Access a world of possibilities
with Citigold benefits.

Travel with ease by taking advantage of these special benefits.

No ATM or foreign exchange fees³

Travel across the globe with the freedom of using any ATM, while enjoying waived ATM foreign exchange fees and unlimited reimbursements on ATM fees charged by other banks.⁴

Find an ATM

Whether you’re in your home city or traveling abroad, you have access to lounges in Citi properties in cities around the world. Take a break to relax and recharge, plus meet with Citi financial professionals in a private setting.

Find a Citigold Lounge

Man, woman, child, and dog walking on a trail

Enjoy Mastercard^® Enhanced Debit Card perks

Identity Theft Protection, 24/7 - Lost or Stolen Card Replacement and a 15% Discount on Mastercard Airport Concierge™.

Call Toll Free (US): 1-800-627-8372 | For TTY: We accept 711 or other Relay Service.

Mastercard^® Guide to Benefits for Enhanced Debit Cardholders

If you need foreign currency, you have access to the next business day delivery of foreign currencies to your home, office or nearest branch.

Citi Strata Elite® Card

Qualifying Citigold Clients can enjoy a Banking Relationship Annual Credit with the Citi Strata Elite® Card.²

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Citi® / AAdvantage® Executive World Legend Mastercard®

Qualifying Citigold Clients can enjoy a Banking Relationship Annual Credit and more with the Citi® / AAdvantage® Executive World Legend Mastercard®.²

View Details

Ready to get started?

Open a new Citigold checking account to earn up to $1,500 with required activities.

Call: 1-833-382-0004 EXT 1087 |
For TTY: We accept 711 or other Relay Service.

Citi is here to help you meet your financial goals.

Sign on to schedule an appointment with your Citigold dedicated team.

If you would like to start another Citigold relationship, Open an Account Online.

Call the Dedicated Service Line:
1-833-382-0004 EXT 1087 |
For TTY: We accept 711 or other Relay Service.

Citigroup Inc. and its affiliates do not provide tax or legal advice.

As a client in the Citigold Relationship Tier, you can receive banking and lending services 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). Wealth 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.

For insurance and investments, Wealth Relationship Managers offer only term and single premium life insurance and fixed annuities. If a potential need is identified for, or you express an interest in, other insurance or investment products, you will be referred to a financial professional who offers those products. The purchase of fixed insurance and annuity products will require for administrative purposes the opening of a limited purpose investment account, that will not accommodate securities transactions.

The products and services mentioned herein are not offered to individual residents in Europe, including the European Union, European Economic Area, Switzerland, the United Kingdom, and similar countries. Your eligibility for a particular product and service is subject to a final determination by Citibank and its affiliates. This is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the banking or financial products mentioned herein to individuals outside of the United States.

Product & Pricing Information

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Pricing & Fee Waivers

Account Monthly Service Fees^* and Non-Citi ATM fees are waived for customers in the Citigold Private Client, Citigold or Citi Priority Relationship Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB) does not meet the minimum required for three consecutive calendar months, you’ll automatically be Re-Tiered.

Deposit Account	Monthly Service Fee	Options to Waive the Monthly Service Fee
Access Checking	$5.00	If your account has $250+ in Direct Deposits or other qualifying transactions,* or any owner is age 23 or younger, or you are in a Relationship Tier, you will not be charged a Monthly Service Fee for that month on the first Business Day of your next Statement Period.
Regular Checking	$15.00	If your account has $250+ in Direct Deposits or other qualifying transactions,* or you are in a Relationship Tier, you will not be charged a Monthly Service Fee for that month on the first Business Day of your next Statement Period. Important Information: Starting January 1, 2027, customers must either be in a Relationship Tier or have $1,000 or more in Direct Deposits or other qualifying transactions* to not incur a Monthly Service Fee.
Citi Savings	$4.50	If you are in a Relationship Tier, or any owner of your Citi Savings account also owns a Regular or Access Checking account, or your Citi Savings account has an Average Monthly balance of $500 or more, you will not be charged a Monthly Service Fee for that month on the first Business Day of your next Statement Period.

Your Statement Period may not cycle on the first day of the calendar month. Deposit accounts are subject to service, transaction or other fees not covered by the Monthly Service Fee. For a complete list of applicable fees, please review your Consumer Deposit Account Agreement and carefully review any fee disclosures provided at the time of a transaction or when a service is provided, such as when you open a Safe Deposit Box or order checks. Accounts with zero balances are subject to closure after 90 days.

* Direct Deposit means an Automated Clearing House (ACH) credit posted to your account via payroll, pension, or government payments. Other qualifying transactions include money received when processed through the ACH Network, including other ACH transfers and payments received from another financial institution and payments from Zelle® and other payment apps like Venmo or PayPal when processed as ACH transfers. Transfers from other banks or payment apps not via the ACH Network, mobile check deposit, funds deposited at a branch or ATM, transferring money from one Citibank account to another, or money received via a wire transfer are excluded. Note: Citi may refer to Direct Deposits and other qualifying transactions as Enhanced Direct Deposit.

Relationship Tier & Re-Tiering Information

Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account ("New to Relationship customers") may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers upon account opening.

We will begin reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit and Investment* (EDI) accounts in the first full month after you open your new account. You must achieve a $30,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citi Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain the Citigold® Relationship Tier. You must achieve a $800,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Private Client Relationship Tier. Your CAMB is determined by calculating the average monthly balance of all EDI accounts you own during a calendar month. Re-Tiering updates may not be made until end of day on the first day of the month. Fees may still apply when conducting certain intra-day transactions (such as wires) on the day your account is moved to a higher relationship tier. Please confirm your Relationship Tier by checking Citi.com or the Citi Mobile App or by speaking to a banker.

^*Eligible deposit, retirement, and investment accounts (investment accounts are offered through Citigroup Global Markets Inc.) (EDI) that you own or for which you are beneficial owner can contribute toward your CAMB. Please refer to the Consumer Deposit Account Agreement to determine which EDI accounts contribute toward your CAMB. The following accounts are excluded from EDI accounts: accounts owned by Estates, COMMA accounts, Collateral Holding accounts, Secured CD accounts, certain personal investment companies and non operating entities, accounts in a money purchase plan or profit sharing plan, certain accounts in a tax-qualified education savings plan, and accounts opening through Citi Global Wealth at Work, and Citi Private Bank.

Family Linking

If you are a deposit customer and choose to enroll in Family Linking with Eligible Family Members (“Members”), your family Combined Average Monthly Balance (CAMB) may be higher than your individual CAMB, entitling you to join Relationship Tiers offering benefits such as higher Annual Percentage Yields and certain fee waivers. Only Immediate Family Members living at the same residential address can participate in a Family Link and restrictions apply. Although Members will not have access to accounts they do not own, they will see the CAMB range for the Family Link. When deciding to join a Family Link, customers should evaluate their privacy needs along with their need for combined balance advantages. You can terminate that membership in a Family Link at any time by calling us or visiting a branch. Please see definition of Members in the Family Link section of the Consumer Deposit Account Agreement and note retirement accounts have different rules for Family Linking than other EDI accounts.

Additional Information

Please review your Consumer Deposit Account Agreement for a complete list of waived and reduced fees.

Not all benefits are available at account opening.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE SUBJECT TO CHANGE.

Everyday Benefits

All customers, including customers not in a Relationship Tier, have access to everyday features and benefits from the products they own with Citi.

65,000+ Fee-Free ATMs. Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank^® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass^® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile^® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.

Citi Mobile App and Mobile Check Deposit. In order to use digital features on Citi Online or the Citi Mobile^® App including merchant offers and money movement products, like Mobile Check Deposit and Zelle^® payments, you must agree to receive monthly statements and some legal notices electronically, only, when setting up digital access if you have not previously agreed. You can change your delivery preferences at any time after registration by managing the paperless settings for your account, and you’ll continue to have access to digital features.

Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile^® App or the Mobile Check Deposit service. You must have Internet access through your mobile device and charges from your wireless carrier may apply. Deposit limits and other restrictions apply. The Citi Mobile^® App is available for use with compatible mobile devices. Citi is not responsible for third party mobile app and other digital wallet providers where you use your Citi^® card for payment. Message and data rates may apply.

No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. An overdrawn account has a negative balance. An account can become overdrawn when a Transaction Item is deducted from your account and causes your account to have a negative balance or increases the amount by which your account is negative. In the event of insufficient funds to pay one or more Transaction Items from your Available Now Balance, in our sole discretion we may return (“Returned Item”) or pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting Overdrafts without cause or notice to you.

You may deposit checks into your account that are returned, regardless of whether or not your account is overdrawn. In addition, Access Checking accounts are designed so that Transaction Items that cause an overdraft will not be authorized.

Commission-free Trading. Commission-free trading of ETFs excludes leveraged and inverse ETFs and applies only to trades placed online and on the Citi Mobile^® App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. Account service fees may also apply. There are other costs associated with ETF and mutual fund investing, such as management fees and expenses.

Citi Self Invest. Citi Self Invest is a digital self-directed investment platform of Citi Personal Wealth Management.

Citi Mortgage Relationship Pricing. A Citibank deposit account and automated monthly transfers of the mortgage payment from a Citibank personal deposit account using automated drafting will be required to receive Citibank mortgage relationship pricing. Ask a mortgage representative for details on eligible balances and the qualifying closing cost credit or rate discount. Availability of the Citibank mortgage relationship pricing for Citibank account holders is subject to change without notice.

Lending products offered by Citibank, N.A. NMLS ID 412915. Equal Housing Lender.

Zelle^® Payments. Zelle^® is available to Citi customers with an eligible checking account and a valid email address and/or valid U.S. mobile phone number. You may send money to almost anyone with a U.S.-based bank account. Terms, conditions and restrictions apply. For the protection of your account, Zelle^® should only be used to send money to those you know and trust. Neither Citibank nor Zelle^® offer a protection program for any authorized payments made with Zelle^® — for example, if you make a purchase using Zelle^® but you do not receive the item or the item is not as described or as you expected. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Citi Priority Benefits

Everyday benefits information above, plus:

As a client in the Citi Priority Relationship Tier, you can receive banking and lending services 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). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

Citi ATM Fee Waiver. You may be charged a surcharge fee by the external bank or other ATM operator.

Citi Personal Wealth Management Investment Account Fee Waiver. The annual fee for Citi Personal Wealth Management Investment accounts is waived for the Citi Priority, Citigold and Citigold Private Client Relationship Tiers.

Discounts on Citi Personal Loans. Personal loans and lines subject to credit approval. Certain limitations may apply.

Increased Limits. Increased limits for Zelle^® transfers, debit card purchases, and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a checking account and Citi Priority, Citigold or Citigold Private Client Relationship Tier.

Citi reserves the right to temporarily reduce your limits to protect the security of your account. Your limits may be lower if you are recently enrolled in Zelle^® or you have made a change to your enrolled phone number, email address or linked account number.

Increased Citibank Global Transfer. Increased limits as compared to clients not enrolled in a Relationship Tier. Customer must have a checking, savings or money market account to send a Citibank Global Transfer. Transfer limits apply and are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. The Citibank Global Transfer Service is available only in participating locations. Please refer to your Consumer Deposit Account Agreement for additional information about this service.

Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires in foreign currency that are initiated through Citi Online or Citi Mobile. All other wire transfers, including wire transfers in foreign currency initiated at a branch or assisted by a banker and wire transfers in U.S. dollars, are subject to the fees described in your Consumer Deposit Account Agreement. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service.

Citigold Benefits

Citi Priority benefits information above, plus:

As a client in the Citigold Relationship tier, you can receive banking and lending services 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). Wealth 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.

Citi does not provide tax or legal advice.

Access to Citigold Lounges. Verification of Citigold status may be required for access to Citigold lounges in the form of a photo ID and a current Citigold debit card or other proof of current Citigold status. Citigold lounges may have varying degrees of amenities offered, may have differing policies on admittance, and may restrict admittance during the times of invitation-only functions. The depiction of some Citigold lounges may be based on artist rendering or representative real estate. Opening hours and days may change due to the holidays, natural disasters, and other events. Citigold clients may obtain the most up-to-date information on the Citigold lounges available to them by contacting their relationship manager.

ATM Fee Reimbursement. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are in the Citigold or Citigold Private Client Relationship Tiers. This ATM reimbursement is limited to consumer accounts.

Citigold Standard Design Checkbook Waiver. Fees for Citigold standard design checkbook are waived. A fee will be charged for non-standard design checkbook order (includes non-standard design, non-standard lettering, non-standard cover and non-standard logos).

Citigold Culture Pass. Customers who own a Citibank deposit account associated with an active Citigold or Citigold Private Client branded debit card (“Debit Card”) and are named on the Debit Card are entitled to participate in Citigold Culture Pass.

Limitations may apply. For information about participating organizations and access requirements, please see https://citigold.citi.com/culturepass/.

Benefits are valid during 2026 and benefits are subject to change at any time. Citi is not affiliated with the MoMA, Solomon R. Guggenheim Museum, or The New York Botanical Garden.

Citigold Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold and Citigold Private Client customers.

Select Citigold and Citigold Private Client customers will be invited to participate in the Subscription Rebate Program (“Eligible Customers”). Additional persons with a joint account or a Family Link to an Eligible Customer, as well as, persons living at the same residential address, will not be invited to participate in the Subscription Rebate Program. If you have questions about your program eligibility, contact your Wealth Relationship Manager. Eligible Customers must have a U.S residential address and purchase U.S based subscription services with their Citibank® Debit Card as follows:

Costco^®	Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck^®	Purchase at enrollment centers after applying online
Amazon Prime, Hulu^®, Spotify Premium, Global Entry, Blade^®*	Purchase on merchant websites
The Wall Street Journal*	Purchase on The Wall Street Journal website or over phone

* Blade^® and The Wall Street Journal are exclusive offerings available to Citigold Private Client customers.

Eligible Customers must be Citigold or Citigold Private Client customers with an open Checking Account at the time the subscription purchase posts to your Checking Account’s Available Now Balance and when the cash back is applied to your checking account. Cash back rebates may post up to 8 weeks after your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck^® trademark is used with the permission of the U.S. Department of Homeland Security.

The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility, Inc.

World Wallet Currency Exchange. Ordering limits apply. The exchange rate for a purchase or redemption of foreign currency includes a commission to Citibank for the conversion service. Restrictions and delivery charges may apply.

Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico. Please review your Consumer Deposit Account Agreement for a complete list of waived and reduced fees and charges for the Citigold Relationship Tier.

Wire Transfer Fee Waiver. Fees for incoming domestic and international wire transfers will be waived. The outgoing wire transfer fee will be waived for wires initiated through Citi Online or Citi Mobile. Wire transfers initiated through a branch or assisted by a banker are subject to fees. Citibank's exchange rate for wire transfers in foreign currency includes a commission for the currency conversion service. Please consult your Consumer Deposit Account Agreement for additional information.

Citigold Banking Relationship Annual Credit.

Qualifying Citigold clients can enjoy a Banking Relationship Annual Credit with Citi® / AAdvantage® Executive World Legend Mastercard and the Citi Strata Elite® Card.

To qualify for the $145 Banking Relationship Annual Credit for the Citi® / AAdvantage® Executive Card, the primary cardmember must have an open and current card with an assessed Annual Membership Fee of $595 or $695. The Annual Fee will vary depending on when you applied for the card.

To qualify for the $145 Banking Relationship Annual Credit for the Citi Strata Elite® Card, the primary cardmember must have an open and current card with an assessed Annual Membership Fee of $595.

The primary cardmember must also be an owner on a deposit account in Citigold® Relationship Tier on the date your Annual Fee is charged to your Card Account. Existing deposit customers who are not in the Citigold® Tier and intend to Up-Tier to the Citigold® Relationship Tier must meet Balance Range requirements for three consecutive months to be Up-Tiered to the Citigold Relationship Tier the first day of month 4. Existing deposit customers who enroll and meet Tier Acceleration requirements can Up-Tier in the next month. All Up-Tiering changes are effective on the first day of the month. The statement credit will be posted to your Card Account within three (3) billing cycles after the date your Annual Fee is charged to your Card Account.

Citigold Private Client Benefits

Citigold^® benefits information above, plus:

As a client in the Citigold Private Client Relationship Tier, you can receive banking and lending services 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). Wealth 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.

Citigroup does not provide tax or legal advice.

Citigold Private Client Subscription Rebate Program.

This is a Citi sponsored program for eligible Citigold and Citigold Private Client customers.

Costco^®	Purchase on Costco’s website, over phone or in Costco warehouses
TSA PreCheck^®	Purchase at enrollment centers after applying online
Amazon Prime, Hulu^®, Spotify Premium, Global Entry, Blade^®*	Purchase on merchant websites
The Wall Street Journal*	Purchase on The Wall Street Journal website or over phone