Citibank Checking Account: All You Need to Know

In the banking system of the United States, Citibank is notably mentioned. Citibank operates various types of banking activities, among which the Citibank checking account stands out.

Citibank offers maximum benefits and interest rates for the Citibank checking account. Let’s learn all the information about the Citibank checking account.

Types of Citibank Checking Accounts

Citibank provides two types of checking account services. The first one is Access Checking and the second one is Regular Checking.

Below is a brief overview of the two types of Citibank checking account services.

Access Checking

• Checkless Banking: Ideal for customers who prefer a digital-first approach without the need for check writing.
• Low Monthly Fee: $5 monthly service fee, waived for the first three months and with $250+ in Enhanced Direct Deposits.

Regular Checking

• Unlimited Check Writing: Perfect for those who need to write checks frequently.
• Higher Monthly Fee: $15 monthly service fee, waived for the first three months and with $250+ in Enhanced Direct Deposits.

Here is a short comparison of the accounts:

Feature	Access Checking	Regular Checking
Monthly Service Fee	$5 (waived for 3 months, or with $250+ deposits)	$15 (waived for 3 months, or with $250+ deposits)
ATM Fees	$2.50 for non-Citi ATMs	$2.50 for non-Citi ATMs (waived with $250+ deposits)
Overdraft/Returned Item Fees	None	None
Check Writing	Not available	Unlimited
Ideal For	Digital-first banking, no check writing	Traditional banking with check writing

Citibank Checking Account Facilities

Knowing the facilities of Citibank’s checking account will make you more interested because Citibank checking accounts offer many benefits such as:

• Citibank accounts provide 65,000 ATMs that can be used completely free.
• No overdraft fees are applicable for Citibank checking accounts.
• Online and mobile banking facilities are available, allowing easy transactions from home.
• You can easily use mobile app check deposits.
• You can easily transfer money through the Zelle app.

Eligibility to Open a Citi Checking Account

To open a Citibank checking account, you must meet the following eligibility criteria:

• Age Requirement: Be at least 18 years old.
• Identification: Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Government-Issued ID: Provide a valid photo ID such as a driver’s license or passport.

Required Documents to Open an Account

Regardless of the type of Citibank checking account you open, you must provide some necessary documents. For online applications, these documents must be uploaded online.

If you apply through a branch, these documents must be submitted directly. When opening a Citibank checking account, you’ll need to provide:

• Identification: Government-issued photo ID.
• Proof of Address: Utility bill, lease agreement, or similar document.
• Social Security Number or Individual Taxpayer Identification Number (ITIN).

Citibank Checking Account Opening Online

Now, let’s get to the main discussion of how to open a Citibank account. Citibank checking accounts can usually be opened online.

Below are step-by-step instructions on how to open a Citibank account online.

• First, visit Citibank Account Opening
• After visiting, you will see two categories: Access Checking and Regular Checking. You need to select which account you want to open.

• The next page will show a preview message. Here, select the account opening option and proceed to the next page.

• Complete the subsequent steps carefully.

• Fill out the required information accurately, and then submit the application.
• Your account will be opened online.

Learn also about the Chase Student Account

Minimum Deposit For Opening an Account

Many people want to know the minimum deposit required to open a Citibank checking account. Generally, no minimum deposit is required to open a Citibank checking account.

However, if your account remains with a zero balance for up to 90 days, the account may be closed.

Citi Checking Account Fees

You need to know about the monthly fee for maintaining a Citibank checking account. In some cases, Citibank has set monthly fees for checking accounts.

Below is the monthly account maintenance fee for both types of Citibank checking accounts: Access Account and Regular Account.

• Monthly Service Fee: $5 for Access Checking and $15 for Regular Checking, both waived under certain conditions.
• ATM Fees: $2.50 for non-Citi ATMs, waived for Regular Checking with $250+ in Enhanced Direct Deposits.
• No Overdraft Fees: Avoid fees for overdrafts and returned items.

Citibank Credit & Debit Card

Citibank offers various types of credit cards for checking accounts and other accounts. These credit cards have different benefits and features. Below is the list of Citibank credit and debit cards.

• Citi Strata Premier℠ Credit Card
• Citi Double Cash® Card
• Citi Custom Cash® Card
• Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
• Citi Rewards+® Credit Card
• Citi Simplicity® Credit Card
• Citi® Diamond Preferred® Credit Card
• Costco Anywhere Visa® Card by Citi
• Citi® / AAdvantage® Executive World Elite Mastercard®
• Citi® Secured Mastercard®
• Costco Anywhere Visa® Business Card by Citi
• AT&T Points Plus® Card from Citi

For more details on Citibank credit cards, visit Citibank Credit Cards

Citibank Checking Interest Rate

Citibank checking accounts generally do not offer interest rates on their standard checking accounts like Access Checking and Regular Checking.

These accounts focus more on providing convenience features, such as fee-free ATM access, mobile banking, and overdraft protection.

However, Citibank does offer interest-bearing checking accounts as part of their Relationship Tiers, such as Citi Priority, Citigold, and Citigold Private Client.

FAQs

• What should I do if I lose my Citibank debit card?

Ans: If you lose your Citibank debit card, you should immediately report it to Citibank customer service to prevent unauthorized transactions.

• Does Citibank offer overdraft protection for checking accounts?

Ans: Citibank offers overdraft protection options, which can link your checking account to a savings account, credit card, or line of credit to cover overdrafts and prevent declined transactions.

• Can I use my Citibank checking account internationally?

Ans: Yes, you can use your Citibank checking account and debit card internationally.