Citi 花旗也是大银行，但在美国的网点比 Chase, Wells Fargo, BOA 要少很多，基本只有大城市。它家 ATM 倒是有很多，很多 Costco, CVS, Target 都有 Citi 的 ATM。
Citi 的 banking 业务提供五组 package，分别是：Citigold, Citi Priority, The Citibank Account , Basic Banking, Access Account ，其中 Citigold 和 Citi Priority 可选择 Regular Checking 或 Interest Checking。在办理以上五组 package 时，Citi 会同时帮你开通 checking 和 savings 账户。
Citi 支票账户对比
| Checking 名称 | 账户管理费 | 支票费用 | 他行 ATM 取款 |
| Access Account | $10。免月费条件： – 每月一次 Direct Deposit – 每月用该账户支付一次帐单 – 账户余额不低于$1500 | – 无支票 | $2.50 |
| Basic Banking | $12。免月费条件： – 每月一次 DD + 支付帐单一次 – 账户余额不低于$1500 – 帐户第一所有人为62岁以上 | – 付费购买 | – $2.50 – 62岁以上免费 |
| Citibank Account | $25。避免月费条件： – 账户余额不低于$10,000 | – 首本标准版免费 | 账户余额10k免费 |
| Citi Priority | $30。免月费条件： – 账户余额不低于$50,000 | – 标准版支票免费 | 无 |
| Citigold | – 无管理费。 – 但账户余额要求 $200k | – 标准版支票免费 – 余额$500k所有支票免费 | 无 |
Citi 储蓄账户
无论选择上述的哪一种package，开通的都是Citi® Savings Account储蓄账户。但不同的package，在利率、账户管理费方面会有差异。
- 开户存款要求：无。
- 账户管理费：Basic和Access Account 账户：$4.50/每月。其它账户免费。
- 账户年利率如下：
| 存款金额 | Access | Basic Banking | The Citibank | Citi Priority | Citigold |
| 低于10,000 | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% |
| 大于10,000， 低于25,000 | 0.04% | 0.04% | 0.04% | 0.06% | 0.06% |
| 大于25,000 低于50,000 | 0.06% | 0.06% | 0.06% | 0.08% | 0.1% |
| 大于50,000 低于100,000 | 0.06% | 0.06% | 0.08% | 0.1% | 0.1% |
[add-post id=40180] [add-post id=1468]
你好，请问，我现在想注销citibank 的银行卡，把存款都取出来，我该如何操作呢？谢谢你
打电话给客服，或去店里。关闭银行账户一般不能在网上进行。
开通700的奖励账户，有什么注意问题吗？5万在储蓄账户和支票账户都可以吗？转钱可以ACH吗？存入60天后就可以转出来，并且免费自由消户吗？管理费一个月30呢！
1，转钱可以ACH吗？
官网解答：“New-to-Citibank Funds” are 1) funds deposited from external accounts or payees other than Citibank, N.A. and 2) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank, N.A. or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as Apple Pay, PayPal®, Venmo, and Zelle®, do not qualify as New-to-Citibank Funds.
2，5万在储蓄账户和支票账户都可以吗？存入60天后就可以转出来，并且免费自由消户吗？
官网解答：
The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts.
The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. Eligible accounts must be open and in good standing from the time they are opened until the Cash Bonus is credited or you will not be eligible to receive the Cash Bonus.
3，网页拉至最下方有完整的terms&conditions介绍。
想开citi priority package，不过我在Portland OR，查了一下，本地都是ATM，没有branch，请问如何完成50k的存款呢？ATM 有存款限额吗？
你好！ citi的ATM存款限额是多少，我不太清楚。
根据官网的介绍，50k的存款只需要符合以下情况就可以：
“New-to-Citibank Funds” are 1) funds deposited from external accounts or payees other than Citibank, N.A. and 2) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank, N.A. or wire transfer. Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as Apple Pay, PayPal®, Venmo, and Zelle®, do not qualify as New-to-Citibank Funds.
请问citi如何关闭账户？
打客服电话 1 (800) 374-9700，或在账户里发信息。