Pros

Strong online and mobile features, including budgeting and many customer service options
60,000+ fee-free ATMs
4,000+ overseas branches

Cons

0.01% APY on standard savings account; better rates available elsewhere.
Balance of at least $500 required in basic savings account to waive monthly fee
U.S. branches (over 1,000) are fewer than similar-sized peers

Overall

3.5

Citibank is the retail banking division of Citigroup, a New York-based financial services provider that has 200 million customer accounts worldwide. It offers the range of products and tools you’d expect from such a large institution. But it also has the drawbacks of big banks, and it falls short of peers in some areas.

Ratings methodology | Updated June 13, 2017

Checking

3.5

Citibank's various checking accounts generally come in combination packages with savings accounts, which have many fees or requirements. The checking account in the basic banking package has the best balance of options to avoid the monthly fee and have access to services such as checks.

Savings Plus Account
0.04%
APY
$1
Min. balance for APY
Learn moreat Citibank
Basic Checking
$12
Monthly fee
$1,500
Balance to waive monthly fee
Learn moreat Citibank
NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Worst customer service ever!!
Horrible branch locations and customer service is the worst. I don’t recommend this bank to anyone
Overall
Customer service
Poor
Website / app
Fair
Rates
Poor
Fees
High
Beware of scam artist.
Citi is the worst. I was offered a settlement to which I paid. 2 months later they are telling me that I am behind on payments and I owe them more money. When I tried calling customer service they direct me to the recovery office. If I wanted to talk to recovery that is who I would have called. Not to mention you never speak with an office that is in America but an office across the world. They refused to tell me anything about my account and told me to fax in a dispute letter. How am I going to write a dispute letter if I don't even know whats going on with my account. After finally getting a hold of someone in America a couple of days later they report to the credit bureau that I was charged off with bad debt. I want to know how when I wasn't even able to speak to anyone about my account and 2 months ago I was settled. All they want is more money and I wish I would have never gone with Citi. If you value your money and credit score please stay away at all cost.
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