Pros

Up to $600 sign-up bonus.
Strong online and mobile features, including budgeting and many customer service options.
60,000+ fee-free ATMs.
1,800 overseas branches.

Cons

APY starts at 0.04% on standard savings account; better rates available elsewhere.
Balance of at least $500 required in basic savings account to waive monthly fee, more than some competitors require.
U.S. branches (about 700) are fewer than similar-sized peers.

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Overall

3.5

Citibank offers a range of products and tools you’d expect from a big bank, but it also has drawbacks often seen with large institutions, and it falls short of peers in some areas. Citibank is the retail banking division of Citigroup, a New York-based financial services provider with 200 million customer accounts worldwide. Ratings methodology | Updated Jan. 10, 2019

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.

Citi Savings
APY
0.04%
Min. balance for APY
$1

at Citibank,

Member, FDIC

How does Citibank compare?

Citibank

Citi Savings

cheatgame.info Rating

APY

0.04%

Monthly Fees

$5

Bonus features

Live help 24/7

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

cheatgame.info Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

HSBC

Online Savings Account

cheatgame.info Rating

APY

2.30%

Monthly Fees

$0

Bonus features

Competitive APY

No Monthly Fee

Not for you? Read more bank reviews
cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Deceptive or incompetent?
I cannot determine if Citibank bonus offer of $500 I applied for after seeing on Nerd Wallet is a fraud or if those handling applications are simply incompetent. I applied for this checking and savings account on May 22, 2019 and within a week or so they had all the information from me they required in the first week including verification of the trial deposits to fund the accounts with $15,000. Every other day I have had to call them asking why they were not funding the account and I was told it was being processed that day. It is now June 21, 2019 and the account is still not funded. I was told this morning again the funding was started yesterday and would not be in the account for five days. This is too late to meet the requirement that accounts had to be funded within 30 days. Since it was their fault the funding was not done for weeks after account was set up the rep who was very kind said a dispute was filed in my name. Does that mean I will get the bonus? Well no not for certain! It means that once the bonus is not given then I can file this dispute they gave me a reference number for. It will then be looked at by someone there and if they still don’t approve then I can file a dispute again. Sigh! After spending endless hours over the past 30 days talking with them and sitting on hold for very long periods every other day waiting to talk about the lack of funding of this account I do not believe anything they tell me. It is my intention to cancel the account today and just move on and not wait months waiting for a battle over a non payed bonus that is clearly their fault. When a bank makes an error I believe they should take responsibility and fix the problem. Citibank is not doing that! And so I wonder today is this failure to fund for three weeks after they had everything they required a failure by design or caused by incompetence? You have all the information I have to make that decision for yourself. Good luck if you go ahead. One more thing and that is if your direct deposit is social security don’t even bother thinking you can get that bonus. They require two direct deposits in 60 days of applying and that is not possible. Account opening is the date of application, not when they get around to actually open the account. Even if they opened it in a week one could not get the federal government to change your deposit bank that quickly so the very best one could hope for is one direct deposit getting to account within 60 days of applying they require 2! I wondered too if they knew this and just offered this bonus knowing only a small number of applicants could possibly achieve this. I see now all these negative reviews and disappointed I did not see these before applying. I saw nerdwallet’s High review and went ahead. Disappointed nerd wallet has not done more research before recommending this bank.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Citi is slick
This bank is a fraud. You cannot find anyone to help you. I spent many years trying to add my wife to my accounts and they lied and stone walled me and my wife was never added to my accounts.
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