Citi Online is your comprehensive digital banking platform, designed to provide seamless access and enhanced control over your finances. Whether you’re managing everyday transactions or leveraging premium banking services, Citi Online offers a suite of features and benefits tailored to meet your needs. This guide will walk you through the extensive advantages of utilizing Citi Online and the various account tiers that amplify your banking experience.
Everyday Banking Benefits at Your Fingertips
Even without a Relationship Tier, Citi customers enjoy a range of essential benefits right from the start. Citi understands the importance of convenient access, fee transparency, and digital-first banking.
Extensive Fee-Free ATM Network
Accessing cash shouldn’t come with extra charges. Citi provides access to a vast network of over 65,000 fee-free ATMs across the United States. This claim is based on locations where you can withdraw cash without incurring a surcharge from the ATM operator. As a Citibank customer, using your Citibank® Banking Card at ATMs within Citibank branches, select retail locations, and MoneyPass® Network ATMs ensures no-surcharge withdrawals and balance inquiries. While ATMs in retail stores may have limited functionality, the expansive network ensures you’re never far from convenient, fee-free access. Locate the nearest ATMs and branches easily using the Citi Worldwide ATM/Branch Locator on Citi Online or the Citi Mobile® App.
Banking on the Go with Citi Mobile App and Mobile Check Deposit
The Citi Mobile App extends the power of Citi Online to your smartphone. Manage your accounts, deposit checks remotely, and much more, all from the palm of your hand. Citi doesn’t charge for using the app or Mobile Check Deposit, but standard wireless carrier charges may apply. Mobile Check Deposit is a game-changer for personal checking accounts, allowing you to deposit checks securely without visiting a branch. Eligibility and deposit limits apply, ensuring secure and responsible mobile banking.
Say Goodbye to Overdraft Fees
Unexpected overdraft fees can be frustrating. Citi’s policy of No Overdraft Fees provides peace of mind. While Citi won’t charge you an overdraft fee, it’s important to manage your account responsibly and be aware of the impact of overdrawing. Overdrawing occurs when a transaction causes your account balance to go negative. Citi may choose to return or pay transaction items if funds are insufficient, but continuous overdrafts are not recommended and the ability to overdraw can be discontinued. Note that a Fee for Deposited Check Returned Unpaid may still apply if a deposited check bounces, regardless of overdraft status.
Seamless Payments with Zelle®
In today’s fast-paced world, quick and easy payments are essential. Zelle® integrated into Citi Online and the Citi Mobile App allows you to send money to almost anyone with a U.S. bank account and valid email or U.S. mobile number. Zelle® is perfect for sending money to people you know and trust. It’s important to remember that Zelle® doesn’t offer protection for authorized payments, so it’s best used for transactions with known parties.
Commission-Free Trading with Citi Self Invest
For those looking to grow their wealth, Citi Self Invest, accessible through Citi Online, offers commission-free trading for ETFs (excluding leveraged and inverse ETFs) when trades are placed online or via the Citi Mobile® App. Phone trades incur commissions. While ETFs have their own management fees and expenses, commission-free trading through Citi Self Invest lowers the barrier to investing and empowers you to manage your investments directly. Citi Self Invest is a digital self-directed investment platform within Citi Personal Wealth Management.
Mortgage Relationship Pricing Benefits
Planning to buy a home? Citi Mortgage Relationship Pricing offers benefits to those who bank with Citi. By having a Citibank deposit account and setting up automated monthly mortgage payments from that account, you may be eligible for mortgage relationship pricing. This can translate to savings on closing costs or a rate discount. Contact a mortgage representative to explore the specific benefits and eligibility requirements.
Elevate Your Banking with Citi Priority Benefits
Building upon the Everyday Benefits, Citi Priority offers enhanced services and greater financial advantages. It’s designed for customers who maintain higher balances and seek a more comprehensive banking relationship.
Enhanced Banking and Wealth Management Services
As a Citi Priority client, you gain access to a broader suite of financial services. This includes banking and lending services from Citibank, N.A., alongside financial planning and investment products through Citi Personal Wealth Management. This integrated approach ensures your banking and investment needs are addressed holistically.
Worldwide ATM Fee Waiver
While the everyday benefits include a vast fee-free ATM network, Citi Priority takes it a step further with ATM Fee Waivers worldwide. Citibank waives its ATM fees, but keep in mind that external banks or ATM operators may still charge a surcharge fee. This benefit is invaluable for frequent travelers.
Increased Transaction Limits
Citi Priority clients enjoy increased limits for everyday transactions. This includes higher limits for Zelle® transfers, debit card purchases, and ATM withdrawals compared to standard accounts. These increased limits provide greater flexibility and convenience in managing larger transactions.
Citi Personal Wealth Management Investment Account Fee Waiver
For those utilizing Citi Personal Wealth Management for investments, Citi Priority waives the annual investment account fee. This benefit alone can represent significant savings for active investors, further enhancing the value of the Citi Priority tier.
Discounts on Citi Personal Loans
Need access to credit? Citi Priority members are eligible for discounts on Citi Personal Loans. Personal loans and lines are subject to credit approval and certain limitations may apply, but the potential for discounted rates adds another layer of financial advantage.
Unlock Premium Services with Citigold Benefits
Citigold represents a significant step up, offering a suite of premium benefits and personalized services designed for clients with substantial financial needs. It encompasses all Citi Priority benefits and adds exclusive perks.
Dedicated Wealth Management and Financial Guidance
Citigold clients receive dedicated support from Wealth Relationship Managers. These professionals are employees of Citibank and registered representatives of CGMI, providing integrated banking and investment guidance. Citigold ensures a personalized approach to managing your wealth, with expert advice readily available.
Wire Transfer Fee Waivers
Sending money internationally or domestically via wire transfer becomes more cost-effective with Citigold. Wire transfer fees are waived for transfers initiated through Citi Online or the Citi Mobile® App. Fees still apply for branch or banker-assisted wire transfers. It’s important to note that Citibank’s exchange rate for foreign currency wire transfers includes a commission.
Complimentary Citigold Standard Design Checkbook
Even in a digital age, checkbooks remain useful for certain transactions. Citigold waives fees for standard design checkbooks, adding a touch of convenience. Non-standard checkbook designs will still incur fees.
Extensive Waived Fees
Citigold offers a wide array of waived fees beyond wire transfers and checkbooks. Refer to your Client Manual Agreement for a complete list of waived and reduced fees specific to the Citigold Relationship Tier. This comprehensive fee reduction can lead to substantial savings over time.
Citigold Concierge Service
Citigold Concierge, powered by Aspire Lifestyles, provides a personalized lifestyle management service. From travel arrangements to event bookings and everyday assistance, the concierge service is designed to save you time and enhance your lifestyle. Citigroup Inc. and Aspire Lifestyles are not affiliated, ensuring a dedicated and specialized concierge experience.
Access to Exclusive Citigold Lounges
For travelers, Citigold Lounges offer a haven of comfort and convenience. Verification of Citigold status is required for lounge access, typically via a Citigold debit card and photo ID. Lounge amenities, policies, and hours may vary. Contact your dedicated Citigold team for the most up-to-date lounge information.
Citigold Culture Pass
Citigold Culture Pass provides complimentary access to renowned cultural institutions. This includes daytime admission for you and a guest to the Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum (Guggenheim), and The New York Botanical Garden (NYBG). Tickets often require advance online booking using a unique offer code obtained from your Wealth Advisor. Enjoy enriching cultural experiences as a Citigold member.
ATM Fee Reimbursement Worldwide
Expanding on the Citi Priority ATM fee waiver, Citigold offers ATM fee reimbursement. Citibank will reimburse ATM fees charged by other banks worldwide within statement periods where you maintain Citigold status. This reimbursement is limited to consumer accounts and provides truly global fee-free ATM access.
Toll-Free U.S. Citigold Service Center Access While Traveling
Citigold ensures you remain connected, offering toll-free access to the U.S. Citigold Service Center when traveling internationally. This dedicated support line provides assistance and peace of mind wherever you are.
Citigold Subscription Rebate Program
The Citigold Subscription Rebate Program offers cash back rebates on select subscriptions purchased with your Citibank® Debit Card. Eligible subscriptions include Costco, TSA PreCheck®, Hulu®, Amazon Prime®, Spotify Premium, and Global Entry. Rebates are typically posted within 7 business days. Terms and conditions apply and eligible subscriptions are subject to change.
The Pinnacle: Citigold Private Client Benefits
Citigold Private Client represents the highest tier of Citi’s personal banking services, incorporating all Citigold benefits and adding even more exclusive advantages for clients with significant wealth.
Enhanced Wealth Management for High-Net-Worth Individuals
Citigold Private Client offers the most personalized and comprehensive wealth management experience. Like Citigold, you receive dedicated Wealth Relationship Managers, but with an even greater focus on complex financial planning, sophisticated investment strategies, and tailored solutions for high-net-worth individuals.
Increased Mobile Check Deposit Limits
Citigold Private Client members benefit from significantly increased mobile check deposit limits, both for individual checks and total account limits. These higher limits accommodate larger deposits made via the Citi Mobile® App, providing enhanced convenience for managing substantial finances. Note that increased limits may not apply to new customers or those with specific account types.
Citigold Private Client Subscription Rebate Program: Expanded Options
The Subscription Rebate Program is further enhanced for Citigold Private Client members, adding Blade® and The Wall Street Journal to the list of eligible subscriptions. Enjoy rebates on a wider range of lifestyle and financial subscriptions, maximizing the value of your Citigold Private Client membership.
Understanding Account Service Fees and Waivers
While Citi offers numerous fee waivers through its Relationship Tiers, it’s important to understand standard Monthly Service Fees and waiver conditions. Monthly Service Fees are waived for Citigold Private Client, Citigold, and Citi Priority Relationship Tiers during calendar months when tier requirements are met.
For Regular Checking and Access Checking accounts, Monthly Service Fees are waived under the following conditions, in addition to Relationship Tier waivers:
- $250 or more in Enhanced Direct Deposits (EDD) per month. EDD includes payroll, pension, social security, government benefits, and ACH-based P2P payments like Zelle, Venmo, and PayPal.
- During the account opening month and the first three full calendar months after opening.
For Citi Savings and Citi Accelerate Savings accounts, Monthly Service Fees are waived under these conditions, in addition to Relationship Tier waivers:
- $500 or more Average Monthly Balance.
- If the Savings account owner also owns a Regular Checking or Access Checking account.
- During the account opening month and the first three full calendar months after opening.
Monthly Service Fees, when applicable, are:
| Deposit Account | Monthly Service Fee |
|---|---|
| Access Checking | $5.00 |
| Regular Checking | $15.00 |
| Savings*** | $4.50 |
*Deposit accounts are subject to other service, transaction, and fees not covered by the Monthly Service Fee. Refer to the Client Manual Agreement for a complete fee list.
**Enhanced Direct Deposit (EDD) qualifications are detailed in the footnotes.
***Certain savings accounts like Citi Miles Ahead Savings, UTMAs, and COMMAs are not charged monthly service fees.
Conclusion: Citi Online – Your Gateway to Enhanced Banking
Citi Online and the Citi Mobile App are powerful tools designed to simplify your financial life and unlock a world of banking benefits. From everyday convenience to premium services and personalized wealth management, Citi offers a tiered approach to banking that grows with your needs. Explore Citi Online today to discover how you can maximize your banking experience and take control of your financial future.
For complete terms and conditions, please review the Client Manual Agreement and Account Agreement and Notices. Online applications require U.S. citizenship or residency and being at least 18 years old.
