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Citibank 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 .

If you're looking for bank promotions, you must check out these offers.

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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

    Savings
    0.04% - 0.15% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
    CD
    0.10% - 0.40% 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.
    Money Market
    A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
    Customer Service
    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.
    IRA CD
    Can convert an IRA to a regular CD account. 0.10% - 0.40% 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.
    Locations
    700 Citibank branches across 13 states (mostly in California and New York)

Pricing information from published website as of 07/08/2020.

 Chase
 Learn MoreVisit Site
 

Citibank

Chase

 

Benefits and Features

Savings0.04% - 0.15% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.10% - 0.40% 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.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Money MarketA.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100. 
Customer Service24/7 Live Customer Service (Telephone)
24/7 by phone
ATMs2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.Over 16,000 Chase ATMs nationwide
IRA CDCan convert an IRA to a regular CD account. 0.10% - 0.40% 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 MarketCan convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100. 
Locations700 Citibank branches across 13 states (mostly in California and New York)
Nearly 4,900 branches
 Learn MoreVisit Site

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 07/08/2020.

Chase: Pricing information from published website as of 07/02/2020


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