at Citibank,

Member, FDIC

Pros

Up to $600 sign-up bonus.
Strong online and mobile features, including budgeting and many customer service options.
60,000+ fee-free ATMs.
1,800 overseas branches.

Cons

APY starts at 0.04% on standard savings account; better rates available elsewhere.
Balance of at least $500 required in basic savings account to waive monthly fee, more than some competitors require.
U.S. branches (about 700) are fewer than similar-sized peers.

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Overall

3.5

Citibank offers a range of products and budgeting tools you’d expect from a big bank, but it also has drawbacks often seen with large institutions, and it falls short of peers in some areas. Citibank is the retail banking division of Citigroup, a New York-based financial services provider with 200 million customer accounts worldwide.

 

Ratings methodology | Updated Aug. 6, 2019

Checking

4.0

Citibank's various checking accounts generally come in combination packages with savings accounts, which have many fees or transaction requirements. But if you qualify for a sign-up bonus, and meet requirements to waive the fee, the account could be worth a look.

 

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.

Citi Savings
APY
0.04%
Min. balance for APY
$1

at Citibank,

Member, FDIC

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
Awful customer service and bank
I have been a customer for over 12 years as citipriority overall the bank has gotten worse and I am leaving. They have awful customer service they are inefficient and not a good choice to bank online
Overall
Customer service
Poor
Website / app
Fair
Rates
Excellent
Fees
Low
Not trustworthy
I signed up online. There are no Citibank locations in Colorado. When I was researching I was told by the their call center that I could fund my account at any of their ATM's. I went to 3 of them and I could only withdraw money from 2. The 3rd gave me an error message. The ATM was affiliated with another bank. They said Citi was not one of their approved banks however it was on Citi's website as no fee ATM. I called the call center and asked what the problem was. Rep didn't know, said the ATM wasn't working properly. Try later I asked if that ATM would have charged me a fee. He said it didn't matter since the transaction didn't go thru. I said 'let's say the transaction did go thru, would I have been charged?' Again he said it didn't matter. I asked to speak to a manager. She told me that I CAN'T fund the account at an ATM, I had to mail the check. I would have had to overnight it to meet the deadline so I could collect my bonus. At this point I didn't trust them at all and decided not to fund the account. If I had this much frustration just to open the account I can only imagine if they had my money and I had a problem.
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