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Last Updated: 01/21/2026

Citi® Interest Checking

in Checking Accounts from Citi®

Last Updated: 01/21/2026

Rating not yet determined4 total votes

3 users are unsure

1 users don't recommend

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Highlights

Welcome Offer

Starting at $0(Verified 06/21/2024)

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.03%(Verified 06/21/2024)

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Monthly Service Fee

$0 - $15(Verified 01/21/2026)

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Citi® Interest Checking Review

The Citi® Interest Checking is offered by Citi®, a bank founded in 1812 and based in New York, NY. Citibank Interest checking is available in 50 states and Washington, DC.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.03% .
Charges a monthly fee. This account charges a monthly fee of up to $15, but the fee may be waived if you keep a minimum balance of$5,000.
Small minimum initial deposit. You only need $1 to open an account.
No ATM fees. Citi® Interest Checking does not charge fees on ATM transactions .
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Citi® mobile or online banking.

Citibank Interest checking Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Interest-yielding account.
Debit card

No signup bonus.
Higher than average wire transfer fees.

Citibank Interest checking FAQ

Are checking accounts from Citi® federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #07213). 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 Citibank Interest checking offer?

Citi® Interest Checking Rates & Terms

Description

APY (Annual Percentage Yield)

0.03%

Citibank Interest checking offers an APY of 0.03% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Citibank Interest checking?

Citibank Interest checking requires a minimum initial deposit of $1.

Citi® Interest Checking Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $5,000

Minimum Opening Deposit

Starting at $1

What fees does Citibank Interest checking charge?

This account charges a monthly maintenance fee each statement cycle of up to $15.

Citi® Interest Checking Fees

Description

Monthly Service Fee

$0 - $15

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $0

NSF Fee

$34

Overdraft Item Fee

Starting at $34

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $0

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $35

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $12

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

Does Citibank Interest checking charge overdraft fees?

Yes, Citibank Interest checking charges a $34 fee for every overdraft.

What features and perks does Citibank Interest checking offer?

This account includes the following features:

Fraud monitoring - Citibank Interest checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Citibank Interest checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Citibank Interest checking?

The customer support email for Citibank Interest checking is customer.help@citi.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Citibank Interest checking

Open a checking account in one of our account packages. Secure online banking, mobile check deposit, access to cash with the most fee-free ATMs of any major bank in the U.S. and more – available with every Citi checking account, whether you select everyday or premium banking.

Robust banking with your choice of Regular or Interest Checking. With The Citibank Account, you get ability to earn Citi ThankYou® Rewards Points. No Citi fee for using non-Citi ATMs when monthly balance requirements are met. Option to earn interest on your checking account balance. Potential to earn higher interest rates on savings and money market accounts.

Contact

Headquarters

388 Greenwich Street

New York, NY 10013

Visit Site

Email Support

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

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Strongly recommended

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Bonus Offer

Up to $2K

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.00%

Disclaimer popup with additional information

Monthly Service Fee

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Up to $2K

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Monthly Service Fee

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Citi Checking Accounts

Rating not yet determined

1 review

Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.12%

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Monthly Service Fee

$5 - $15

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-25

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Citi® Interest Checking Community Reviews

Would you recommend Citi® Interest Checking to your friends?

Sienna B.

May 8, 2022

May or may not recommend

The primary reason I opened a Citibank checking account was so I could do free Global Transfers to my Korean account when I lived there. But heard that the Korean Citibank is shutting down, so that benefit is essentially gone. I will say, however, that I didn't have any problems with the account both in America and Korea when I used it more actively. I think it's a great option ...Show More

T S.

Jan 24, 2021

May or may not recommend

I used the Citibank Interest Checking account for a short period of time due to the fact that there was a $15 dollar fee for maintaining an account balance below $1,200. Due to the purpose of this account, I felt that the benefits of Citibank's services were outweighed by paying $180 per year. As a final assessment, this would be a good account for someone that doesn't experience fluctuations in ...Show More

Anonymous

Jun 25, 2015

May or may not recommend

I have to say that I am torn with this bank. On the one hand, they've treated me well at my local bank, but I'm not treated that well when I call the 800 number or when I try to come up with the best banking options for me. I have quite a bit of money with them, but I'm thinking of removing it.

Anonymous

Jun 25, 2015

May or may not recommend

I'd heard a lot of bad things about Citibank, but I decided to give it a try anyway, because my work is near a branch, and there are no others for quite a ways. I have to say that I've been pleased with the experience. They have always been there when I have needed assistance.

Showing 4 of 4 reviews