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Citigold Private Client
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Banking that opens the door to a spectrum of benefits.

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.

Explore Citigold Private Client Banking Benefits

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Premier Banking

  • Unlimited refunds on ATM fees at non-Citibank ATMs worldwide.1
  • Unique Citigold Private Client metal debit card with World Debit Mastercard® benefits. See the Mastercard® Guide to Benefits for Debit Cardholders.
  • Higher daily limits on ATM/Debit Card cash withdrawals and higher limits with Debit Card purchases.2
  • No foreign exchange fees on purchases with your Citigold Private Client debit card3 and no foreign transaction fees at Citibank ATMs around the world.
  • Waived fees for standard or personalized checkbook orders, stop payments, overdrafts, incoming and outgoing wire transfers, and money orders.
  • Relationship pricing on mortgages and select credit products.
  • No monthly service fee on your checking account in the Citigold Account package.*
  • Pay your bills online, view account activity and deposit checks from your mobile device with the highest daily limits.4
  • Make domestic and international money transfers to another eligible Citi account without any transfer fees using the Citibank Global Transfer Service.5
  • Easily transfer money between your checking, savings, and linked investment accounts.
  • Send money to family and friends within minutes using Zelle® person-to-person payment service.6

*Please review your Client Manual — Consumer Accounts and Marketplace Addendum for a complete list of waived and reduced fees for your Citigold Account Package.

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White-Glove Service

  • A Citigold Private Client Wealth Team, including a Wealth Advisor for your advanced planning and investing needs, a Wealth Relationship Manager, and access to a team of additional specialists.
  • A Citigold Private Client service center, available 24 hours a day, seven days a week and a remote relationship management team so you can manage your financial life even on the go.
  • A Citigold Concierge who can help with restaurant reservations, travel planning, tickets to shows and concerts, and more.
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World Debit Mastercard®Peace of Mind Benefits

  • Mastercard Zero Liability Protection — Protects you against any unauthorized purchases on your card if your card is lost or stolen. *
  • Extended Warranty — Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand’s warranty for a maximum of one year.†
  • Satisfaction Guarantee — If you become dissatisfied with a product you purchase using your eligible Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.††
  • Purchase Assurance — Purchase Assurance from Mastercard may protect you against accidental damage or theft of items that were purchased with your eligible Mastercard.†

To file a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466.

*Certain terms, conditions and exclusions apply. Please consult the Citibank Client Manual and Marketplace Addendum for important conditions and limitations.

†Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.

††Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by AIG Warranty Guard, Inc., an AIG company. Policy provides secondary coverage only.

Note: These benefits are available when using your Citigold Private Client Debit Card to make a purchase. Terms, conditions and restrictions apply. You will be provided with more information and coverages in an Explanation to Benefits. Benefits are not provided by Citibank and Mastercard or its service providers are solely responsible for providing them.

Enhanced Mobile Experience

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Enhanced Mobile Experience

  • No-fee online equity trades, available only to Citigold Private Clients.
  • Transfer funds between banking and brokerage accounts.
  • View statements and positions.
  • Move money abroad with Citi Global Transfers.
  • Enhanced security with Trusted Identity features.
  • Brokerage account opening
  • Convenient account management with mobile check deposit, online statements, and custom account alerts.
  • A robust online library of financial education, including exclusive Citigold content.
  • Click-to-call access to your Wealth Team.

Download the Citi Mobile App4

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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

Ready to Get Started? Citi is here to help you meet your financial goals.

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

Or Contact Us today to learn more about Citigold Private Client and a Wealth Relationship Manager will call you back shortly.

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 | TTY: We accept 711 or other Relay Service.

Frequently Asked Questions

What is Citigold Private Client?

Citigold Private Client is the highest banking tier at Citibank, with premier investing from Citi Personal Wealth Management and numerous lifestyle benefits.

What are the key benefits of a Citigold Private Client relationship?

Citigold Private Client provides a wealth of opportunity for you and your family. With a Citigold Private Client relationship, you have a Wealth Team, advanced wealth planning, additional investing opportunities, premier banking, lifestyle benefits and privileges.

How do I begin a Citigold Private Client relationship?

A Citigold Private Client relationship starts with a checking account in a Citigold Account Package. To remain a Citigold Private Client, maintain a minimum combined average monthly balance of $1,000,000 in eligible linked banking, retirement and investment accounts.

Visit a Citibank Branch or call 1-888-500-5008 | TTY: We accept 711 or other Relay Service.

Is there a monthly service fee?

There is no monthly service fee for the Citigold Account Package for Citigold Private Clients.

I already have a Citibank account, how do I upgrade to a Citigold Private Client relationship?

Simply Sign On and follow the steps to open an account, call or visit a Citibank branch.

How do I find a Citigold lounge or Citigold Client Center?

Citigold Private Clients have access to lounges located in cities around the world. Find a Citigold lounge at https://citigoldlounges.citi.com

What is the customer service number for Citigold Private Client?

The dedicated service line for Citigold Private Client is 1-888-500-5008 | TTY: We accept 711 or other Relay Service.. You can reach a representative 24 hours a day, seven days a week.

How do I make an appointment with my Wealth Team?

Sign On and schedule an appointment online.

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Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

* Requires a checking account in The Citigold Account Package. There is no monthly service fee for accounts in The Citigold Account Package. If you do not maintain a minimum combined average monthly balance of $1,000,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to The Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package. We will contact you prior to account conversion and send you complete information about the banking package to which your account will be converted.

As a Citigold Private Client, you can receive banking and lending services, including The Citigold Account Package, 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.

  1. 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 Private Client. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts.
  2. Limits, restrictions and fees may apply and vary by country. Not available in all countries.
  3. Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico.
  4. Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App or the Mobile Check Deposit service. You must have Internet access through your mobile device and charges from your wireless carrier may apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.
  5. Customer must have a checking, savings or money market account to send a Citibank Global Transfer. Transfer limits apply and are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. The Citibank Global Transfer Service is available only in participating locations. Citibank Global Transfers initiated from a U.S. savings or money market account are included in the six preauthorized or automatic transfers permitted each statement period.
  6. For the protection of your account, Zelle should only be used to send money to friends, family or others you trust. Sending money through Zelle is similar to making a payment in cash. 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. Zelle® Transfers through Citibank Online and the Citi Mobile® App are subject to terms, conditions and restrictions in the Citibank Zelle Transfer Terms and Conditions and the Citibank Client Manual-Consumer Accounts.

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