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.

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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:

download citi mobile app from the apple store

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New to Citigold?

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.

Existing Citi Customer?

Sign On

to Citi to open your Citigold account.

Already a Citigold Client?

Citi is here to help you meet your goals across the full spectrum of your financial needs.

Request an appointment with your dedicated team:

Sign On

For questions or account
support call:

1-888-248-4465 | TTY 1-800-788-6775

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 1-800-321-2484 | TTY 1-800-788-6775
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?: Simply Sign On and follow the steps to open a Citigold Account, call 1-800-321-2484 | TTY 1-800-788-6775 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?: The dedicated service line for Citigold clients is 1-888-248-4465 | TTY 1-800-788-6775. You can reach a representative 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 http://www.citi.com/investorinfo/. If you prefer paper copies, please contact your advisor or call us at (800) 846-5200. TTY 1-800-788-6775.

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.

^†Consumer Checking Cash Bonus Offer Terms & Conditions

Eligible Customers can earn the $200, $400, $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.

If you choose to change packages within 30 days of account opening (see “Package Options” below), 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.

Eligible Customers
“Checking Offer Eligible Customers” are New-to-Citibank Checking Customers. “New-to-Citibank Checking Customers” have not been a signer on a Citibank checking account within the past 180 days.

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 or interest checking account between July 1, 2020 and January 5, 2021 in an eligible Account Package listed in the Chart below (“Eligible Checking Account”). Certain Cash Bonus offers also require opening a new Citi Savings Account (see Chart below) in the same account package as the new Eligible Checking Account (“Eligible Savings Account”). The Eligible Savings Account must be opened within 30 days after the checking account’s Account Opening Date.
Second, enroll in this offer at the same time as account opening pursuant to the instructions provided. Customer is automatically enrolled when applying online.
Third, any owner of the eligible accounts must make at least the “Minimum Deposit” (see Chart below) in “New-to-Citibank Funds”, within 30 calendar days after the Account Opening Date of the checking account, into either the new Eligible Checking Account and/or the new Eligible Savings Account. Multiple deposits allowed.
“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®, Venmo, and Zelle®, do not qualify as New-to-Citibank Funds.
Fourth, the Minimum Deposit (see Chart below) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met (“Minimum Balance”). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts.

Note: If you choose to keep your entire Minimum Balance in one account, any account that maintains a zero balance for 90 days is subject to closure in Citibank’s sole discretion.

Chart

Cash Bonus	Account Package	Minimum Deposit and Minimum Balance	Savings Account Required
$200	Basic Banking Package	$5,000	no
$400	Citibank^® Account Package	$15,000	✔yes
$700	Citi Priority Account Package	$50,000	✔yes
$1,500	Citigold^® Account Package	$200,000	✔yes

Cash Bonus
The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. Open accounts must be in good standing.

Package Options
Even though Citibank allows customers to change their package type at any time, changing your package may impact your eligibility for this promotion. You are only eligible to earn the Cash Bonus for the package associated with your Eligible Checking Account on the 30th calendar day after the Account Opening Date of your checking account.

In addition, if you change your package type to one with a lower Minimum Deposit and Minimum Balance during the 60 day maintenance period, you will not fulfill Required Activities. For instance, you may not convert your Citigold Account Package to the Citi Priority Account, Citibank Account, or Basic Banking Packages and still be eligible for the Cash Bonus. You may not convert your Citi Priority Account Package to the Citibank Account or Basic Banking Package, nor can you convert from your Citibank Account Package to the Basic Banking Package and still be eligible for the Cash Bonus.

The Basic Banking Package, the Citibank Account Package, and the Priority Account Package Cash Bonus offers are available in branch, by calling 888-248-1636, or online at https://www.citi.com/checkingrewards

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. 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 checking account in 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.

IMPORTANT TAX INFORMATION ($200, $400, $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 bonus, U.S. persons must furnish Citibank with a valid IRS Form W-9 (Request for Taxpayer Identification Number and Certification). Foreign individuals must furnish a valid IRS Form W-8BEN (Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals)).

As applicable, variable rates subject to change before and after account opening. Terms, conditions and fees for accounts, products, programs and services are subject to change and may be withdrawn at any time prior to enrollment. All accounts subject to applicable terms, fees, and charges. 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.

APYs are accurate as of June 3, 2020 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.

Speak with a Relationship Manager at your local branch for more details.

This offer is subject to the disclosure available at www.citi.com/offerdetails.

© 2020 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. © 2020 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:

Earn a $1,500 Bonus with Citigold^®

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

Download the Citi Mobile App¹: