Banking with Citi | IPB U.S.

An alternative to traditional savings accounts, our Certificate of Deposits (CDs) are FDIC-insured time deposits with guaranteed interest rates, and terms from one month to five years¹.

Earn a Guaranteed Rate

Checking
The Citibank® Debit Card
Savings
Certificates of Deposit

When you bank with Citi, you can:

Open a checking or interest checking account with no minimum opening deposit¹
Obtain unlimited deposits, withdrawals, and check-writing privileges
Enjoy convenient online access
Deposit checks from your mobile device²

¹ For full terms and conditions view the Client Manual Consumer Accounts, and the respective Marketplace Addendum for International Personal Bank U.S: For Citigold^® Private Client International Account Package, Citigold^® International Account Package, Citi International Personal Account Package, click here. For Citi Global Executive Preferred Account Package and Citi Global Executive Account Package, click here

² Citibank does not charge you a fee for using the Citi Mobile^® Check Deposit service. However, charges from your wireless carrier may apply. Regular account charges apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.

Banking products and services are offered through Citibank, N.A., Member FDIC.

With Your Citibank^® Debit Card, you can:

Use your Citibank^® Debit Card instead of cash and checks-it's accepted at millions of merchants worldwide¹
Receive waivers on foreign exchange fees for cash withdrawals and debit purchases²
Enjoy enhanced protection of your account information from unauthorized access by fraudsters when used at chip-enabled terminals and ATMs
Add your Citi Debit Card to mobile wallets
Get cash worldwide at ATMs displaying the Cirrus^®, Maestro^® or MasterCard^® logos¹
- Use thousands of fee-free ATMs throughout the U.S.³

When you save with Citi, you can

Transfer money after signing on to citi.com¹
Use Auto Save to set up recurring automatic transfers from your linked checking account
Set up balance and deposit alerts²
Earn higher Annual Percentage Yield (APY) as your balance grows depending on your account package³
Sign up for Safety Check to use your Citi Savings account to cover overdrafts¹
Designate a beneficiary on your account(s)

Key Features of Our Savings Accounts
	Citibank Savings Plus Account Savings Made Simple	Citi^® Accelerate Savings Account Advance Your Savings
Earn higher rates as your balance grows³
Earn higher rates as your balance grows³	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Interest is compounded daily
Interest is compounded daily	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Interest is credited monthly⁴
Interest is credited monthly⁴	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Interest is paid according to the balance ranges maintained in the account⁴
Interest is paid according to the balance ranges maintained in the account⁴	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Make deposit and withdrawals
Make deposit and withdrawals	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Write checks
Write checks	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings —Does not have feature
The balance will contribute to the combined average monthly balance required to avoid the Monthly Service Fee in your Account Package
The balance will contribute to the combined average monthly balance required to avoid the Monthly Service Fee in your Account Package	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Deposits are FDIC insured up to applicable limits
Deposits are FDIC insured up to applicable limits	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Allows designation of a beneficiary (In Trust for Account)
Allows designation of a beneficiary (In Trust for Account)	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings Has feature
Minimum opening balance required, refer to your Account Package Terms and Conditions
Minimum opening balance required, refer to your Account Package Terms and Conditions	Citibank Savings Plus Account Savings Made Simple Has feature	Citi^® Accelerate Savings Account Advance Your Savings —Does not have feature
Have another Citi banking product? Link it to a savings account for an easier way to meet your Citi banking account package combined average monthly balance requirements and avoid monthly fees. By considering all your Citi accounts, you may earn better rates, avoid fees and enjoy a wide range of services.
Have another Citi banking product? Link it to a savings account for an easier way to meet your Citi banking account package combined average monthly balance requirements and avoid monthly fees. By considering all your Citi accounts, you may earn better rates, avoid fees and enjoy a wide range of services.
Note: The Citibank Savings Plus and Citi^® Accelerate Savings are both variable rate accounts.
Note: The Citibank Savings Plus and Citi^® Accelerate Savings are both variable rate accounts.

Discover what works best for you. View our weekly rates by account package.

Rates By Account Package

Citigold® Private Client International

Citigold® International

Citi Global Executive Preferred

Citi Global Executive

Citi International Personal - Only available to existing IPB U.S. Clients

With Citi Certificates of Deposit, you can:

Earn guaranteed interest rates for the term of your CDs²
Select from a variety of CD terms, maturity dates and laddering options
Earn Competitive rates for both short and long term goals¹
View your account(s) online through Citibank® Online
Designate a beneficiary on your account(s)

NEW

Step-Up CD

Interest rate automatically increases every 10 months
Security of FDIC insurance

Learn more

NEW

No Penalty CD

Guaranteed interest rate for the term of your CD
Withdraw full balance and interest without penalty after first 6 days you deposit funds³
Security of FDIC insurance

Learn more

Learn more about how CD laddering works.
How CD Laddering Works
Benefits of the CD Ladder

Instead of depositing your money in a single CD, you can choose to divide your funds into several CDs with varying term lengths (referred to as a CD ladder). This strategy can offer several benefits, depending on your financial needs and goals.
With a CD ladder, you can:
Earn a better overall rate: By splitting the funds over a number of FDIC-insured CDs with different maturity dates, you may be able to earn more than a single short-term CD
Obtain greater access to funds: Staggered maturities give greater access to your funds. You can get a great rate without the long wait
Example: Building a 2 Year CD ladder with $40,000:
You invest $10,000 each in four different length CDs (i.e., 6 months, 1 year, 18 months, and 2 years) with a range of rates. Each CD term is a step on the ladder.
When the 6-month CD matures, contact your financial professional to reinvest that money in a new 2-year CD. By this time your original 2-year CD has only 18 months left until it matures.
At the end of two years, you'll have four 2-year CDs on your ladder. Plus, one of those 2-year CDs will mature every six months. Which means that every six months you'll have access to money that's been growing at a very competitive rate.
Set up your CD ladder with a Citi financial professional today.
Please note: To build a successful CD ladder, you must maintain it. As each CD matures, you must contact your financial professional to reinvest the money from that CD into a new 2-year CD.
The Interest Rates and Annual Percentage Yields (APYs) for Citibank Certificates of Deposit (CDs) are fixed for the term of the CD and can change at maturity. You earn the APY in effect on the day your CD is funded. Minimum opening deposit required. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

¹ Deposits are FDIC insured up to applicable limits. For more information, visit www.fdic.gov
² A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term. Minimum opening deposit requirements may apply.
³ Your qualifying deposit must have been fully collected. Partial withdrawals are not permitted.

Banking products and services are offered through Citibank, N.A., Member FDIC.

Have questions? Contact us

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Banking with Citi | IPB U.S. - Citibank (2024)

Earn a Guaranteed Rate

When you bank with Citi, you can:

With Your Citibank® Debit Card, you can:

When you save with Citi, you can

Key Features of Our Savings Accounts

Have another Citi banking product?

Have another Citi banking product?

With Citi Certificates of Deposit, you can:

NEW

Step-Up CD

NEW

No Penalty CD

How CD Laddering Works

Benefits of the CD Ladder

With a CD ladder, you can:

Example: Building a 2 Year CD ladder with $40,000:

Have questions? Contact us

With Your Citibank^® Debit Card, you can: