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
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Overall
Customer service
Poor
Website / app
Fair
Rates
Fair
Fees
Fair
Horrible customer service
I applied and was approved to this card through American Airlines. I was able to book my flight with a temporary number that they provide you after you get approved at that point I was actually surprised, however after I received my on the mail I attempt it to use it at a gas station as AA offer 2x miles for those type of transactions my card got declined!!!! After logging into my online account, I had a message stating that the card was flagged for fraud, seriously fraud at the first transaction!!!, I went ahead and called Fraud Department and their only way that they can verify my identity is if I give them my personal bank account number or debit card number!!!!!!!! That is ridiculous I have many banks and I have never had to give other bank account to verify my identity. Matter fact one of my other cc got flagged this morning and I was able to get verify with a text and some personal info questions, long history short my card has been locked since a week ago now and I keep waiting for a “letter” that could take up to 10 days to arrive. I assume that this will be like that forever so as soon as I get the card unlocked I will be paying the flight balance and closing the account.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Very unsatisfactied
The worst bank to borrow from! They don't even give you the time of day! They make it sound easy and then you get denied!
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