Citi® Live Chat

Not Applicable
Citi Access Account, Bank On Certified 2025 to 2026, since October 2015, Cities for Financial Empowerment Fund

Certified Low-cost Account

Citi Access Checking is certified as meeting Bank On National Account Standards for low-cost accounts.

Your Path to Relationship Tiers

Open, combine and link to meet minimum balance requirements.

Get Benefits Instantly

Open a checking and/or savings account in a Relationship Tier and get benefits instantly.

Combine Citi Accounts

Other Citi Eligible Deposit and Investment accounts count toward the balance requirement.

Enroll in Family Linking

Immediate family members who live with you can combine balances to access Relationship Tier benefits sooner.
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
In order to use digital features on Citi Online or the Citi Mobile® App including merchant offers and money movement products, like Mobile Check Deposit and Zelle® payments, you must agree to receive monthly statements and some legal notices electronically, only, when setting up digital access if you have not previously agreed. You can change your delivery preferences at any time after registration by managing the paperless settings for your account, and you'll continue to have access to digital features.
Account Monthly Service 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.
There is no charge for making cash withdrawals with a Citibank Banking Card at Proprietary Citibank ATM locations in the U.S., but Citibank will charge you a $2.50 “Non-Citi ATM fee” when you use a Network ATM other than at a location within our surcharge-free network. Non-Citi ATM fees are waived for customer in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. 
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 Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.
†Annual Percentage Yield (APY) is accurate as of 05/21/2026 in the location entered upon accessing citi.com. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings. APY is determined by Rate Region, Relationship Tier and applicable promotion. If you open your account in a physical branch or with a physical branch employee by phone (including video calls), the Rate Region applicable to your account will be the state where the branch is located. If you open your account online (including Citi Mobile®) or by telephone other than a physical branch employee by phone (including video calls), we will use the residential address (not your mailing address) you provide when opening your account to assign your Rate Region.
Citi Savings accounts are available in select markets. Applicants 1) who apply in a physical branch location or with a physical branch employee by phone (including video calls) or 2) who use a residential address in one of the following locations are eligible to apply to open a Citi Savings account: California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia, the District of Columbia and select markets in Florida and Illinois.
Offer Period is on and between April 14, 2026 – July 13, 2026. During the Offer Period, New Citi Savings accounts opened online or in a physical branch will receive the Promotional Interest Rate of 3.75% if they fulfill the Required Activities. The Minimum Balance to earn APY and the Promotional Interest Rate during the Promotional Rate Period is $25,000. The Maximum Interest Earned is $9,000.
Required Activities: Deposit at least the “Minimum Balance” in New-to-Citibank Funds into your New Citi Savings account within 10 Business Days after account opening. We will check your “On Deposit” balance in New-to-Citibank Funds on the 11th Business Day after you open your New Citi Savings account to determine if you meet the Minimum Balance and will continue to earn the Promotional Interest Rate. During the Promotional Rate Period of up to three (3) months after account opening, you will receive the Promotional Interest Rate each day you maintain at least the Minimum Balance in your New Citi Savings account, but please understand if your On Deposit balance drops below the Minimum Balance or your New Citi Savings account has reached the Maximum Interest Earned from the Promotional Interest Rate, your Promotional Interest Rate will expire, and your New Citi Savings account will receive the current non-promotional “Standard” Interest Rate. Please refer to the rates above and the Rate Sheet provided at account opening for the applicable APYs and Interest Rates for this promotion. Please review the Consumer Deposit Account Agreement for full terms.
For full terms and conditions please view the Consumer Deposit Account Agreement and Account Agreement and Notices page. To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.  
Deposit products are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.
Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.
Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses.
Certain other trademarks listed above are owned by third parties not affiliated with Citibank.
World Wallet® services are provided by Citibank, N.A. World Wallet is a registered service mark of Citigroup, Inc.
©2026 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.