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
0.01%
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
Poor
Rates
Poor
Fees
High
These guys are fraud!
They took my money. Whenever I try to contact them, I get a new story. These guys are fraud.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
DON'T USE THIS BANK
I just got off the phone with customer service because I've been making deposits from work and they haven't cleared. I need to pay a bill ASAP and so I called to get them cleared and these women that sounded like they're located in the Philippines kept saying no and I should look to other options outside my own account to pay my bills. WTF!!!! They were so rude too, I told them I really need my money today and the "supervisor" straight up said I should find a quick job to get quick money to pay my bills. Haha bullshit company and as soon as my checks clear, I'm out!
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