Updated September 16, 2022

How to Open a Citibank Account

How to Open a Citi Account

You can open an account online, over the phone, or in-person at a Citibank location. To complete your application, you'll need:

Driver's license, state ID, or passport
Social Security number
Personal info (name, date of birth, address, phone number, and email)
Money for opening deposit

First, decide what type of account you want to open. Then, simply fill out the application.

To take advantage of the Citibank promotion, you also need to make the minimum deposit requirement.

Check out all the individual details about Citi's checking and high-yield savings accounts below.

Is Citibank safe? Yes, Citibank is safe. Your deposits with Citibank are FDIC-insured up to $250,000 if the bank ever fails. Citi also employs security features like 2-step authentication and 128-bit SSL encryption to protect your account.^[1]

Types of Accounts

Citi offers a few different bank account options. We'll focus on the details and promotions for their checking and high-yield savings accounts.

Citibank Customer Service
Phone: 1-888-248-4226
Online: Sign on to message, or use the mobile app
In person: Visit a Citi location near you

Checking Account

Citi Checking - $1,500 Bonus

Open a new eligible Citi Checking account and enroll in this offer the same day the account was opened. Deposit at least $200,000 of new-to-Citibank funds into your new checking account within 45 days of account opening. Maintain $200,000 or more in the account for an additional 45 days after the first 45 days.

If you also open a new Citi Savings account, the required minimum balance can be held in your Citi Checking account, or in between your Citi Checking and Citi Savings accounts.

Account must have a residential/home address in NY, CT, NJ, DC, VA, MD, CA, NV, and select markets in IL and FL.

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Expires 7/7/2025

Checking with Enhanced Direct Deposit - $325 Cash Bonus

Earn a $325 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposit must equal $3,000 or more. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.

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Expires 7/7/2025

Citibank Business Checking - Up to $2,000 Bonus

Earn up to $2,000 cash bonus with required activities. Open a new CitiBusiness (Analyzed), Streamlined, or Flexible Checking account. Mention this offer to a Citibank Business Specialist. Within 45 calendar days following account opening, make one or more deposits in new-to-Citibank funds to meet the Qualifying Balance. Maintain the required Qualifying Balance for 45 consecutive calendar days after the Qualifying Balance level is met during the initial 45 calendar day funding period.

Qualifying Balance	Bonus
$5,000 - $19,999	$300
$20,000 - $49,999	$500
$50,000 - $99,999	$1,000
$100,000 - $199,999	$1,500
$200,000 or more	$2,000

Get Deal

Expires 7/7/2025

Compare Checking Accounts

Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 05/31/2025.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC.

Learn More

Expires 5/31/2025

Member FDIC

Chase Total Checking® - $300 Bonus

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
JPMorgan Chase Bank, N.A. Member FDIC
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

Open an Account

Expires 4/16/2025

Member FDIC

Business Checking Account - $400 Bonus

Earn $400 when you open a new small business checking account and complete qualifying activities.
Choose between:
- Truist Simple Business Checking—Perfect if you're just starting out or have low transaction volume.
- Truist Dynamic Business Checking—With more perks as your balances grow—and a true, local partnership.
New business checking clients only
From October 1st, 2024 – March 31st 2025

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Expires in 6 days

Terms and Conditions

Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, phone, or in a branch from 10/1/2024 through 3/31/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB24Q4BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 4/4/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The business's physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. The new business checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Only one newly opened business checking account per client is eligible to participate in this offer. Truist may report the value of any reward received to the IRS, as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the business checking account is changed to an account type not included in this offer, (2) the business checking account is closed prior to the reward being deposited, or (3) the new business checking account has a $0.00 or negative available balance at the time of qualification validation.

Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Truist reserves the right, in its sole discretion, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 9/30/2025, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB24Q4BIZAFL is entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Affiliate Q4 2024 & Q1 2025 Offer using promo code SB24Q4BIZAFL. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700.

Version 2 10172024 SB24Q4BIZAFL

High-Yield Savings Account

With interest rates higher than the national average, the Citi® Accelerate High-Yield Savings account is a better way to save. But Citi charges a $4.50 monthly fee if you do not maintain at least $500 in the account.

Citi® Accelerate High-Yield Savings - 3.70% APY

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Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois

Citi® Accelerate High-Yield Savings is only available in following states/territories: AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois

Compare Savings Accounts

Member FDIC

CIT Bank Platinum Savings - $300 Bonus

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Transfer a one-time deposit of $50,000+ for a Bonus of $300
4.10% APY with a balance of $5,000 or more
0.25% APY with a balance of less than $5,000
No monthly maintenance fee
Member FDIC

Terms and Conditions

Member FDIC

Discover® Online Savings - $200 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

Get Deal

Expires 9/11/2025

Member FDIC

High Yield Savings Account - 4.25% APY

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on Raisin's Secure Website

No fees
$1 minimum deposit
24/7 online access
FDIC insured

Bottom Line

You can open a Citibank account with your basic information and an initial deposit.

References

^ Citi Security Center. Accessed 15 Sept 2021.

Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 4/16/2025

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
JPMorgan Chase Bank, N.A. Member FDIC
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Learn More

Expires 5/31/2025

The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 05/31/2025.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC.

Member FDIC

Silver Business Checking account - $500 Bonus

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Expires in 6 days

Promo code Q1AFL25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.

Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.

Member FDIC

HSBC Premier

Learn More

Start an HSBC Premier relationship when you open a Premier checking account

Easily open an account online, from the comfort of your home.
Manage your banking needs across different time zones, with 24/7 support.
Manage your money around the world - from global transfers to multi-currency needs.
New to the U.S.? Build your U.S. credit history with one of our credit cards. Or, if you're buying a new home, you can use your international credit history to apply.
Go beyond banking with special offers, referrals for tax advice, relocation services, and more.

Includes products and services offered by HSBC Securities (USA) Inc.

Global opportunities: We provide market views and insights from around the world to help you make more informed investment decisions.
Wealth products, insights and advice from an HSBC Wealth Relationship Manager
Investment support: Your HSBC Wealth Relationship Manager is available to discuss your portfolio and financial goals

Member FDIC

Discover® Online Savings - $200 Cash Bonus

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Expires 9/11/2025

Donna Tang is a content associate at CreditDonkey, a bank comparison and reviews website. Write to Donna Tang at donna.tang@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

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This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

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