Last Updated: 01/21/2026
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Highlights
Welcome Offer
Up to $2,000(Verified 06/21/2024)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
Disclaimer popup with additional information
Citigold® Relationship Tier Review
The Citigold® Relationship Tier is offered by Citi®, a bank founded in 1812 and based in New York, NY. Citigold is available in 50 states and Washington, DC.
Key Takeaways
- Complimentary Financial Planning from Citi Personal Wealth Management. Take advantage of our team of wealth specialists to create personalized plans that help you achieve your long-term financial goals
- $2,000 Bonus offer. Open a new account, and you can get up to $2,000 with required activities. A minimum deposit of $10,000 is required to be eligible for a signup bonus (see terms and conditions for more details).
- 0% APY. As with most checking accounts, Citigold® Relationship Tier does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees as long as you keep a minimum balance of $200,000 .
- Small minimum initial deposit. You only need $1 to open an account.
- No ATM fees. Citigold® Relationship Tier 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.
Citigold Pros & Cons
| Pros | Cons |
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Citigold 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 Citigold offer?
Citigold is not an interest-bearing account.
What are the account minimums for Citigold?
Citigold requires a minimum initial deposit of $1.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $200,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Citigold charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citigold charge overdraft fees?
No, Citigold does not charge overdraft fees.What features and perks does Citigold offer?
This account includes the following features:
- $2,000 Bonus offer. Open a new account, and you can get up to $2,000 with required activities. A minimum deposit of $10,000 is required to be eligible for a signup bonus (see terms and conditions for more details).
- Fraud monitoring - Citigold 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 - Citigold 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 Citigold?
The customer support email for Citigold 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.
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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Other Checking Accounts from Citi®
Bonus Offer
Up to $2K
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.00%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.12%
Disclaimer popup with additional information
Monthly Service Fee
$5 - $15
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
Starting at $0
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.03%
Disclaimer popup with additional information
Monthly Service Fee
$0 - $15
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
Citigold® Relationship Tier Community Reviews
Would you recommend Citigold® Relationship Tier to your friends?
VA
Val A.
Mar 17, 2024
May or may not recommend
I’ve used them for 5 months. As someone who values simplicity and reliability in managing finances, Citibank has been my go-to choice. Their user-friendly digital platform makes banking effortless, while their diverse range of credit cards and investment options caters to my every need. Although fees can be a consideration, the peace of mind and convenience Citibank offers are invaluable. For a banking experience that truly puts you first, Citibank ...Show More
U
Anonymous
Oct 25, 2023
May or may not recommend
Citibank is great! It offers the service of being a big and online bank, I am happy with their credit cards and online banking features.
Showing 2 of 2 reviews
