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

3.0

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
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Overall
Customer service
Poor
Website / app
Fair
Rates
Poor
Fees
High
They discriminate against their applicants
Based on the law, no credit card company should discriminate against their customers based on nation of origin! They did that to me !!! with excellent score!
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Never Citibank again
Charged me interest for being 3 days late-- ok, I get it. But then they charged me interest for the next month, paid on time. This is their policy. It just happened that that balance, the one paid on time, was huge because of some medical bills incurred unexpectedly, a big heating bill, etc. When I called them, they would not even consider removing or lowering the overblown interest charge (I have good credit; interest rate should have been lower anyway). I also spoke to a manager with no results. I have been a customer for many years and always pay my bill on time. I also pay online, so they don't have to deal with paper. I have cancelled my account. If I could rate them ZERO I would.
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