Citigold Private Client - Benefits & Privileges

Global & Travel

As a Citigold Private Client customer, your global benefits extend beyond banking and investing to include lifestyle benefits at home and abroad—including unlimited refunds on ATM fees at non-Citibank ATMs worldwide¹, no debit card foreign exchange on purchases with your Citigold Private Client Debit Card², and relaxing in one of Citi’s lounges around the world.

Lifestyle Experiences

Expand your knowledge with financial education, enjoy top entertainment, or applaud a memorable performance. Citigold Private Client customers have access to behind-the-scenes experiences, invitations to private events, and complimentary admission to numerous top cultural institutions.

Speak to your Dedicated Wealth Team for more information. Sign On to schedule an appointment.

World Debit Mastercard^®

Get perks through your World Debit Mastercard^® with Mastercard Travel and Lifestyle Services, access the Luxury Hotels and Resort Portfolio; Hotel Stay Guarantee; Lowest Hotel Rate Guarantee; and special savings on private jet, chauffeured car service, rental car.

Call Toll Free (US): 1-855-898-1978 | For TTY: We accept 711 or other Relay Service.

Global & Travel
Lifestyle Experiences
World Debit Mastercard

Global & Travel

Enjoy Citi benefits when you travel.

Citigold Lounges & Client Centers

Whether you’re in your home city or traveling abroad, you have access to Citigold lounges in cities around the world. Take a break to relax and recharge, attend unique invitation-only events, and meet with Citi financial professionals in a private setting.

Find a Citigold Lounge

couple arm-in-arm with big ben in the background

No ATM or Foreign Exchange Fees^{1, 2}

Travel across the globe with the freedom of using any ATM, while enjoying waived ATM foreign exchange fees and unlimited refunds on ATM fees charged by other banks.

Find an ATM

woman getting picture taken in front of the eiffel tower

World Wallet Currency Exchange³

If you need foreign currency, you have access to next business day delivery of foreign currencies to your home, office, or nearest branch. Plus, you get waived foreign exchange fees and waived delivery fees as a Citigold Private Client. Currency conversions are done at competitive currency exchange rates. Your order will be debited from your Citibank checking, savings, or money market account.

Call: 1-800-756-7050 (option 2) by 3pm CST
24 hr. Exchange Rate Hotline: 1-800-756-7050 (option 1)
Toll-free International: 1-210-677-0065
Speech and Hearing Impaired Customers, dial 711

Unused Foreign Bank Note Exchange

If you return from traveling with unused foreign banknotes, you can exchange them for U.S. dollars at any Citibank branch .

two men stopped on bicycles looking at a map

Home Connect Customer Service⁴

Home Connect service provides toll-free access to your local Citigold service center from select foreign countries.

Call Toll-Free: 1-800-CITICODE
Call Collect: 1-210-677-3789

Emergency Cash⁵

Citi is by your side when you are traveling and you need cash for eligible emergencies (up to $10,000 per day from the available funds in your Citigold Private Client Account).

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

Visit a Citibank Branch

couple ordering dinner at candlelit table

The Citigold Concierge Service⁶

The complimentary Citigold Concierge service helps clients book reservations, tickets and vacations.

Email your Citigold Concierge: goldconcierge@yourconciergecenter.com

Lifestyle Experiences

Delight in unique experiences.

Educational Events

Hear timely insights on the economy, learn from Citi’s top strategists, or access an informative webcast from anywhere.

group of people chatting with champagne glass in hand

Behind-the-Scenes Experiences

Enjoy behind-the-scenes experiences from private dinners with top chefs to VIP access at music, theater, and entertainment events.

man in a stand, celebrating a score from the team he supports

Sporting Events

Experience a game with Citigold-only access, meet notable sports personalities, or pick up tickets with Citi discounts (subject to availability).

Citigold Culture Pass

Enjoy cultural experiences with complimentary access and discounted tickets at a curated group of museums and performing arts organizations.

Learn More

couple on citi bikes with brooklyn bridge in background

Citi Bike membership

Citigold clients can sign up for a complimentary, one–year Citi Bike membership.⁷ Bike at your convenience from more than 1,700 bike stations around NYC, compliments of Citigold.

To access this benefit, contact your Citigold Private Client Wealth Team.

World Debit Mastercard^®

A bank card that brings you more.

Mastercard Travel & Lifestyle Services

Online booking and exclusive travel offers, plus 24/7 on-call assistance with your travel needs.^††

^†† Certain terms, conditions, and exclusions apply.

Visit Travel & Lifestyle Portal

family looking overboard on a city leisure boat

Priceless.com

Access to experiences and offers in a variety of passion categories including Shopping, Culinary, Music & Entertainment, Travel, Arts & Culture and Sports.

Learn More

Priceless Golf

Exclusive golf offers and experiences in partnership with the PGA TOUR^®, plus access to our Golf Concierge Service.

Learn More

Mastercard^® Guide to Benefits for Debit Cardholders

Citi is here to help you meet your financial goals.

Sign On to schedule an appointment with your Wealth Team.

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.

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.

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 eligible for Citigold. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts.
Citibank will not charge you a foreign exchange fee for purchase or withdrawal transactions when you use your Citibank Banking Card outside the U.S. and Puerto Rico.
Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service. Restrictions and delivery charges may apply.
Access a Home Connect Customer Service Representative by calling the international collect number for Citibank customers at 210-677-0065. For Citigold clients, call 1-800-CITICODE or call collect at 210-677-3789.
Limits, restrictions and fees may apply and vary by country. Not available in all countries.
The 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.
Complimentary, one–year Citi Bike memberships for Citigold Private Clients are limited to two (2) per household for households located in New York, New Jersey, or Connecticut only. A Citi Bike annual membership includes unlimited 45–minute rides on a classic bike. Any extra fees beyond the cost of the annual membership, including but not limited to fees incurred for any extra time, ebike upgrades, or lost/stolen bikes, are not included in the annual membership and are the responsibility of the Citi Bike member. Subject to availability and change in terms at any time.

For more information about the Citi Bike program and annual membership, visit https://www.citibikenyc.com/.

The Citi Bike^® Program in New York is operated by Lyft Bikes and Scooters, LLC. Citibank, N.A. and Lyft Bikes and Scooters, LLC are not affiliated companies and Citibank, N.A. has no liability for the operation of the program. Citi Bike, Citi Bike and Arc Design and the Blue Wave are registered service marks of Citigroup Inc.

Citigold Culture Pass. For customers in the Citigold Relationship Tier or Citigold Private Client Relationship Tier, Museum of Modern Art (MoMA), Museum of the City of New York (MCNY), Solomon R. Guggenheim Museum (Guggenheim) and The New York Botanical Garden (NYBG) benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) for a client and one guest. Subject to availability. Subject to change at any time. Exchanges subject to availability. No refunds.

Ticket(s) must be purchased in advance. To purchase ticket(s) online using Citigold Culture Pass, please click “Get Offer Code” to reach out to your Relationship Manager or Wealth Advisor to obtain a Unique Code. If your code does not work, please reach out for a new code.

To enter, you will be required to present your ticket, a Citigold or Citigold Private Client Debit Card (as applicable) and a valid ID.

MOMA and MCNY — Subject to availability, you may be able to purchase your tickets with your Unique Code in person the same day of entry.

Guggenheim benefit is available at the New York City museum location only. Visitors must book advance tickets online at http://guggenheim.org by selecting the “Affiliates” option and choosing “Citigold Cardholder.” In addition to the above requirements, you may be required to present your Citigold or Citigold Private Client World Debit Mastercard® for entry.

The New York Botanical Garden offers complimentary All-Garden Pass admission. Restrictions may apply when entry to the Garden is moderated by timed ticketing; Holiday Train Show may be subject to limited blackout dates. Reserve a time online to visit the Garden in advance.

Citi is not affiliated with MoMA, MCNY, Guggenheim or the NYBG.

^†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), Museum of the City of New York (MCNY), Solomon R. Guggenheim Museum (Guggenheim) and The New York Botanical Garden (NYBG) benefit provides complimentary daytime admission (weekdays and weekends during normal business hours) for a client and one guest. Subject to availability. Subject to change at any time. Exchanges subject to availability. No refunds.

Ticket(s) must be purchased in advance. To purchase ticket(s) online using Citigold Culture Pass, please click "Get Offer Code" to reach out to your Relationship Manager or Wealth Advisor to obtain a Unique Code. If your code does not work, please reach out for a new code.

To enter, you will be required to present your ticket, a Citigold or Citigold Private Client Debit Card (as applicable) and a valid ID.

MOMA and MCNY — Subject to availability, you may be able to purchase your tickets with your Unique Code in person the same day of entry.

Guggenheim benefit is available at the New York City Museum location only. Ticket reservation must be completed in person. You may be required to present your Citigold or Citigold Private Client World Debit Mastercard^® for entry.

The New York Botanical Garden offers complimentary All-Garden Pass admission. Restrictions may apply when entry to the Garden is moderated by timed ticketing; Holiday Train Show may be subject to limited blackout dates. Reserve a time online to visit the Garden in advance.

Citi is not affiliated with MoMA, MCNY, Guggenheim or the NYBG.

For more information about the Citigold Culture Pass visit https://citigold.citi.com/culturepass/

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.

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

***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.

Benefits that
help
you make
memories.

Global & Travel

Lifestyle Experiences

World Debit Mastercard^®