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Citibank Promotions
Citibank is currently offering four promotions. Read our in-depth review of Citibank to see why Citibank scored 3.5 stars out of 5. We like their perks for high balance customers, many fee-free atms, and global presence .
Citi Account Package - $400 Bonus
Open a new checking and savings account in the Citibank Account Package.
Within 30 days of opening your account deposit $15,000 New-to-Citibank funds into the checking and/or savings account.
Maintain a minimum balance of $15,000 in your eligible linked checking and/or savings account for 60 days.
Citi Account Package - $500 Bonus
Eligible customers must enroll in the "$400/$500 Checking and Savings Offer" promotion. Open a new qualifying Checking AND Savings Accounts. To get the $500 bonus, customer must make a deposit of $15,000 (multiple deposits allowed) within 30 days of account opening. Account must maintain a minimum balance of $15,000 for 60 consecutive calendar days following the date the $15,000 deposit was made. Complete one qualifying direct deposit into the eligible Checking Account each month for two consecutive months within 60 days of account opening.
Citi Account Package - $600 Bonus
Open a new checking and savings account in the Citibank Account Package.
Within 30 days of opening your account deposit $50,000 New-to-Citibank funds into the checking and/or savings account.
Maintain a minimum balance of $50,000 in your eligible linked checking and/or savings account for 60 days.
Citi Basic Banking Package - $200 Bonus
Open a new checking account in the Basic Banking Package.
Within 30 days of opening your account deposit $5,000 New-to-Citibank funds into the new checking account.
Maintain a minimum balance of $5,000 for 60 days.
Citibank Offers You May Have Missed
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- Citibank Account Package: you must maintain a balance of at least $10,000 in order to waive the monthly service fee. Otherwise, the monthly service fee is $25.
- Citi Priority Account Package: you must maintain a balance of at least $50,000 in order to waive the monthly service fee. Otherwise, the monthly service fee is $30.
Savings Account - Earn Up to $700
Fund a new or existing Eligible Savings Account with a minimum of $25,000 in new-to-Citibank funds by 9/30/2018 and maintain the minimum deposit until 12/31/2018 and you can earn a cash bonus between $200 - $700
Citi Priority Account Package - $600 Bonus
Open a new checking and savings account in the Citi Priority Account Package
Within 30 days of opening your account deposit $50,000 New-to-Citibank funds into the checking and/or savings account
Maintain a minimum balance of $50,000 in your eligible linked checking and/or savings account for 60 days
Citi Account Package - $300 Bonus
Open a new checking account in the Citi Account Package.
Within 30 days, make a qualifying deposit of at least $15,000, and maintain a minimum balance of $15,000 for 60 consecutive days following the date when you made the qualifying deposit.
There is a $25 monthly service fee (waived if you maintain a balance of $10,000 or more).
Citi Checking Account Package - $500 Cash Bonus
Citi Priority Account Package - $500 Cash Bonus
Open a new checking account in the Citi Priority Account Package.
Within 30 days, make a qualifying deposit of at least $50,000, and maintain a balance of $50,000 or more for 60 days consecutive calendar days following the date when you made the qualifying deposit.
Within 60 days, 1 qualifying direct deposit must post to the new checking account each month for 2 consecutive calendar months after account opening.
There is a $30 monthly service fee (waived if you maintain a balance of $50,000 or more).
Citibank has 700 branches across the U.S. Accounts must be opened as a checking & savings package. Service fees and ways to waive are on the high side. Best for high-balance customers.
Checking Account Bonuses
Citibank often offers cash bonuses for new banking customers. Some deals are for opening a checking plus savings account package. Offers are usually available for residents nationwide.
All CitiBank checking accounts offer free online banking, bill pay, and mobile deposits.
How to Avoid Citibank Account Fees
- Access Account Package. The $10 monthly fee can be waived if you: make a direct deposit or a bill payment per statement cycle, OR maintain a combined average monthly balance of at least $1,500 in linked Citibank accounts. This account has no check writing or overdraft fees.
- Basic Banking Package. The $12 monthly fee can be waived if you: make a direct deposit or a bill payment per statement cycle, OR maintain a combined average monthly balance of at least $1,500 in linked Citibank accounts, OR are 62 or older.
- Citibank Account Package. The $25 monthly fee can be waived if you maintain a combined average monthly balance of at least $10,000 in linked deposit, retirement, and investment accounts.
- Citi Priority Package. The $30 monthly fee can be waived if you maintain a combined average monthly balance of at least $50,000 in linked deposit, retirement, and investment accounts.
- Citigold Package. There is no monthly service fee if you maintain a combined average monthly balance of at least $200,000 in linked deposit, retirement, and investment accounts.
How to Get the Best Deal at Citibank
Citibank is best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.
If you can keep enough on deposit to open one of the Citibank Account Package and above accounts (which requires at least $10,000 in combined balance), you get perks such as:
- Opportunity to earn Citi ThankYou Rewards
- Free checkbook orders (how many free orders depends on which account you have)
- Option to earn interest on checking balance
- No Citi fee when using non-Citi ATMs
- Potential for higher interest rates on savings products
- Waived annual fee for Citi Personal Wealth Management investment account (for Citi Priority and Citigold customers)
Highlights
0.04% APY. No minimum deposit. 4$ monthly fee unless you maintain an average monthly balance of $500.
0.05% - 2.60% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
24/7 Live Customer Service (Telephone)
2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.
Can convert an IRA to a regular CD account. 0.05% - 2.60% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100.
700 Citibank branches across 13 states (mostly in California and New York)
Pricing information from published website as of 11/30/18
|  | |
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Citibank | US Bank | |
|---|---|---|
Benefits and Features | ||
| Savings | 0.04% APY. No minimum deposit. 4$ monthly fee unless you maintain an average monthly balance of $500. | 0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance. |
| CD | 0.05% - 2.60% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets. | 0.05% - 2.75% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. |
| Money Market | A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100. | 0.04% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $1,000 minimum daily ledger balance OR $2,500 average monthly collected balance. |
| Customer Service | 24/7 Live Customer Service (Telephone) | 24/7 Live Customer Service (Telephone) |
| ATMs | 2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs. | More than 4000 ATMs across the country |
| IRA CD | Can convert an IRA to a regular CD account. 0.05% - 2.60% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets. | |
| IRA Money Market | Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100. | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. |
| Locations | 700 Citibank branches across 13 states (mostly in California and New York) | More than 3000 branches across the country. |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citibank: Pricing information from published website as of 11/30/18 US Bank: Pricing information from published website as of 9/21/18 | ||
Citi Savings Account - Earn Up to $2,500
Open an eligible Savings Account and earn up to $2,500. Eligible Citi Savings Account include the Citibank Account Package, the Citi Priority Account Package, or the Citigold Account Package. Eligible customers must enroll in the Promotional Interest Rate Offer and make a qualifying deposit of $25,000 or more within 10 days of account opening. Eligible customers who open a new Citi Savings Account in either Citi Priority Account Package or Citigold Account Package must also have or open an Eligible Checking Account. See offer for more details.
Earn Up to $100 Per Referral
Enroll in Citibank's Member-Get-Member Program to start referring people. To qualify for the cash bonus, the person you refer must not have an existing account with Citibank. You can get the cash bonus only after the person you refer opens a new eligible Citibank checking account.
Citibank Alternatives
- Earn 2.05% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to earn APY is $1
- Member FDIC
HSBC Direct Savings - 2.05% APY
Open a Savings Builder High Yield Savings Account and Get a 2.25% APY. Terms Apply
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