Open A Bank Account | Online Banking | Citi.com (2024)

Simplified Banking with Citi

New to Relationship customers can enjoy Relationship Tier benefits and features when they open an account and keep them if they meet a balance of at least $30,000 within 3 calendar months.1

Already a customer?

To apply with a pre-filled application,

If your account hasn’t been converted to simplified banking, see for account packages.

More Banking with Citi

Grow Your Business

Small Business Banking

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Banking IRAs

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Your Path to Relationship Tiers

Open, combine and link to meet minimum balance requirements.

Grow Your Citi Relationship

No matter where you start, you’ll automatically move up and enjoy more benefits once your balance grows to the next Relationship Tier.1

Citi Relationship Tiers

To remain in your Relationship Tier, you need to make sure your Combined Average Monthly Balance doesn’t drop below your Relationship Tier’s minimum Balance Range for 3 consecutive calendar months.1

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

On-the-Go Mobile Banking

With the Citi Mobile® App, your money moves with you.2

Snapshot

Enroll in Snapshot to rapidly review key account info without having to sign on

Mobile Check Deposit

Deposit checks quickly from your mobile device2

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Citi® Quick Lock

Block new transactions and lock your stolen or misplaced card2

ATM / Branch Locator

Locate 65,000+ fee-free ATMs and find a branch near you2

You can also check balances, view transactions, make payments, transfer funds and so much more.

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Citi Banking FAQs

We have the answers for your banking questions.

  • Citi offers Checking, Savings and Certificate of Deposit (CD) accounts to help you with your finances. You can choose between an Access Checking or Regular Checking account depending on your banking needs. With a Citi savings account, you can earn interest, get access to cash and save seamlessly with automatic transfers. In addition, Citi offers multiple CD term options ranging from three (3) months to five (5) years. You can enjoy Relationship Tier benefits and features when you open and maintain an eligible deposit account in addition to meeting a Balance Range of at least $30,000 within three (3) calendar months. Note: some benefits will vary, depending on which types of accounts you have.1

  • Through simplified banking, Citi is transforming the customer experience – whether you’re managing your everyday finances or growing your wealth. This includes streamlining our checking and savings products, providing new ways to waive Monthly Service Fees, introducing Relationship Tiers for increased benefits and features, and automatically linking Eligible Deposit and Investment accounts you own to help you meet balance requirements. Learn more about simplified banking.

  • 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.

  • To get started with Citibank Online, you’ll first need to open an account with Citi. Then, you’ll need your Citi Credit/Debit Card or Bank Account number to set up online access.

    Once you’ve gathered all the necessary information, go to citi.com/register and follow the steps. You’ll need to enter the last four digits of your Social Security number or Individual Taxpayer Identification number and create a username and password.

  • Getting started with Citi’s mobile banking requires a few simple steps:

    1. Open an account with Citi.

    2. Visit citi.com/register to set up your login information and security authentication. This will require you to enter the last four digits of your Social Security number or Individual Taxpayer Identification number and set up a username and password.

    3. Download and open the free Citi Mobile banking app2 using the same login information you set up on Citi.com. Alternatively, you can set up your login information and security authentication directly in the Citi Mobile app.

    Once you’ve followed these steps, you’ll be able to access mobile banking with ease.

  • To make a Mobile Check Deposit2 with your Citi account, you’ll first need to log in to your Citi Mobile app,2 then select “Payments” from the menu. Once there, select “Deposit Checks.” To complete a one-time enrollment before using the service, review and accept the terms & conditions. Select the account you’re depositing the check into and enter the amount of the check (limits may apply). Once you’ve filled in those details, endorse your check and take a picture of the front and back through the mobile app. Tap “Submit” to upload the photos, and you will receive a confirmation email from Citi to let you know your check has been deposited.

  • An online wire transfer allows you to send money from your Citibank account to accounts at other financial institutions in the US and internationally. Depending on the international destination, a wire may be sent in USD or in the local foreign currency.

    To initiate a domestic wire transfer, you’ll need the payee’s name, account number and routing number. For international wires, you’ll need the currency in which the payee’s account is held, the payee’s name, foreign address, account number and destination routing information.

    • Start with the “Add Payee” step by choosing the wire destination, currency (for foreign wires) and adding the payee’s details. (For your protection, the initial wire transfer to a new payee may be held for up to two (2) business days for review)

    • Complete a one-time Wires Enrollment (this step is only required for first-time wires)

    • Send money to your payee

    Sign in to initiate a wire transfer via Citi’s Payment Hub.

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Smart Ways to Manage Your Money

When it comes to your finances, knowledge is power. Stay on top of managing your money and savings with financial education resources that can help you achieve your goals.

Are You Ready to Experience Banking with Citi?

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

Pricing & Fee Waivers
  1. 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 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:

    Deposit AccountMonthly 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 Client Manual 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 person-to-person (P2P) payments when made via ACH 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, and P2P payments using a debit card do not qualify as an EDD.

    ***Citi Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA accounts are not charged monthly service fees.

  2. Checking accounts and Savings accounts that maintain a zero balance for 90 calendar days are subject to account closure at Citibank’s sole discretion. CD accounts are subject to closure after 20 consecutive calendar days with a zero balance.

Relationship Tier & Re-Tiering Information
  1. 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 Client Manual 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
  1. 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 Client Manual Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts.

Please review your Client Manual Agreement for a complete list of waived and reduced fees.

Not all benefits are available at account opening.

FDIC Insured Savings

The funds in your Deposit Account at each Program Bank are eligible for insurance by the FDIC up to $250,000 (including principal and accrued interest) per depositor in each insurable capacity (e.g., individual, joint account, IRA, etc.). To learn more please visit FDIC.

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.

  1. 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. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.

  2. 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.

  3. 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. However, you must have a Web-enabled cell or smartphone to use the Citi Mobile app or Mobile Check Deposit service and charges from your wireless carrier may apply. Citibank is not responsible for products and services offered by other companies. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.

  4. Zelle® Payments. Zelle® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle® should only be used to send money to those you know and trust. Neither Citibank nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

  5. Citi Quick Lock. Includes point-of-sale (in person and via digital wallets), cash back and online purchases.

Citi Priority benefits

Everyday benefits information above, plus:

As a Citi Priority client, 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.

  1. Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.

  2. Increased Limits. Increased limits for Zelle® payments, 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.

  3. 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 in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Client Manual Agreement. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service.

Citigold benefits

Citi Priority benefits information above, plus:

As a Citigold client, 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.

  1. 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 Client Manual Agreement for additional information.

  2. ATM Fee Reimbursem*nt. 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 reimbursem*nt 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 reimbursem*nt is limited to consumer accounts.

  3. Citigold Subscription Rebate Program

    This is a Citi sponsored program for eligible Citigold customers.

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

    Select Citigold customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). 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 EntryPurchase 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 should post within 7 Business Days of 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

    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 Citigold Private Client, 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.

  1. 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.

  2. Wire Transfer Fee Waiver. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Client Manual Agreement for additional information.

  3. 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”). Eligible Customers must purchase subscriptions with their Citibank® Debit Card as follows:

    CostcoPurchase 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 JournalPurchase 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 should post within 7 Business Days of 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.

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 1) when the account has $250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of account opening and for the first 3 full calendar months after account opening. In addition to Relationship Tier waivers, Monthly Service Fees are waived for Citi Savings accounts and Citi Accelerate Savings accounts 1) when the account has an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings account also owns a Regular Checking account or Access Checking account, or 3) in the month of account opening and for the first 3 full calendar months after account opening. Tier Exclusions apply to certain customers through separate notice. Unless a waiver applies as described above, monthly service fees are as follows:

Deposit AccountMonthly 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 Client Manual 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 person-to-person (P2P) payments when made via ACH 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, and P2P payments using a debit card do 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)

Annual Percentage Yield (APY) is accurate as of 07/10/2024 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 Accelerate Savings accounts are available in select markets. Applicant(s) with a residential/home (not mailing) address in one of the following locations are eligible to apply to open a Citi Accelerate Savings account: AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.

‡Annual Percentage Yield (APY) is accurate as of 07/10/2024. The Composite Annual Percentage Yield (APY) for the Step Up CD is accurate as of 07/10/2024 and is based on the 3 fixed initial interest rates shown for Months 1 through 10, Months 11 through 20, and Months 21 through 30. APYs are subject to change before a term begins for new and renewing CDs. The APY assumes interest remains on deposit in the CD account until maturity. Credited interest may be withdrawn without penalty. A withdrawal will reduce earnings. A penalty will be imposed for early withdrawal of principal. Fees could reduce account earnings. The No Penalty CD allows withdrawal of the full balance and interest without penalty after the first 6 days you make the minimum deposit into your new CD and your deposit has been fully collected. An early withdrawal penalty applies to withdrawals from a No Penalty CD during the first 6 days. Partial withdrawals, including interest withdrawals, from a No Penalty CD are not permitted. $500 minimum deposit required.

APYs based on CD account balance use the applicable balance range to determine your APY and interest rate. Citi may assign the same APY to more than one balance range. Balance ranges include:$0 - $9,999.99$10,000 - $24,999.99$25,000 - $49,999.99$50,000 - $99,999.99$100,000 - $499,999.99$500,000 - $999,999.99$1,000,000+

No Penalty CDs automatically renew without the no penalty feature to a 12 month CD. Step Up CDs automatically renew without the step up feature to a 30 month CD. All other CDs automatically renew at maturity for the same term at the rates in effect on the CD renewal date. There is a grace period of up to 7 calendar days after the maturity date. You can make a change during the grace period without penalty. The CD opening date (renewal date) and maturity date will reset if you make a change during the grace period, and you will not be able to make any changes until the next maturity date without penalty.

For full terms and conditions please view the Client Manual 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.

©2024 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.

Open A Bank Account | Online Banking | Citi.com (2024)

FAQs

How to open a bank account online without going to the bank? ›

Once you have that ready, here's how to open a bank account online:
  1. Go to the bank's website. Stay safe! ...
  2. Choose the type of account you want. ...
  3. Fill out an application. ...
  4. Agree to let the bank collect some information. ...
  5. Check the approval process. ...
  6. Make your first deposit.

What are 3 questions you should ask when opening a bank account? ›

9 questions to ask before opening a bank account
  • What are the bank's fees? ...
  • Where are the bank's ATMs? ...
  • Is there a minimum balance required? ...
  • What's the accounts' interest rate? ...
  • Does the bank have good customer service? ...
  • Does the bank have online banking and a mobile app?

Is it okay to open a bank account online? ›

Generally, yes. You can open a checking account online in just a few minutes with an online bank or credit union or with traditional banks and credit unions that offer online banking and checking accounts. The funds in your new account may take a few days to process, though.

What is required when opening a checking account answer? ›

To open a checking account, you must provide government-issued identification with your photo, your Social Security card or Taxpayer Identification Number, and proof of your address.

Which bank is easy to open an account online? ›

Instant account opening is easy with HDFC Bank. All you need is a working mobile number, Aadhaar number and a PAN number to open an account.

What is the easiest bank to get approved for? ›

Some don't even need to look at your credit and banking history before letting you open an account. The financial institutions we recommend with the easiest bank accounts to open online include Discover® Bank, SoFi, U.S. Bank, and Bank of America.

What do banks check to open an account? ›

They do this by running a bank history report on you. Like a credit check, this report highlights the consumer's financial behavior, but for bank accounts instead of credit cards.

What are 3 things you do to open a bank account? ›

To open a bank account, you'll need to first choose a bank and provide it with some necessary information, including your identification and proof of address. You'll usually need to be 18 to meet the bank's eligibility requirements. Finally, you might need to fund the account or have a minimum balance to avoid fees.

What info is needed to open a bank account? ›

Requirements for opening a checking account generally include a valid, government-issued photo ID such as a driver's license, state ID or passport. You'll also need basic personal information, such as your birthdate, Social Security number, taxpayer identification number or phone number.

What bank allows you to open an account online? ›

Open a TD Checking Account online in minutes—it's easy and secure. With accounts built for every stage of life, you'll get free Online Banking, Mobile Banking, no fees at TD ATMs, plus overdraft options to help you avoid fees.

What do I need to open an online bank account? ›

Proof of identity – current photo driving license, or passport. Personal details – preferred title, full name, date of birth, gender, marital status, nationality. Address details – current home address and how long you have lived there. Contact details – preferred phone number, email address and marketing preferences.

Why can't I open a bank account online? ›

Common reasons consumers are turned down for a bank account include a history of overdrafts, unpaid bank fees or suspected fraud. Applications can also be denied due to mistakes on one's checking account report. If you've been denied a bank account, ask the bank why this happened.

Do I need a Social Security number to open a bank account? ›

To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN).

What is the best bank to use? ›

Best Banks of July 2024
  • Capital One 360 Checking: Best online checking account.
  • Chase Total Checking®: Best for a large branch network.
  • Axos Bank Rewards Checking: Best for online account options.
  • Discover® Bank: Best for doing all of your banking at one place.
  • Synchrony Bank: Best high-yield savings account.
Jun 26, 2024

Can someone open a bank account in your name without you knowing? ›

Unless you see an unusual transaction on your bank statement, you might not know someone has opened a bank account in your name. That's why it's essential to be proactive. Here's what you can do to protect yourself from scammers.

Can I start Internet banking without going to bank? ›

Pre-requisites for INB self-registration:

ATM Card credentials are necessary for INB self-registration. ❖ Self registration is available for Single account holders only. Joint account holders need to contact branch for INB facility. To register for Internet Banking facility 1.

Can I open a bank account online without going into a branch? ›

Traditionally, to open an account, you needed to visit a branch, fill out a form and provide all the necessary paperwork. But opening a bank account online lets you skip straight over all the fuss and hassles, with banking that's ready when you are.

Can I open a bank account online without visiting a branch? ›

Yes, this step is also very easy and saves a lot of time. For opening Savings Account online, all you need is a mobile number for initiating the process. One just needs to submit the application and attach documents online instead of going to the bank yourself.

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