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  Citigold® Relationship Tier
Citigold® Relationship Tier Claimed

Citigold® Relationship Tier

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.00%
(Verified 10/25/2023)
Monthly Maintenance Fee $0
(Verified 10/25/2023)
Minimum Balance to Avoid Monthly Fee $200,000

Citigold® Relationship Tier Review

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.
  • $0 monthly fee. 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
  • No overdraft fees on consumer checking accounts.
  • Waived fees for money orders, stop payments, and more.
  • Increased limits for debit card purchaes and daily ATM withdrawals.
  • No ATM fees at 65,000+ ATMs across the U.S.
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • Citigold concierge service.
  • Does not earn interest
  • Higher than average wire transfer fees.

Citigold 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 Citigold offer?

Citigold is not an interest-bearing account.

What are the account minimums for Citigold?

Citigold requires a minimum initial deposit of $1 to open an account.

Citigold® Relationship Tier Minimums
Description
Minimum Opening Deposit $1
Minimum Balance to Avoid Monthly Fee $200,000

What fees does Citigold charge?

The good news is that this account does not have a monthly Service Charge.

Citigold® Relationship Tier Fees
Description
Monthly Maintenance Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
Foreign Transaction Fee (Debit Card) 0%
Overdraft Item Fee $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $12
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
Online Bill Pay Fee $0
Check Image Service $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 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 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.

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

Feature Breakdown

Minimum Opening Deposit $1
Minimum Balance to Avoid Monthly Fee $200,000
Monthly Maintenance Fee $0
(Verified 10/25/2023)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
Foreign Transaction Fee (Debit Card) 0%
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $12
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
Online Bill Pay Fee $0
Check Image Service $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
  • U.S. Temporary Resident Visa Holders
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management
  • Rewards
Bonus Offer $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).
Signup Bonus Up to $2,000
Signup Deposit Requirement $10,000
APY (Annual Percentage Yield) 0.00%
(Verified 10/25/2023)

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