Citigold^®. Wealth management on your terms.

Wealth management is more than saving for a distant goal. Discover how Citigold can help you enjoy today while planning for tomorrow.

WEALTH MANAGEMENT ON YOUR TERMS

Earn Up To $1,500

Start a new Citigold relationship to earn cash with required activities.^*

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Explore the Benefits of Citigold

Citigold opens doors to more possibilities with complimentary financial planning, preferred banking benefits and world-class investment capabilities. Plus, a Citigold relationship helps you enjoy the life you've created with unique experiences and travel and lifestyle benefits.

Financial Planning

Complimentary financial planning to help you reach your goals and explore new possibilities.

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Investing

World-class investment platform, access to global insights, and pricing benefits.

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Banking

Personal service, waived fees, preferred pricing, and more conveniences.

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Relationship-based pricing, and guidance from lending professionals who can help meet your needs.

Travel & Global Benefits

Benefits and perks that travel with you, at home or abroad.

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Lifestyle Experiences

Special access and unique experiences across entertainment, sports, culture and more.

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Experience the Difference a Dedicated Team Makes

As a Citigold client, you have a Citigold Relationship Manager and a Citi Personal Wealth Management Wealth Advisor collaborating to provide you with integrated, personalized financial guidance.

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Most people don’t realize how personalized our guidance is. One size doesn’t fit all.

Stay on Top of the Changing Financial Landscape

From timely market insights to financial guidance on life events, you have access to a breadth of financial education and economic updates.

Integrated wealth management and banking built for the way you live today.

Connect with your Citigold Relationship Manager or Citi Personal Wealth Management Wealth Advisor with one tap
Use your face, fingerprint or PIN to securely sign on
Manage your Citi banking, credit cards, loans and Citi Personal Wealth Management (CPWM) brokerage accounts all in one place
Buy and sell equities, exchange-traded funds (ETFs) and mutual funds in your CPWM account
Transfer money between linked accounts
Get the latest market news and quotes, and create watch lists

Download the Citi Mobile App¹:

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Ready to Get Started?

Start a new Citigold relationship to earn up to $1,500 with required activities.

Your Citigold relationship begins with a Citigold account and opens the door to so much more.

Open an Account Online Open an Account Online

Call: 1-866-458-9209 1-833-382-0004 (EXT 1087) | Speech or Hearing Impaired Customers Dial: 711

Existing Citi Customers: Sign On to Citi to open your Citigold account or Contact Your Dedicated Team

Frequently Asked Questions

What is Citigold?: Citigold is comprehensive wealth management for banking, investing and your lifestyle.

What are the key benefits of a Citigold relationship?: Citigold opens doors to more possibilities for you and your family. With a Citigold relationship, you have a dedicated team, complimentary financial planning, world-class investing capabilities, preferred pricing on select products and exclusive travel and lifestyle benefits.

How do I begin a Citigold relationship?

A Citigold relationship starts with a Citigold Interest Checking account in a Citigold Account Package. To remain a Citigold client, maintain a minimum combined average monthly balance of $200,000 in eligible linked banking, retirement and investment accounts.

Open an Account Online

Visit a Citibank Branch or Call: 1-800-458-9209 | Speech or Hearing Impaired Customers Dial: 711
Existing Citi Customer?
Sign On to Citi to open your Citigold account.

Is there a monthly service fee?: There is no monthly service fee for the Citigold Account Package.

I already have a Citibank account, how do I upgrade to a Citigold relationship?: Sign On and follow the steps to open a Citigold Account. Call: 1-800-458-9209 | Speech or Hearing Impaired Customers Dial: 711 or Visit a Citibank branch.

How do I find a Citigold lounge or Citigold Client Center?

Citigold clients have access to over 100 lounges located in cities around the world. Find Citigold lounge at https://citigoldlounges.citi.com

COVID-19: Citigold lounges may be temporarily closed to protect the health and safety of our clients and employees. Visit https://citibank.com/locations to stay up-to-date on the branches and ATM locations near you.

What is the customer service number for Citigold clients?: Dedicated Service Line: 1-888-248-4465 | Speech or Hearing Impaired Customers Dial: 711. Representatives are available 24 hours a day, 7 days a week.

How do I make an appointment with my dedicated team?: Sign On and schedule an appointment online.

INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Important Information for You to Know About Our Business and Relationship With You

We are required to deliver two important disclosure documents about our business and relationship with you:

Form Client Relationship Summary ("Form CRS") is a brief summary of the brokerage and advisory services we offer.
Regulation Best Interest Disclosure Statement is a more detailed description of the brokerage services we offer and our obligations under Regulation Best Interest when we make recommendations to you as your broker-dealer.

Please review both of these important documents online at https://www.citi.com/investorinfo/.
If you prefer paper copies, please contact your advisor or call us at (800) 846-5200. | Speech or Hearing Impaired Customers Dial: 711

Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

As a Citigold client, you can receive banking and lending services, including The Citigold Account Package, from Citibank, N.A. (“Citibank”), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App. You must have Internet access through your mobile device and charges from your wireless carrier may apply.

^*New to Citi Checking Cash Bonus Offer Terms & Conditions

You can earn a $300, $700 or $1,500 Bonus by opening a new Checking Account, funding it with New-to-Citibank Funds within 20 days, and maintaining that balance for another 60 days.

Qualify

So long as you have not owned a Citi checking account in the last 180 days, are at least 18 years old, and furnish or have a valid Form W-9 or Form W-8BEN on file with Citibank and are not subject to backup withholding, you can participate in the New to Citi Checking Cash Bonus Offer in select markets. Customers who open via phone or apply online with a residential/home (not mailing) address in an Eligible Location can qualify. “Eligible Locations” include Military Customers elsewhere in the Americas, Military Customers in Africa, Canada, Europe or Middle East, Alaska, Alabama, Military Customers in the Pacific, Arkansas, American Samoa, Arizona, Colorado, Delaware, Georgia, Guam, Hawaii, Iowa, Idaho, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maine, Michigan, Minnesota, Missouri, Northern Mariana Islands, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virgin Islands, Vermont, Washington, Wisconsin, West Virginia, Wyoming and select markets in Florida and Illinois.

Certain “Checking Accounts” are eligible for the New to Citi Checking Cash Bonus Offer. Your new Checking Account can be an Interest Checking or Regular Checking Account in either the Citigold^® Account Package, Citi Priority Package, Citibank^® Account Package, or Basic Banking Package (only Regular Checking available for Basic) from the time you open your account until you receive your Bonus.

Checking Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs, CESAs, money purchase pension plans and profit sharing plans), and other trust accounts will not qualify for this offer.
International Personal Bank customers are not eligible for this offer.

Here are the steps to qualify:

First, open a new Checking Account between July 1, 2021 and October 4, 2021 (“Offer Period”).
Second, so long as October 4th has not passed, enroll in the New to Citi Checking Cash Bonus Offer on the same day you open your new Checking Account pursuant to the instructions provided. You can enroll online by clicking “enroll now” and following the instructions for online account opening or by contacting a Citibank representative by phone and asking the representative to enroll you in the New to Citi Checking Cash Bonus Offer. However, if you open your account on citi.com by any other means than those described, you will not be eligible to earn the New to Citi Checking Cash Bonus Offer.

Third, on the 20th Day after you open your account, we will check your “On Deposit” balance in New-to-Citibank Funds which will determine the Maximum Bonus you can try to earn (“Balance”). Your Balance must be held in your eligible Checking Account. As long as you maintain at least a $15,000 Balance every day for 60 calendar days after your 20th Day (“Maintenance Period”) you will remain eligible for a Bonus, but please understand if your Balance falls into a lower Balance Tier for even one day during the Maintenance Period, your Maximum Bonus will change (see Chart).

For example, if your Balance on the 20th Day is $200,000, the Maximum Bonus you can try to earn is $1,500. If your Balance is $150,000 on day 45, however, the Maximum Bonus you can earn changes to $700.
“New-to-Citibank Funds” are 1) funds deposited from external accounts or payees other than Citibank, N.A. and 2) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank, N.A. or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, Zelle^® transactions and person-to-person transfer services such as Apple Pay, PayPal^®, and Venmo, and Zelle^®, do not qualify as New-to-Citibank Funds.
You cannot use a Citi Accelerate Savings Account or a Citi Savings Account to maintain your Balance as part of this offer and still be eligible to earn the Bonus.

“20th Day” means the 20th calendar day after you open your Checking Account, but don’t worry if your 20th Day falls on a weekend or U.S. National holiday. If that happens, we will count the next Business Day as your 20th Day instead. If you open your new Checking Account by calling Citibank at 1-833-382-0004 EXT 1088 we will look at the 30th Calendar Day to determine your Maximum Bonus.

Chart

Balance Tiers	Maximum Bonus
$15,000 - $49,999	$300
$50,000 - $199,999	$700
$200,000 and above	$1,500

Fourth, to remain eligible, your Checking Account must remain open and in good standing from the time it’s opened until you receive your Bonus. Your Bonus will be paid to your Checking Account within 90 days after you successfully complete all required activities. Note: If your Checking Account maintains a zero balance for 90 calendar days, it is subject to closure in Citibank’s sole discretion and you will no longer be eligible for this offer.

Multiple Offers

The New to Citi Checking Cash Bonus Offer is a checking offer. Checking Accounts may only be used to fulfill the New to Citi Checking Cash Bonus Offer once per Offer Period. If you enroll in multiple checking account offers during an offer period and fulfill multiple checking account offers in the same month, you will be awarded the offer with the highest bonus value. If you enroll in multiple checking account offers during an offer period and fulfill multiple checking account offers across different months, you will be awarded the bonus of the first checking offer to qualify. Customers can only participate in each checking account offer once per offer period. If you enroll in multiple checking account or savings account offers during the Offer Period, the requirements of each offer must be met separately.

This offer may be withdrawn prior to enrollment. All accounts subject to applicable terms, fees, programs, products, and services which are subject to change. Accounts subject to approval. Participation and enrollment in a promotional offer does not guarantee eligibility or fulfillment of the promotional offer. Annual Percentage Yields (APYs) are variable and subject to change without notice after the account is opened. Speak to a banker for more details. All accounts subject to the Client Manual Consumer Accounts and Marketplace Addendum.

APYs are accurate as of June 29, 2021. Interest Checking APY is 0.03% for Citigold and Citi Priority and 0.01% for the Citibank Account Package.

Important Tax Information: The bonus will be reported to the IRS as interest to the first signer on the account, in the year received, as required by applicable law. Bonus payments received by U.S. persons will be reported on IRS Form 1099-INT for the year received. Bonus payments received by non-U.S. persons will be reported on IRS Form 1042-S for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor. To be eligible for the Bonus, U.S. persons must furnish or have a valid IRS Form W-9 (Request for Taxpayer Identification Number and Certification) on file and foreign individuals must furnish or have a valid IRS Form W-8BEN (Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals)) on file. Accounts subject to backup withholding are ineligible.

Applicable Fees

For the Basic Banking Package, to waive the $12 monthly service fee, make one qualifying direct deposit per statement period and one qualifying bill payment per statement period, or maintain a $1,500 or more combined average monthly balance in eligible linked accounts. Fee also waived for first listed account owners 62 or older. A monthly service fee of $25 and a $2.50 non-Citibank ATM fee apply to the checking account in the Citibank Account Package if a combined average monthly balance of $10,000 or more is not maintained. A monthly service fee of $30 applies to the Citi Priority Account Package if a combined average monthly balance of $50,000 or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package. If you do not maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to the Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package. Fees could reduce account earnings. For all account pricing details please visit citi.com/compareaccounts.

© 2021 Early Warning Services, LLC. All rights reserved. Zelle and the Zelle marks used herein are trademarks of Early Warning Services, LLC. Other product and company names mentioned herein are the property of their respective owners. Zelle^® Transfers through Citibank Online and the Citi Mobile^® App are subject to terms, conditions and restrictions in the Citibank Zelle Transfer Terms and Conditions and the Citibank Client Manual-Consumer Accounts.

Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.’s licenses. ©2021 PayPal, Inc.

Apple Pay is a registered trademark of Apple Inc. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply. Certain other trademarks listed above are owned by third parties not affiliated with Citibank.

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WEALTH MANAGEMENT ON YOUR TERMS

Earn Up To $1,500

Explore the Benefits of Citigold

Financial Planning

Investing

Banking

Borrowing

Travel & Global Benefits

Lifestyle Experiences

Experience the Difference a Dedicated Team Makes

Stay on Top of the Changing Financial Landscape

Manage Banking and Investment Accounts with Ease Using the Citi Mobile® App

Download the Citi Mobile App1:

Ready to Get Started?

Manage Banking and Investment Accounts with Ease Using the Citi Mobile^® App

Download the Citi Mobile App¹: