Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.12%(Verified 06/21/2024)
Monthly Service Fee
$5 - $15(Verified 01/21/2026)
Citi Checking Accounts Review
The Citi Checking Accounts is offered by Citi®, a bank founded in 1812 and based in New York, NY. Citi Checking Accounts is available in 50 states and Washington, DC.
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?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Citi Checking Accounts offer?
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| APY (Annual Percentage Yield) | 0.12% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Citi Checking Accounts offers an APY of 0.12% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Citi Checking Accounts?
Citi Checking Accounts does not require a minimum initial deposit.
| 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Citi Checking Accounts offer?
This account includes the following features:
- 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?
The customer support email for Citi Checking Accounts is customer.help@citi.com.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM