Citibank Online. Citi Bank provides money-saving products including competitive CD rates, checking accounts, and savings accounts. In this guide, we’ll compare Citi Bank’s rates to CD, checking, and savings account rates from the top banks in the USA.

Citibank has 700 branches across the U.S. Accounts must be opened as a checking & savings package. Service fees and ways to waive are on the high side. Best for high-balance customers.

Checking Account Bonuses

Citibank often offers cash bonuses for new banking customers. Some deals are for opening a checking plus savings account package. Offers are usually available for residents nationwide.

All CitiBank checking accounts offer free online banking, bill pay, and mobile deposits.

How to Avoid Citibank Account Fees

• Access Account Package. The $10 monthly fee can be waived if you: make a direct deposit or a bill payment per statement cycle, OR maintain a combined average monthly balance of at least $1,500 in linked Citibank accounts. This account has no check writing or overdraft fees.
• Basic Banking Package. The $12 monthly fee can be waived if you: make a direct deposit or a bill payment per statement cycle, OR maintain a combined average monthly balance of at least $1,500 in linked Citibank accounts, OR are 62 or older.
• Citibank Account Package. The $25 monthly fee can be waived if you maintain a combined average monthly balance of at least $10,000 in linked deposit, retirement, and investment accounts.
• Citi Priority Package. The $30 monthly fee can be waived if you maintain a combined average monthly balance of at least $50,000 in linked deposit, retirement, and investment accounts.
• Citigold Package. There is no monthly service fee if you maintain a combined average monthly balance of at least $200,000 in linked deposit, retirement, and investment accounts.

Discover Cd Rates

How to Get the Best Deal at Citibank

Citibank is best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

If you can keep enough on deposit to open one of the Citibank Account Package and above accounts (which requires at least $10,000 in combined balance), you get perks such as:

Citi Cd Rates Available

• Opportunity to earn Citi ThankYou Rewards
  
• Free checkbook orders (how many free orders depends on which account you have)
  
• Option to earn interest on checking balance
  
• No Citi fee when using non-Citi ATMs
  
• Potential for higher interest rates on savings products
  
• Waived annual fee for Citi Personal Wealth Management investment account (for Citi Priority and Citigold customers)