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Enjoy what's ahead, with a dedicated Wealth team behind you.

Your dedicated Wealth team will take the time to understand your individual needs and goals, then work with you to develop a plan to meet them, leveraging the robust capabilities of Citi.

Your Wealth Team

wealth manager in meeting with a client

Dedicated wealth support

Your dedicated Wealth team is your personal connection to the full range of services Citi has to offer. From helping you with everyday financial tasks to managing your long-term goals, your 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 Citigold Private Client service center delivers immediate access to additional support anytime.

relationship manager showing documents to a couple

Personalized guidance and complimentary financial planning2

Whether you are looking ahead to retirement, planning a child’s education, or focused on managing your day-to-day finances, your dedicated team will be there to help you develop a customized financial plan designed around what’s most important to you.

Backed by Citi Personal Wealth Management’s wealth planning process and global product and research capabilities, your experienced dedicated Wealth team will work with you to identify your goals and help make them a reality.

Big picture perspective and in-depth focus

Your dedicated Wealth team views your goals in the context of your entire financial situation, by providing integrated guidance across all of your needs and bringing in specialists for added proficiency and support.

Planning specialists

Your dedicated Wealth team can bring in professionals with in-depth experience and knowledge of advanced planning strategies unique to the comprehensive needs that come with higher levels of wealth.

Estate & insurance specialists

To complement your dedicated Wealth team in areas such as trusts, protection vehicles, and tax implications, these specialists help develop multi-faceted approaches to wealth transfer, family protection, and legacy planning.

Home Lending Officer

A dedicated lending specialist provides personal service and can help facilitate your homeownership and lending goals, from first mortgages to second homes to HELOCs.

Small Business Banker

For clients with entrepreneurial ventures or businesses, a Citibank Business Banker can help you navigate the benefits and services available to you.

Branch manager

Your local Citibank branch manager can get to know you and offer additional in-person service and support.

Service professionals

You have access to a Citigold Private Client service center around the clock. You can also speak to licensed wealth professionals via phone for help with more advanced needs. They are another channel for you to access a higher level of service.

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 the Citigold Private Client Relationship Tier 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.

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

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.

  1. 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 AheadSM 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.

  2. 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.

    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 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 Subscription Rebate Program.

      This is a Citi sponsored program for eligible Citigold customers.

      Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Additional persons with accounts linked to an Eligible Customer who live at the same address, will not be invited or eligible to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. 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
      Amazon Prime, Hulu®, 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 may post up to 8 weeks after your subscription purchase.

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

      “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 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 accounts linked to an Eligible Customer who live at the same address, will not be invited or eligible to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. 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 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.

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

© 2025 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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