Invest where
opportunity
takes
you.

Higher levels of wealth can mean more
opportunities to invest —
in your family,
your community, and your legacy.

Explore premier investing services

With Citigold Private Client's premier investing services, you can access a collection of investment opportunities, products, services, resources, and insights. Citi has extensive investment reach across global markets, while also providing opportunities for individualized customization.

Alternative investments

Whether you're looking to round out your investment portfolio, enhance return potential, or mitigate risks, you have access to more than 100 alternative investment products through Citi Personal Wealth Management (CPWM).

CPWM offers multiple unique and exclusive private equity and private real estate investment opportunities each year.
If hedge funds are a better fit for your investing needs, CPWM offers access to a number of top-tier fund managers employing numerous investment strategies.
The majority of the Citi Private Bank offerings are exclusive to Citi clients, and Citi clients can receive earlier allocations.

These are complex investments and not suitable for all investors.

Charitable planning

To help you support causes you care about, Citi’s charitable planning strategies provide avenues to integrate your philanthropic goals into your overall investment approach.

CPWM has partnered with American Endowment Foundation (AEF), the largest independent Donor Advised Fund in the U.S.
AEF’s Donor Advised Fund is a charitable investment account that provides simple, flexible, and efficient ways to manage charitable giving.
AEF has the capacity to receive simple assets such as cash and publicly traded securities, as well as privately held stock, real estate, life insurance, and interests in LPs and LLCs, providing additional flexibility for donors.
Donations to AEF continue to be managed by your Wealth Advisor through Multi-Asset Class Solutions, BlackRock Model, Franklin Models or Separately Managed Accounts, allowing greater convenience.

AEF is not affiliated with Citi.

relationship manager talking to a couple

High-net-worth advisory

Citi’s capabilities for high-net-worth clients include specialty products and best-in-class investment resources.

Citigold Private Client customers have access to a unique approach that integrates professional Separately Managed Account (SMA) managers and can include hedge fund portfolios.
For even more customization in unique cases, your dedicated Wealth team can liaise with specialists to create genuinely customized advisory strategies.
Citi offers a breadth of Separately Managed Account strategies through its advisory platform.

Institutional Client Group capabilities

The strength of Citi’s Institutional Client Group’s (ICG) underwriting, distribution capabilities, sales, and trading spans asset classes and currencies as well as sectors and industries — covering a vast array of products including:

Customized Structured Products

Customized notes created specifically around certain sectors or positions for clients.

Tailored Bond Solutions

The high-net-worth bond proposal tool incorporates positions at Citi and outside holdings to show duration, exposure, and credit of all bond holdings.
The high-net-worth report allows the advisor and client to manage income, their positions coming due, and their risk exposure.

Unique service opportunities Your Wealth Advisor has access to Citi’s Institutional Client Group (ICG), another channel for them to discuss customized investment strategies.

three people sharing ideas looking at laptop

Professional investment guidance

Your Citigold Private Client Wealth team can help you develop an investment strategy customized to fit your needs while helping you leverage financial opportunities. Backed by the global resources of Citi, your Wealth team can work with you to build a portfolio that covers multiple asset classes and investment opportunities across the globe.

Your team can also combine your investment strategy into a comprehensive financial plan with considerations such as protection strategies, current and longer-term needs, and advanced estate planning.

With Citigold Private Client's Premier Investing Services, you can access a collection of investment opportunities, products, services, resources, and insights. Citi has extensive investment reach across global markets, while also providing opportunities for individualized customization.

Explore investing

Alternative investments

Charitable planning

High-net-worth advisory

Institutional Client Group capabilities

Professional investment guidance

World-Class Investment Capabilities
Investment Choices
Fees & Pricing

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.

A global investment platform

Citi Personal Wealth Management’s robust, global platform, provides you with more choices and flexibility in your portfolio.

Rigorously vetted traditional and alternative managers

Citi conducts extensive, intensive and ongoing manager screening, performance analysis, and monitoring so you can make informed investment decisions.

Syndicate transactions

Citi is a U.S. market leader in new debt and equity origination. As a result, Citi can often provide clients with access to new-issue investments that may not otherwise be available.

Citi^® Research

Citi Research gives you access to valuable financial research, including daily insights from analysts in 28 countries and proprietary reports and analysis, all in one place.

Capital markets

Citi’s strength in both equity and debt origination may allow access to initial public offerings/follow-ons and corporate/bond offerings.

Citi Personal Wealth Management offers a range of investment and insurance products and services that can help you work toward your financial goals. These products include individual stocks, fixed income and mutual funds, as well as more sophisticated offerings like alternative investments and structured products.

Alternative investments

Citi Personal Wealth Management offers a wide range of alternative investment strategies, including hedge funds, private equity and private real estate funds. We employ a rigorous and unbiased approach to manager selection that pursues thematic investment opportunities taking into account current market conditions.

Annuities

Through Citi, you have access to annuity products including immediate, deferred-income, buffer, indexed, variable and fixed annuities.

Education savings

Your Wealth Advisor can help you develop a financial plan that includes education and college savings strategies.

Exchange-traded mutual funds (ETFs) and mutual funds.

Access a robust platform of 150 plus asset managers, vetted and approved by our Alternatives and Investment Manager Solutions and Due Diligence teams. Your Wealth Advisor can implement investment strategies for you through more than 1,500 domestic mutual funds, 450 offshore mutual funds and 1,000 ETFs.³

Insurance

You have access to a wide range of insurance products and annuities through Citi’s partnerships with 18 leading insurance carriers.

Managed accounts

Citi’s variety of managed account types are backed by the resources and knowledge of Citi Personal Wealth Management.

Margin accounts

Citi provides access to margin lending as well as portfolio lines of credit for specific borrowing needs.

Municipal bonds

Citi Municipal Securities has a team of experienced traders and salespeople located in the U.S. who facilitate liquidity and provide perspective on the market.

Mutual funds

Citi’s partnership with more than 70 mutual fund companies means you have access to a broad range of mutual fund choices.

Retirement savings (IRAs)

You can choose to invest in Traditional or Roth IRAs.

Securities-based borrowing⁴

A securities-based line of credit can help meet liquidity cash needs by unlocking the value of your investments without selling them.

Small business products and services

Citi can help small businesses meet their financial needs through cash management, business retirement plans, insurance needs, and succession planning guidance.

Stocks (equities) and options

Choose from a variety of equities and options, including U.S. domestic, international, emerging markets and non-U.S. dollar investments and you can make no-fee online equity trades.

Taxable bonds (fixed income)

Choose from U.S. Treasury and agency securities, investment grade corporate bonds, high-yield corporates, mortgage-backed securities, preferred securities, municipal bonds, international bonds, and emerging market debt.

Trusts and estate planning

Your Wealth Advisor can work with your tax and legal professionals to develop an estate plan to help leave the legacy you want for your beneficiaries and make sure your wishes are carried out.

Equity and ETF pricing

The following represents the equity and ETF commission schedule for Listed and NMS/Over the Counter stocks, rights and warrants.

ETFs Online/Mobile	$0
Equities Online/Mobile	$0
Service Center	$65
Wealth Advisor Assisted	Greater of 1.00% of Total Principal or $65

Option pricing

The following represents the option commission schedule.

Online/Mobile	$2.95 + $0.75/Per Contract
Service Center	$65
Wealth Advisor Assisted	$65 + $0.75/Per Contract

Equity block trading capabilities for transactions with a minimum of 10,000 shares may be available. To learn more about this capability including the circumstances when it can be used and pricing, please speak to your Wealth Advisor.

Other investments like fixed income are subject to separate transaction fees. Contact your Wealth Advisor for more information about foreign security pricing.⁵

The terms, fees and conditions of accounts, products, programs and services are subject to change. Additional fees may apply.

Service Center pricing and Wealth Advisor Assisted pricing do not apply to Citi Self Invest accounts.

Annual account fees

The following represents the option commission schedule.

Non-Retirement Investment Account	$0
Individual Retirement Account⁶	$0
Corporate Retirement Plan⁷	$0

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 Chief Investment Office top investment strategists provide timely insights on the economy and the markets through monthly Market Snapshots and client communications, webcasts, and events.

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.

Asset allocation and diversification do not guarantee a profit or protect against loss.

Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. In general, as prevailing interest rates rise, fixed income securities prices will fall. Bonds face credit risk if a decline in an issuer’s credit rating, or creditworthiness, causes a bond’s price to decline. High yield bonds are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues. Finally, bonds can be subject to prepayment risk. When interest rates fall, an issuer may choose to borrow money at a lower interest rate, while paying off its previously issued bonds. As a consequence, underlying bonds will lose the interest payments from the investment and will be forced to reinvest in a market where prevailing interest rates are lower than when the initial investment was made.

Depending on your state of residency, some bonds may be exempt from state and local taxes; however, interest may be subject to the federal Alternative Minimum Tax.

As a client in the Citigold Private Client Relationship Tier, 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.

The products and services mentioned herein are not offered to individual residents in Europe, including the European Union, European Economic Area, Switzerland, the United Kingdom, and similar countries. Your eligibility for a particular product and service is subject to a final determination by Citibank and its affiliates. This is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the banking or financial products mentioned herein to individuals outside of the United States.

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 when the account has $250 or more in Enhanced Direct Deposits (“EDD”).^** In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts when the account has an Average Monthly Balance of $500 or more or if an owner of the Savings account also owns a Regular Checking account or Access Checking account. 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 Consumer Deposit Account 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 Enhanced Direct Deposit (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 EDD also includes Zelle^® incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network 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, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.

^***Citi Miles Ahead^SM 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 Citigold^® 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 Consumer Deposit Account 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, Collateral Holding accounts, Secured CD accounts, personal investment companies, accounts in a money purchase plan or profit sharing plan, accounts in a tax-qualified education savings plan, accounts opened through Citi Global Wealth at Work, Citi Alliance, Citi Private Bank, and 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.

Family Linking

If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members (“Members”), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Consumer Deposit Account Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts.

Additional Information

Please review your Consumer Deposit Account 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. You must have Internet access through your mobile device and charges from your wireless carrier may apply. The Mobile Check Deposit service is subject to eligibility. Deposit limits and other restrictions apply. The Citi Mobile® App is available for use with compatible mobile devices.

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.

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.

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 client in the Citi Priority Relationship Tier, 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.

Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle or you have made a change to your enrolled phone number, email address or linked account number.

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 client in the Citigold Relationship tier, 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. Fees for incoming domestic and international wire transfers will be waived. The outgoing 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 Consumer Deposit Account 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 Consumer Deposit Account Agreement for a complete list of waived and reduced fees and charges for the Citigold Relationship Tier.

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. For customers in the Citigold or Citigold Private Client Relationship Tiers, Museum of Modern Art (MoMA), 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.

Customers who own a Citibank deposit account associated with an active Citigold or Citigold Private Client CPC branded debit card (“Debit Card”) entitle the customer named on the Debit Card to participate in Citigold Culture Pass. Citigold Culture Pass provides complimentary access to cultural attractions. Separate identification may be required to confirm ownership of the Debit Card and receive Citigold Culture Pass benefits.

Limitations may apply. For information about participating organizations and access requirements, please see https://citigold.citi.com/culturepass/.

Unless otherwise indicated, ticket(s) must be obtained in advance by purchasing online and clicking “Get Offer Code”. Reach out to your Wealth Advisor to obtain a Unique 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 — You may be able to obtain your tickets with your Unique Code in person the same day of entry subject to availability.

Guggenheim benefit is available at the New York City Museum location only. Visitors must obtain tickets in person. You must use a Citigold or Citigold Private Client Debit Card and a valid ID for entry. Ticket availability subject to change due to yearly limits, Once the ticket limit is exceeded this benefit will no longer be available.

NYBG offers complimentary All-Garden Pass admission. Restrictions may apply when entry is moderated by timed ticketing; Holiday Train Show may be subject to limited blackout dates. To visit NYBG, reserve a time online in advance.

Benefits are valid during 2025 and benefits are subject to change at any time. Citi is not affiliated with the MoMA, Solomon R. Guggenheim Museum, or The New York Botanical Garden.

Citi is not affiliated with MoMA, Guggenheim or NYBG.

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 Private Client Benefits

Citigold^® benefits information above, plus:

As a client in the Citigold Private Client Relationship Tier, 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”). Additional persons with a joint account or a Family Link to an Eligible Customer, as well as, persons living at the same residential address, will not be invited to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. Eligible Customers must have a U.S residential address and purchase U.S based subscription services 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
Amazon Prime, Hulu^®, 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 may post up to 8 weeks after 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.

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.
Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor for details.
Foreign settlements are defined as securities traded on foreign exchanges (ADRs are not included).
Includes Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Education Savings Account, Beneficiary IRA (Beneficiary IRA fee waived in first year only).
Includes 401(k), SAR SEP IRA, Profit Sharing Plan, and Money Purchase Plans. This fee is charged at the plan level, participants of these plan types are not charged the annual fee.

Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.

Higher levels of wealth can mean more opportunities to invest — in your family, your community, and your legacy.

Explore premier investing services

Alternative investments

Charitable planning

High-net-worth advisory

Institutional Client Group capabilities

Professional investment guidance

Explore investing

Alternative investments

Charitable planning

High-net-worth advisory

Institutional Client Group capabilities

Professional investment guidance

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