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  Citi® Interest Checking
Citi® Interest Checking
in Checking Accounts from Citi® · Member FDIC
Claimed

Citi® Interest Checking

Claimed
in Checking Accounts from Citi® · Member FDIC
Net Recommendation Score -25  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -25, equating to 2.5 on a 5 point rating scale.

-25

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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Highlights
Community Rating

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Cashback Rewards N/A
APY (Annual Percentage Yield) 0.03%
Monthly Fee $0 - $15
Minimum Balance to Avoid Monthly Fee Starting at $5,000

Citi® Interest Checking Review

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

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • Low APY. The maximum annual percentage yield for this account is only 0.03%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $15, but the fee is 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 through Citi®.

Citibank Interest checking Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Higher than average wire transfer fees.
  • Monthly service charge.

Citibank Interest checking FAQ

Are checking accounts from Citi® federally insured?

Yes, your deposits are insured up to $250,000 per person 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 to open an account.

Citi® Interest Checking Minimums
Description
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $5,000

What fees does Citibank Interest checking charge?

This account charges a monthly service fee of up to $15.

Citi® Interest Checking Fees
Description
Monthly Fee $0 - $15
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $0
Early Account Closure $0

Does Citibank Interest checking charge overdraft fees?

Yes, Citibank Interest checking charges a $34 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

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 checks 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

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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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $5,000
Monthly Fee $0 - $15
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC
Signup Bonus Starting at $0
Signup Deposit Requirement $0
APY (Annual Percentage Yield) 0.03%

Citi® Interest Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -25, equating to 2.5 on a 5 point rating scale.

-25

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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