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  Citibank Interest Checking

Citibank Interest Checking

in Checking Accounts from Citibank

Unaffiliated

Citibank Interest Checking

Unaffiliated

in Checking Accounts from Citibank

Net Recommendation Score -33

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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  

0 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

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Monthly Fee $0 - $15
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $5,000
APY (Annual Percentage Yield) 0.03%

Citibank Interest Checking Review

Citibank Interest Checking is offered by Citibank, 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 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. Citibank Interest Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Citibank.
Citibank Interest checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Citibank Interest checking FAQ

Are checking accounts from Citibank federally insured?

No, your Citibank checking accounts are not insured by a federal insurance agency. This means that if Citibank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Citibank Interest checking offer?

Citibank 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.

Citibank 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.

Citibank Interest Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $5
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $15
NSF Fee $34
Online Bill Pay Fee $0
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $5
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
ATM Fee: Out-of-Network $0

Does Citibank Interest checking charge overdraft fees?

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

Citibank Interest checking offers 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.

How do people rate the customer service and user experience of Citibank Interest checking?

Overall, Citibank Interest checking is mostly not recommended based on community reviews that rate customer service and user experience.

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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

Other Services by Citibank

Icon for Checking Accounts
View all checking accounts offered by Citibank

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
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0
Check Copy $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $15
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $5
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
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
APY (Annual Percentage Yield) 0.03%

Citibank 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 -33, equating to 2.3 on a 5 point rating scale.

-33

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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