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 a $1,500 Bonus with Citigold^®

Start a new Citigold relationship to earn a cash bonus 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.

MARKET REACTION
Too Hot to Handle?

Rising U.S. Treasury yields took center stage last week, sparking a further rotation into value and cyclical stocks and out of Technology stocks. In the United States, the S&P 500 tumbled 2.5% while the Dow Jones slipped 1.8%. The tech-heavy NASDAQ, which is ...

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WEBCAST
Yields Have More Room to Rise

Shawn Snyder joins the Bloomberg “What Goes Up” podcast to discuss what caused yields to cool off and what to expect next.

Listen to Podcast (35:39)

MONTHLY MARKET SNAPSHOT
Rates March Higher

Long-duration interest rates in the U.S. continued to climb higher in March. In the United States, the Dow Jones jumped 6.6% as confidence in the economic outlook gained steam.

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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 a $1,500 cash bonus 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 1069) | 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.

^*National Consumer In Branch, Digital, and Prospect Checking Cash Bonus Terms and Conditions

Offer

Checking Offer Eligible Customers can earn the $300, $700 or $1,500 “Cash Bonus” during the Offer Period by completing the following Required Activities. By participating in the “Checking Cash Bonus Offer”, you agree to be bound by the following Terms and Conditions.

Eligibility

“Eligible Customers” must (1) not have been an owner or signer of a Citibank consumer checking account within the last 180 calendar days, (2) be at least 18 years old and (3) furnish or have a valid Form W-9 or Form W-8BEN on file with Citibank and are not subject to backup withholding.

Existing Private Bank customers and International Personal Bank customers are not eligible for this offer.

Offer available in select markets.

Definitions

“30^th Day” means the 30^th calendar day after the Account Opening Date for your Eligible Checking Account. If either the 30th calendar day or the Account Opening Date fall on a non-Business Day, the first Business Day after those events will be used. For example, if you open your account on April 2^nd, which is a Business Day, your 30^th Day is May 3^rd.

“Account Opening Date” means the date your eligible account has been assigned an account number.

“Eligible Packages” are the Citigold^® Account Package, Citi Priority Package and Citibank^® Account Package.

“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, and person-to-person transfer services such as Apple Pay, PayPal^®, and Venmo, and Zelle^®, do not qualify as New-to-Citibank Funds.

Required Activities

If Eligible Customers open their eligible accounts by any other means than those described, they will not be enrolled in this Offer and will not be eligible for the Cash Bonus.

Eligible Customers must:

First, open a new consumer Regular Checking or Interest Checking account in an Eligible Package (“Eligible Checking Account”) between April 2^nd, 2021 and June 30^th, 2021 (“Offer Period”). The maximum amount of Cash Bonus you are eligible to earn will be determined by your Eligible Package on the 30th Day (see Chart).
- Even though Citibank allows customers to change their package type at any time by contacting a Citibank representative at a branch or over the phone, changing your package may impact your eligibility for this promotion. For instance, after the 30^th Day, Eligible Customers may not convert 1) a Citigold Account Package to either the Citi Priority Package or Citibank Account Package or 2) a Citi Priority Account Package to the Citibank Account Package. The Citibank Account Package cannot be converted after the 30^th Day. In addition, if you change your package to one with a lower Minimum Balance (see Chart) or one that is not an Eligible Package after the 30^th Day, you will not fulfill Required Activities.
- If you choose to change packages within 30 days of account opening, your change reflects 1) that you have reviewed the new package offer’s terms and conditions, which appear in this document and 2) have consented to participate in the offer for that package.
- Fiduciary, estate, business and or trust accounts are not eligible for promotional offers even if they otherwise meet the definition of an eligible account. However, trust accounts that are a living trust and custodial accounts are eligible. Citibank Retirement Accounts (IRAs, SEPs, CESAs, money purchase pension plans and profit sharing plans) and deposits into Citibank Retirement Accounts are not eligible for this Offer.
Second, enroll in the Checking Cash Bonus Offer by the 30^th Day pursuant to the instructions provided.

Third, your New-to-Citibank Funds balance in the Eligible Checking Account must meet the Minimum Balance requirement for your Eligible Package (see Chart) by the 30^th Day. Only New-to-Citibank Funds deposited after the Account Opening Date of your Eligible Checking Account can meet this requirement. You must maintain that applicable Minimum Balance for 60 consecutive calendar days (“Maintenance Period”). The Maintenance Period begins on the latest of 1) the first day the Minimum Balance is met for an Eligible Package (see Chart) or 2) the 30^th Day. Multiple deposits allowed.

If you choose to keep your entire Minimum Balance in one account, any account that maintains a zero balance for 90 calendar days is subject to closure in Citibank’s sole discretion.
If your Minimum Balance drops for even one day below the required balance applicable to your Eligible Package during the Maintenance Period, you will not be eligible for this promotion.
Examples:
✓ If you open your Eligible Checking Account in the Citibank Account Package and deposit $15,000 on the same day, your Maintenance Period begins on day 1.
✓ So long as the 30^th Day has not passed, that same account can be converted to the Citigold Account Package by contacting a Citibank representative at a branch or over the phone and will be subject to the Citigold Account Package Minimum Balance which is $200,000. In such a situation, the Maintenance Period will begin on the 30th Day, or earlier if the Minimum Balance reaches $200,000.
✓ If your Eligible Package on the 15^th day was the Citibank Account Package and you convert to the Citigold Account Package on or before the 30^th day, your balance cannot drop to $199,999.99 or lower for even one day during the Maintenance Period, or you will not earn the Cash Bonus.

Chart

Cash Bonus	Eligible Packages	Minimum Balance
$300	Citibank^® Account Package	$15,000
$700	Citi Priority Account Package	$50,000
$1,500	Citigold^® Account Package	$200,000

Fourth, your Eligible Checking Account must remain open and in good standing from the Account Opening Date until the Cash Bonus is paid. The Cash Bonus based on the Chart will be paid to your Eligible Checking Account within 90 calendar days from the date you complete all Required Activities.

The Citibank Account Package and the Priority Account Package Cash Bonus offers are available in branch, by calling 833-382-0004 EXT 1070, or online at www.citi.com/checkingrewards.

Applicable Fees

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.

Other Offers

Eligible Checking Accounts may only be used to fulfill the Checking Cash Bonus Offer once per Offer Period. The Checking Cash Bonus Offer is a checking account offer. 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. Eligible Customers can only participate in each checking account offer once per offer period. If an Eligible Customer enrolls in multiple checking account or savings account offers during the Offer Period, the requirements of each offer must be met separately.

IMPORTANT TAX INFORMATION ($300, $700 and $1,500 Offers): 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 Cash 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.

This offer may be withdrawn prior to enrollment. All accounts subject to applicable terms, fees, and charges. Terms, conditions and fees for accounts, products, programs and services are subject to change. Fees may reduce earnings. 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.

Citibank provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. Promotional offers are not, and should not be construed as, offers, invitations or solicitations to buy or sell the products or services at issue to individuals outside of the United States.

APYs are accurate as of April 1, 2021 Interest Checking APY is .03% for Citigold and Citi Priority and .01% for the Citibank Account Package. Depending on balances, APYs in Citi Savings Accounts in the Citigold and Citi Priority packages range from .04% to .15%, and .04% to .13% in the Citibank Account Package.

© 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.

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WEALTH MANAGEMENT ON YOUR TERMS

Earn a $1,500 Bonus with Citigold®

Explore the Benefits of Citigold

Borrowing

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?

Earn a $1,500 Bonus with Citigold^®

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

Download the Citi Mobile App¹: