a lot of causes I care about. I can be at a gala fundraiser one night and ... causes I care about. I can be at a gala fundraiser one night and then volunteer at a community garden the next day. On the financial side, my Wealth Advisor helped me develop a charitable giving plan that creates tax efficiencies for my portfolio while benefiting organizations that are important to me.

    Stories for illustrative purposes only.

    Stories for illustrative purposes only.
  • Stories inspired by Citigold Private Clients

    With my first child, I wasn’t sure how the cost of college would impact my own retirement. Then I met my Wealth Team, and ... own retirement. Then I met my Wealth Team, and they pointed out trusts and other strategies they could put in place to help with my overall financial picture. By the time my youngest went to college, I told her she could go wherever she wanted — we had it covered.

    Stories for illustrative purposes only.
  • Stories inspired by Citigold Private Clients

    My family is always so busy with the kids’ school and activities, our jobs, and daily life. We decided to take a spur of the moment trip ... and daily life. We decided to take a spur of the moment trip to Europe to spend some family time together. I really appreciated the financial freedom to be spontaneous. On top of that, I was also able to leverage many of Citi’s travel benefits to make the trip even more memorable.

    Stories for illustrative purposes only.

    Stories for illustrative purposes only.

A Wealth of Knowledge at Your Fingertips

Citigold Private Client customers have access to perspectives backed by extensive market knowledge and intellectual capital. Citi’s top strategists provide timely insights on the economy and the markets through monthly Market Snapshots and client communications, webcasts, and events.

Ready to Get Started?

Call: 1-888-500-5008   |   For TTY: We accept 711 or other Relay Service.

Or Contact Us today to learn more about Citigold Private Client and we will call you back shortly.

Citi is here to help you meet your financial goals.

Sign On to schedule an appointment with your Wealth Team.

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If you would like to start another Citigold Private Client relationship call the
Citigold Private Client Services Center:
1-888-500-5008 | For TTY: We accept 711 or other Relay Service.

We're honored to be named a Kiplinger's Best Bank seven years running*

Kiplinger's BEST BANKS 2023 - 7 YEARS IN A ROW! Citibank: Citigold® - Best Banks - 'High-Net-Worth Clients'
INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED
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Important Information for You to Know About Our Business and Relationship With You

We are required to deliver two important disclosure documents about our business and relationship with you:

  • Form Client Relationship Summary ("Form CRS") is a brief summary of the brokerage and advisory services we offer.
  • Regulation Best Interest Disclosure Statement and Related Information for Retirement Accounts is a more detailed description of the brokerage services we offer and our obligations under Regulation Best Interest when we make recommendations to you as your broker-dealer.

Please review both of these important documents online at https://www.citi.com/investorinfo/.
If you prefer paper copies, please contact your advisor or call us at (800) 846-5200. | For TTY: We accept 711 or other Relay Service.

Citigroup Inc. and its affiliates do not provide tax or legal advice.

As a Citigold Private Client, you can receive banking and lending services, including the Citigold Private Client Relationship Tier, from Citibank, N.A. (“Citibank”), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC(license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

For insurance and investments, Wealth Relationship Managers offer only term and single premium life insurance and fixed annuities. If a potential need is identified for, or you express an interest in, other insurance or investment products, you will be referred to a financial professional who offers those products. The purchase of fixed insurance and annuity products will require for administrative purposes the opening of a limited purpose investment account, that will not accommodate securities transactions.

Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App. You must have Internet access through your mobile device and charges from your wireless carrier may apply.

* From Kiplinger’s Personal Finance. ©2023 The Kiplinger Washington Editors. All rights reserved. Used under license.

†Product & Pricing Information

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Pricing & Fee Waivers

Account Monthly Service Fees* and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:

Deposit Account Monthly Service Fee
Access Checking $5.00
Regular Checking $15.00
Savings*** $4.50

*Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.

**An EDD is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.

***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.

Accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion.

Relationship Tier & Re-Tiering Information

Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to Relationship Customers”) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship Customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening. We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month. All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Client Manual Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are not EDI accounts: accounts owned by Estates, accounts that are not consumer accounts, COMMA accounts, accounts in a money purchase plan or profit sharing plan, accounts opened through Citi Alliance, accounts opened through Citi Private Bank, and accounts opened through the International Personal Bank.

Re-Tiering will begin reviewing your CAMB in the first full month after account opening, however it takes three full months of CAMB to be impacted by the Re-Tiering process. New to Relationship Customers will not be impacted by Re-Tiering until the 1st day of the fourth full month after account opening. The Relationship Tier for existing customers can change in any month. To move to a higher Relationship Tier, you must sustain that Relationship Tier’s minimum Balance Range for three consecutive calendar months. If you want to maintain your Relationship Tier, you need to make sure your CAMB does not drop below your Relationship Tier’s minimum Balance Range for three consecutive calendar months. When you are automatically Re-Tiered, we’ll inform you of your new Relationship Tier on your Account Statement. You may opt-out of Relationship Tiers, and the Re-Tiering process, by speaking to a banker in a branch or calling Citiphone banking.

§Additional Information

Please review your Client Manual Agreement for a complete list of waived and reduced fees.

Not all benefits are available at account opening.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Everyday Benefits

All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.

Citi Mobile App and Mobile Check Deposit. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile app or the Mobile Check Deposit service. However, you must have a Web-enabled cell or smartphone to use the Citi Mobile app or Mobile Check Deposit service and charges from your wireless carrier may apply. Citibank is not responsible for products and services offered by other companies. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.

No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.

You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. A Fee for Deposited Check Returned Unpaid may be assessed for deposited checks that are returned unpaid.

Zelle Payments. Zelle® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle® should only be used to send money to those you know and trust. Neither Citibank nor Zelle® offer a protection program for any authorized payments made with Zelle® — for example, if you make a purchase using Zelle® but you do not receive the item or the item is not as described or as you expected. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Commission-free Trading. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile® App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. Account service fees may also apply. There are other costs associated with ETF and mutual fund investing, such as management fees and expenses.

Citi Self Invest. Citi Self Invest is a digital self-directed investment platform of Citi Personal Wealth Management.

Citi Mortgage Relationship Pricing. A Citibank deposit account and automated monthly transfers of the mortgage payment from a Citibank personal deposit account using automated drafting will be required to receive Citibank mortgage relationship pricing. Ask a mortgage representative for details on eligible balances and the qualifying closing cost credit or rate discount. Availability of the Citibank mortgage relationship pricing for Citibank account holders is subject to change without notice.

Lending products offered by Citibank, N.A. NMLS ID 412915. Equal Housing Lender.

Citi Priority Benefits

Everyday benefits information above, plus:

As a Citi Priority client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.

Increased Limits. Increased limits for Zelle® transfers, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.

Citi Personal Wealth Management Investment Account Fee Waiver. The annual fee for Citi Personal Wealth Management Investment accounts is waived for the Citi Priority, Citigold and Citigold Private Client Relationship Tiers.

Discounts on Citi Personal Loans. Personal loans and lines subject to credit approval. Certain limitations may apply.

Citigold Benefits

Citi Priority benefits information above, plus:

As a Citigold client, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi does not provide tax or legal advice.

Wire Transfer Fee Waiver. The wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank’s exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Client Manual Agreement for additional information.

Citigold Standard Design Checkbook Waiver. Fees for Citigold standard design checkbook are waived. A fee will be charged for non-standard design checkbook order (includes non-standard design, non-standard lettering, non-standard cover and non-standard logos).

Other Waived Fees. Please review your Client Manual Agreement for a complete list of waived and reduced fees and charges for the Citigold Relationship Tier.

Citigold Concierge. Citigold Concierge is the name of the service provided by Aspire Lifestyles for Citigold clients on behalf of Citigroup Inc. Citigroup Inc. and Aspire Lifestyles are not affiliated companies.

Access to Citigold Lounges. Verification of Citigold status may be required for access to Citigold lounges in the form of a photo ID and a current Citigold debit card or other proof of current Citigold status. Citigold lounges may have varying degrees of amenities offered, may have differing policies on admittance, and may restrict admittance during the times of invitation-only functions. The depiction of some Citigold lounges may be based on artist rendering or representative real estate. Opening hours and days may change due to the holidays, natural disasters, and other events. Citigold clients may obtain the most up-to-date information on the Citigold lounges available to them by contacting their dedicated team.

Citigold Culture Pass. Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum, Museum of the City of New York, Los Angeles County Museum of Art (LACMA) and The New York Botanical Garden benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) plus one (1) guest during regular business hours.

Solomon R. Guggenheim Museum benefit is available at the New York City museum location only.

Benefits are valid during 2023 and benefits are subject to change at any time.

Citi is not affiliated with the MoMA, Solomon R. Guggenheim Museum, The New York Botanical Garden, LACMA and the Museum of the City of New York.

Kiplinger’s Best Bank Award. From Kiplinger’s Personal Finance © 2022. The Kiplinger Washington Editors. All rights reserved. Used under license. Learn more about Kiplinger’s Best Bank Award.

ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.

  • Toll-free Access. Toll-free access to the U.S. Citigold Service Center when traveling requires a checking account and Citigold Relationship Tier.

  • Citigold Subscription Rebate Program.

    This is a Citi sponsored program for eligible Citigold customers.

    TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

    Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:

    Costco Purchase on Costco’s website, over phone or in Costco warehouses
    TSA PreCheck® Purchase at enrollment centers after applying online
    Hulu®, Amazon Prime®, Spotify Premium, Global Entry Purchase on merchant websites

    Eligible Customers must be Citigold customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.

    “Costco” is a registered trademark of Costco Wholesale Corporation.

    The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.

    PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

    The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

    Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Citigold Private Client Benefits

Citigold® benefits information above, plus:

As a Citigold Private Client customer, you can receive banking and lending services from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citigroup does not provide tax or legal advice.

Increased Mobile Check Deposit Limits. The increased mobile check deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than six (6) months or to customers with a deposit account, retirement account, loan or line of credit (excluding a credit card or first mortgage) on which they are either an owner or signer in any of the following banking relationships: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive.

Citigold Private Client Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold Private Client customers.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Select Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:

Costco Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck® Purchase at enrollment centers after applying online
Hulu®, Amazon Prime®, Spotify Premium, Global Entry, Blade® Purchase on merchant websites
The Wall Street Journal Purchase on The Wall Street Journal website or over phone

Eligible Customers must be Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance. Cash back rebates should post within 7 Business Days of your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.

The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.

Account Monthly Service Fees* and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived for Regular Checking accounts and Access Checking accounts 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:

Deposit Account Monthly Service Fee
Access Checking $5.00
Regular Checking $15.00
Savings*** $4.50

*Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Client Manual Agreement. Please also carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks.

**An EDD is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit.

***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.

For full terms and conditions please view the Client Manual Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or resident and at least 18 years old. You’ll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or ITIN.

Deposit and Lending products are provided by Citibank, N.A. NMLS ID 412915. Equal Housing Lender and Member FDIC. Only bank deposit products are FDIC insured.

The funds in your Deposit Account at each Program Bank are eligible for insurance by the FDIC up to $250,000 (including principal and accrued interest) per depositor in each insurable capacity (e.g., individual, joint account, IRA, etc.). To learn more please visit FDIC.

© 2023 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

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