Citibank provides a range of online banking benefits and features designed to enhance your financial management, regardless of your relationship tier. From everyday conveniences to premium perks for valued clients, understanding these benefits can help you make the most of your Citi account.
Everyday Online Banking Benefits with Citi
Even without a specific Relationship Tier, all Citibank customers can access valuable everyday benefits through Citi’s online platform and mobile app.
Extensive Fee-Free ATM Access
Citi boasts a broad network of over 65,000 fee-free ATMs across the United States. This claim is based on locations where you can withdraw cash without incurring a surcharge from the ATM operator. As a Citibank customer, using your Citibank Banking Card at ATMs within Citibank branches, select retail locations, and MoneyPass® Network ATMs ensures no surcharge fees. Standard account charges still apply. While ATMs at retail stores and non-Citi locations offer fewer functionalities, you can easily locate the nearest surcharge-free ATMs using the Citi Worldwide ATM/Branch Locator available on Citibank Online or the Citi Mobile® App. MoneyPass is a registered trademark of Fiserv, Inc.
Alt text: Find surcharge-free Citibank ATMs across a vast network using Citi Online and Mobile Banking tools.
Citi Mobile App and Mobile Check Deposit
Embrace the convenience of banking on the go with the Citi Mobile App and Mobile Check Deposit. Citibank does not charge fees for using these services; however, standard account charges apply, and data charges from your wireless carrier may apply. The Mobile Check Deposit service, available for personal checking accounts (eligibility required), allows you to deposit checks remotely, saving you time and trips to the bank. Deposit limits and other restrictions are in place.
Alt text: Deposit checks securely and conveniently from anywhere using Citi Mobile Check Deposit feature on your smartphone.
No Overdraft Fees
Citibank’s policy of no overdraft fees provides peace of mind, although customers are encouraged to manage their accounts responsibly to avoid overdrafts. While Citibank will not charge an overdraft fee, it’s important to understand the implications of overdrawing your account, which means having a negative balance. While the ability to overdraw might be limited and discontinued at Citibank’s discretion, this policy can help you avoid unexpected charges. Be aware that a Fee for Deposited Check Returned Unpaid may still apply if deposited checks are returned.
Zelle® for Easy Online Payments
Utilize Zelle® for fast and easy money transfers directly through Citi Online Banking or the mobile app. Zelle® is available to Citi customers with a qualifying checking account and a valid U.S. mobile number or email address. Send money to almost anyone with a U.S. bank account. Remember, Zelle® is best used for sending money to people you know and trust, as neither Citibank nor Zelle® offers protection for authorized payments if you don’t receive the purchased item or if it’s not as expected. Zelle® and related marks are owned by Early Warning Services, LLC.
Commission-Free Trading with Citi Self Invest
For those interested in investment, Citi Online Banking provides access to commission-free trading of ETFs through Citi Self Invest. This benefit applies to online and Citi Mobile® App trades, excluding leveraged and inverse ETFs. While ETF trading is commission-free, remember that ETFs have management fees and other expenses outlined in their prospectus. Phone trades of ETFs incur commissions, and account service fees may also apply. Citi Self Invest is Citi Personal Wealth Management’s digital self-directed investment platform.
Citi Mortgage Relationship Pricing
Homebuyers can benefit from Citi Mortgage Relationship Pricing. To receive this pricing, you’ll need a Citibank deposit account and set up automated monthly mortgage payments from a Citibank personal deposit account. This can unlock closing cost credits or rate discounts. Contact a mortgage representative for complete details on eligible balances and specific benefits, as availability is subject to change.
Enhanced Online Banking with Citi Priority Benefits
Building upon the everyday benefits, Citi Priority clients experience enhanced online banking services and features.
Waived ATM Fees Globally
Citi Priority extends ATM fee waivers beyond the US. While external banks or ATM operators may still impose surcharges, Citi Priority clients often receive waivers or reimbursements for these fees, enhancing access to cash worldwide.
Increased Online and Mobile Limits
Enjoy higher limits for Zelle® transfers, debit card purchases, and ATM withdrawals compared to standard accounts. This provides greater flexibility and convenience for managing larger transactions through online and mobile banking platforms. This benefit requires a checking account and Citi Priority, Citigold, or Citigold Private Client Relationship Tier.
Citi Personal Wealth Management Investment Account Fee Waiver
The annual fee for Citi Personal Wealth Management Investment accounts is waived for Citi Priority clients, further reducing costs associated with managing investments online through Citi’s platform. This benefit is also available to Citigold and Citigold Private Client Relationship Tiers.
Discounts on Citi Personal Loans
Citi Priority clients also gain access to discounts on Citi Personal Loans, subject to credit approval and certain limitations. These discounts can be accessed and managed through your online banking portal, offering a streamlined experience for borrowing needs.
Premium Online Banking with Citigold Benefits
Citigold elevates the online banking experience with a suite of premium benefits, in addition to the benefits offered in the Citi Priority tier.
Wire Transfer Fee Waivers via Online and Mobile
Citigold clients benefit from waived wire transfer fees for transactions initiated through Citi Online or the Citi Mobile App. This is particularly valuable for those who frequently send money domestically or internationally. Note that wire transfers initiated through a branch or with banker assistance are still subject to fees. Citibank’s exchange rate for foreign currency wire transfers includes a commission for currency conversion.
Exclusive Citigold Concierge Access
While not directly online banking, the Citigold Concierge service, accessible via phone or potentially online, offers personalized assistance for various needs, from travel arrangements to event bookings. This service is provided by Aspire Lifestyles for Citigold clients.
Access to Citigold Lounges
Citigold status grants access to exclusive Citigold Lounges, though details on locations and access policies are best confirmed through your dedicated Citigold team. Verification of Citigold status, potentially through your online profile or mobile app, may be required.
Citigold Culture Pass
Enjoy complimentary daytime admission to renowned cultural institutions like the Museum of Modern Art (MoMA), Solomon R. Guggenheim Museum, and The New York Botanical Garden with the Citigold Culture Pass. Obtain offer codes online or through your Wealth Advisor for online ticket purchases, and present your Citigold debit card and ID for entry.
ATM Fee Reimbursement Worldwide
Citigold clients receive reimbursement for ATM fees charged by other banks globally, in any statement period where they maintain Citigold status. This reimbursement applies to consumer accounts, making international online banking and travel more convenient.
Toll-Free Citigold Service Center Access
Citigold members have toll-free access to the US-based Citigold Service Center, particularly useful when traveling and needing immediate assistance with your accounts.
Citigold Subscription Rebate Program
Citigold customers are often invited to participate in the Subscription Rebate Program, earning cash back rebates on select subscriptions like Costco, TSA PreCheck®, Hulu®, Amazon Prime®, Spotify Premium, and Global Entry when purchased with their Citibank® Debit Card. Purchases must be made online or according to program terms.
Elite Online Banking with Citigold Private Client Benefits
Citigold Private Client represents the highest tier, incorporating all Citigold benefits and adding even more exclusive online banking advantages.
Increased Mobile Check Deposit Limits
Citigold Private Client members benefit from significantly increased mobile check deposit limits, both for individual checks and per account limits, providing greater deposit flexibility through the mobile app.
Enhanced Citigold Private Client Subscription Rebate Program
The Subscription Rebate Program expands for Citigold Private Client, including additional eligible subscriptions like Blade® and The Wall Street Journal, further maximizing the value of your online banking relationship.
Citibank’s online banking platform is designed to provide a seamless and feature-rich experience across all tiers. From basic account management to premium lifestyle benefits, understanding and utilizing these features can significantly enhance your financial life. For complete details on terms, conditions, and fees, please refer to your Client Manual Agreement and Account Agreement and Notices.
Alt text: Access and manage your full suite of financial services anytime, anywhere with Citi Online Banking on your computer.
