Citibank provides a range of banking benefits designed to cater to diverse financial needs, accessible conveniently through Online.citi.com. Whether you’re just starting out or managing significant wealth, understanding the different relationship tiers—Everyday Benefits, Citi Priority, Citigold, and Citigold Private Client—can help you maximize your banking experience. This guide will walk you through the key advantages of each tier, ensuring you’re well-informed to make the most of your Citibank relationship.
Everyday Benefits: Foundational Advantages for All Citi Customers
Even without a Relationship Tier, all Citibank customers enjoy a suite of everyday benefits that enhance their banking experience. These foundational advantages are designed for convenience and accessibility:
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Extensive Fee-Free ATM Network: Access over 65,000 ATMs across the United States without incurring surcharge fees from the ATM operator. This vast network includes Citibank branches, select retail locations, and ATMs within the MoneyPass® Network. Use your Citibank® Banking Card to withdraw cash, check balances, and transfer funds between linked Citibank accounts at these ATMs without surcharges. Remember to use the Citi Worldwide ATM/Branch Locator on online.citi.com or the Citi Mobile® App to find the nearest surcharge-free ATMs.
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Citi Mobile® App and Mobile Check Deposit: Manage your finances on the go with the highly-rated Citi Mobile® App. Deposit checks securely from anywhere using Mobile Check Deposit, saving you time and trips to the branch. While Citibank doesn’t charge for these services, standard account fees apply, and your wireless carrier’s charges may apply. Mobile Check Deposit is available for personal checking accounts and subject to eligibility and deposit limits.
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No Overdraft Fees: Citibank’s policy of no overdraft fees provides peace of mind. While overdrafts may still occur and impact your account balance negatively, you won’t be charged overdraft fees. Citibank encourages responsible account management and may limit overdraft privileges. Be aware that fees for Deposited Check Returned Unpaid may still apply.
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Zelle® for Fast and Easy Payments: Send and receive money quickly and easily with Zelle®, integrated into the Citi Mobile® App and online.citi.com. Zelle® allows you to send money to almost anyone with a U.S. bank account and a valid email address or U.S. mobile number. It’s crucial to use Zelle® only with people you know and trust, as payments are authorized and not protected against fraud if you don’t receive goods or services as expected.
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Commission-Free ETF Trading with Citi Self Invest: For those interested in investing, Citi Self Invest, accessible through online.citi.com, offers commission-free trading of ETFs online and via the Citi Mobile® App. This excludes leveraged and inverse ETFs. While ETF trades are commission-free online, phone trades incur commissions, and ETFs are subject to management fees and other expenses. Citi Self Invest provides a digital platform for self-directed investment management.
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Citi Mortgage Relationship Pricing: Homebuyers can benefit from Citi Mortgage Relationship Pricing. By having a Citibank deposit account and setting up automated monthly mortgage payments from that account, you may qualify for reduced closing costs or rate discounts. Contact a Citi mortgage representative for detailed eligibility criteria and potential savings.
Citi Priority Benefits: Elevating Your Banking Experience
Building upon the Everyday Benefits, Citi Priority offers enhanced services and financial solutions for clients seeking a more comprehensive banking relationship. These benefits are designed to streamline your finances and provide added value:
- All Everyday Benefits: Enjoy all the foundational benefits listed above, ensuring a solid base for your banking needs.
- Dedicated Citi Priority Service: Access personalized banking and lending services from Citibank, alongside financial planning and investment products through Citi Personal Wealth Management. This integrated approach ensures your banking and investment needs are addressed holistically.
- Citi ATM Fee Waiver: While other banks or ATM operators may charge surcharge fees, Citi Priority clients receive a waiver for Citibank fees at external ATMs, providing broader ATM access without added costs.
- Increased Transaction Limits: Benefit from higher limits for Zelle® transfers, debit card purchases, and ATM withdrawals compared to standard accounts. These increased limits offer greater flexibility and convenience in managing your daily finances.
- Citi Personal Wealth Management Investment Account Fee Waiver: The annual fee for Citi Personal Wealth Management Investment accounts is waived for Citi Priority clients, reducing the cost of managing your investments through Citi’s platform.
- Discounts on Citi Personal Loans: Access discounts on personal loans and lines of credit, subject to credit approval, potentially lowering the cost of borrowing for personal needs.
Citigold Benefits: Premium Banking and Exclusive Perks
Citigold takes your banking experience to the next level, offering a suite of premium benefits and exclusive perks designed for clients with more complex financial needs. Citigold members receive all the benefits of the previous tiers, plus:
- All Citi Priority Benefits: Retain all the benefits of Everyday and Citi Priority, ensuring a comprehensive suite of services.
- Dedicated Wealth Relationship Manager: Receive personalized guidance from a dedicated Wealth Relationship Manager who can assist with both banking and investment strategies. This personalized support is crucial for managing more complex financial portfolios.
- Wire Transfer Fee Waiver: Fees for wire transfers initiated online or via the Citi Mobile® App are waived for Citigold clients, saving you money on sending funds domestically or internationally. Note that branch-initiated or banker-assisted wire transfers may still incur fees.
- Citigold Standard Design Checkbook Waiver: Fees for standard design checkbooks are waived, adding another layer of cost savings.
- Other Waived Fees: A wide range of fees are waived for Citigold clients. Refer to the Client Manual Agreement, accessible through online.citi.com, for a complete list of waived and reduced fees specific to the Citigold tier.
- Citigold Concierge Service: Benefit from the Citigold Concierge service, provided by Aspire Lifestyles, offering personalized assistance with travel arrangements, event tickets, dining reservations, and more, enhancing your lifestyle beyond banking.
- Access to Citigold Lounges: Enjoy access to exclusive Citigold Lounges, providing comfortable spaces with amenities when you travel or visit select locations. Access policies and amenities may vary by lounge, and verification of Citigold status is required. Contact your dedicated team for the most current lounge information.
- Citigold Culture Pass: Enjoy complimentary daytime admission for you and a guest to renowned cultural institutions like the Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum, and The New York Botanical Garden. Advance ticket booking may be required, and offer details can be obtained from your Wealth Advisor.
- ATM Fee Reimbursement: Citigold clients receive reimbursement for ATM fees charged by other banks globally, providing worldwide ATM access without incurring fees. This reimbursement is limited to consumer accounts.
- Toll-Free Access to Citigold Service Center: Enjoy toll-free access to the U.S. Citigold Service Center when traveling, ensuring premium support is always within reach.
- Citigold Subscription Rebate Program: Participate in the Subscription Rebate Program, where eligible Citigold customers can receive rebates on select subscriptions like Costco, TSA PreCheck®, Hulu®, Amazon Prime®, and Spotify Premium when purchased with their Citibank® Debit Card.
Citigold Private Client Benefits: The Pinnacle of Citi Banking
For those with significant wealth management needs, Citigold Private Client represents the highest tier of Citibank benefits. It encompasses all the advantages of the previous tiers and adds even more exclusive services and enhanced features:
- All Citigold Benefits: Receive the full spectrum of benefits from Everyday, Citi Priority, and Citigold tiers.
- Dedicated Wealth Management Team: Benefit from a dedicated wealth management team, providing sophisticated financial planning, investment management, and personalized banking services tailored to high-net-worth individuals and families.
- Increased Mobile Check Deposit Limits: Enjoy even higher mobile check deposit limits, offering greater convenience for managing larger deposits remotely. Note that increased limits may not apply to new customers or certain account types.
- Citigold Private Client Subscription Rebate Program: Access an expanded Subscription Rebate Program, including all the subscriptions in the Citigold program plus Blade® and The Wall Street Journal, offering even more lifestyle and business subscription rebates.
Understanding Account Fees and Requirements
While many benefits and fee waivers are associated with these Relationship Tiers, it’s important to understand potential Monthly Service Fees and balance requirements. Monthly Service Fees are waived for customers in Citigold Private Client, Citigold, or Citi Priority tiers during the calendar month. However, if your Combined Average Monthly Balance (CAMB) falls below the minimum for three consecutive months, you may be Re-Tiered.
Monthly Service Fees may also be waived for Regular Checking and Access Checking accounts under specific conditions, such as maintaining $250 or more in Enhanced Direct Deposits or during the initial months of account opening. Similarly, waivers apply to Savings accounts based on Average Monthly Balance or if linked to a Regular or Access Checking account.
For detailed information on all terms, conditions, and fees, please review the Client Manual Agreement and Account Agreement and Notices, both accessible via online.citi.com.
Conclusion: Choose the Citi Relationship That Fits Your Life
Citibank’s tiered benefits program, accessible and manageable through online.citi.com, offers a wealth of advantages designed to enhance your financial life. From everyday convenience to premium wealth management services, understanding each tier helps you select the Citibank relationship that best aligns with your financial goals and lifestyle. Explore the possibilities at online.citi.com and discover how Citi can elevate your banking experience.
