Last Updated: 01/21/2026
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APY (Annual Percentage Yield)
Monthly Service Fee
Citi Checking Accounts Review
Key Takeaways
- Higher than average APY. Citi Checking Accounts has an annual percentage yield of up to 0.12%, which is higher than the national average interest rate on savings accounts.
- No monthly maintenance fee. Fee waived for 3 months after account opening or with a Relationship Tier or each month the account has $250+ in Enhanced Direct Deposits.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Citi Checking Accounts does not charge fees on ATM transactions within its network but there is a fee of $2.50 for out-of-network ATM transactions .
Citi Checking Accounts Pros & Cons
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Citi Checking Accounts FAQ
Are checking accounts from Citi® federally insured?
What APY does Citi Checking Accounts offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.12% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the account minimums for Citi Checking Accounts?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Citi Checking Accounts charge?
Fee waived for 3 months after account opening or with a Relationship Tier or each month the account has $250+ in Enhanced Direct Deposits.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Fee waived for 3 months after account opening or with a Relationship Tier or each month the account has $250+ in Enhanced Direct Deposits. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Citi Checking Accounts offer?
- Mobile Banking Services - Citi Checking Accounts allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Citi Checking Accounts?
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
Citi Checking Accounts Community Reviews
Would you recommend Citi Checking Accounts to your friends?
Emily M.
Oct 26, 2023
May or may not recommend
Showing 1 of 1 reviews
