Citigold® Checking Account at a Glance

• Our Assessment: 4/5 stars

• APY: Not Applicable

• Initial Deposit Required: N/A

• Introductory Bonus: Up to $2,500, Offer Ends July 8, 2024

An Elite Account with Exclusive Privileges

Disclaimer: The information provided here is accurate as of the date of publication, though some featured promotions may have expired.

Presently, seizing the opportunity to earn up to $2,000 awaits those who initiate a Citigold® Checking Account through our affiliate, Citi, and fulfill the minimum deposit requirement of $200,000. This exclusive checking account caters to affluent clientele seeking a suite of advantages spanning banking, wealth management, lending, travel, and lifestyle perks.

For those contemplating the switch to a Citigold® Checking Account, here’s a comprehensive overview.

Benefits:

• No monthly maintenance fee

• Unlimited reimbursement of out-of-network ATM charges

• Access to premier banking and travel privileges

Drawback:

• Maintaining a substantial combined average monthly balance across eligible linked accounts is mandatory for account holders.

Citigold® Checking Account Incentive

The Citigold® Checking Account Bonus is already a valuable proposition, enticing customers to consider transferring some of their assets to Citi. Adding to its appeal, until July 8, 2024, the bank sweetens the deal with a sign-up bonus for new account holders who meet specific deposit criteria.

During this promotional period, you stand to earn a cash bonus ranging from $200 to $2,000, contingent upon the amount you deposit. Here’s a breakdown of the bonus structure:

1. Deposit: $10,000 – $29,999, Bonus Cash: $200

2. Deposit: $30,000 – $74,999, Bonus Cash: $500

3. Deposit: $75,000 – $199,999, Bonus Cash: $1,000

4. Deposit: $200,000 – $299,999, Bonus Cash: $1,500

5. Deposit: $300,000 or more, Bonus Cash: $2,000

To qualify for the bonus on the Citigold® banking package, you must fund your newly opened account with new monies not previously held at Citi within the first 20 calendar days of account opening (your account balance on day 20 determines the maximum cash bonus tier you are eligible for). Subsequent to this, you are required to maintain that qualifying deposit amount in the account for an additional 60-day period, commencing from the 21st day after account creation.

While managing your funds, ensure a minimum balance of $10,000 remains in your account throughout to secure the lowest bonus tier, as your bonus eligibility adjusts if your balance drops to a lower tier during the maintenance period. Your bonus will be credited within 30 calendar days after fulfilling the requirements.

Moreover, it’s important to note that to qualify for and retain the Citigold® Checking Account, you must maintain a combined average monthly balance of $200,000 or more across eligible linked Citi deposit, investment, and retirement accounts.

About the Citigold® Account Package

Within the realm of banking, Citi’s Citigold® account stands out, offering a comprehensive suite of benefits that extend beyond traditional banking services. Delve into the details below to uncover the wealth of advantages associated with this premium account package.

1. Fee Structure and Interest Rates

The Citigold® account distinguishes itself with its fee-friendly approach. Foremost, there’s no monthly service fee to worry about. Moreover, the account grants you relief from various common banking fees:

• Enjoy unlimited refunds on ATM fees worldwide, even at non-Citi ATMs.

• Say goodbye to fees for standard checkbook orders, stop payments, overdrafts, incoming wire transfers, and money orders.

• Experience fee-free domestic and international wire transfers to eligible Citi accounts through the Citibank® Global Transfers service.

• When using your debit card abroad, bid farewell to foreign transaction fees.

• Benefit from World Wallet’s delivery of foreign currency without incurring any delivery fees.

Furthermore, by integrating a Citi® Accelerate High-Yield Savings Account into your banking relationship, you stand to earn a competitive APY on your savings balance.

2. Enhanced Banking Features

Unlike conventional banking setups that impose restrictions on debit card transactions and ATM withdrawals, the Citigold® account elevates your financial freedom with generous limits:

• Enjoy a daily limit of $2,000 for both ATM cash withdrawals and debit card transactions, towering over the limits imposed by standard Citi accounts.

While the Citigold® account itself doesn’t mandate a minimum balance or direct deposit, a minimum balance of $200,000 across your eligible linked Citi accounts is necessary to maintain the account’s status.

Moreover, exclusive to Citigold® account holders is access to a dedicated customer service line, ensuring personalized assistance whenever needed.

3. Wealth Management Advantages

For individuals managing substantial wealth, the Citigold® account package extends access to Citi Personal Wealth Management. This comprehensive platform not only offers conventional investment avenues like stocks, bonds, and mutual funds but also opens doors to alternative investment opportunities such as hedge funds and private equity.

Additionally, you’ll be paired with a seasoned Citi Wealth Advisor who will guide you through crafting a tailored financial strategy, dispensing recommendations, monitoring your portfolio’s progress, and more.

4. Borrowing Benefits

Citigold® account members are entitled to exclusive discounts on various financial products such as Citi mortgage loans, home equity loans, personal loans, and personal lines of credit.

The specifics of these discounts are not publicly disclosed by Citi. However, upon opening your Citigold® account, you can consult your dedicated Citigold® Relationship Manager to learn more about the potential savings available to you.

It’s worth noting that while Citigold® benefits encompass home equity loans and lines of credit, Citi is presently not accepting new applications for these home equity products. For updates on availability, please consult your Citigold® Relationship Manager.

5. Enhanced Travel Privileges

With your premium Citigold® account package, you’ll enjoy exclusive privileges when traveling internationally. These benefits include the waiver of foreign transaction fees, reimbursement for non-Citi ATM fees, and access to over 100 lounges located in Citi properties worldwide. Locate brick-and-mortar branches using the bank’s location finder tool.

Additionally, leverage the bank’s concierge service for assistance in booking reservations, tickets, and vacations. Benefit from next-business-day delivery of foreign currencies before your travel dates.

Should you encounter an eligible emergency during your international travels, Citigold® provides you with up to $10,000 in cash per day, drawn from your available account balance.

6. Lifestyle Benefits

Citigold® membership grants you access to a range of lifestyle benefits, including:

• Participation in educational events

• Exclusive dining experiences hosted by renowned chefs

• VIP privileges at various music, theater, and entertainment events

• Exclusive access to sporting events, with opportunities to meet prominent sports personalities and secure discounted tickets

• Complimentary or discounted admission to select museums and performing arts organizations

• A complimentary one-year membership to Citi Bike, typically priced at $185 annually

Is the Citigold® Account Package Suitable for You?

If you seek a premium account that caters to your banking and wealth management requirements comprehensively, Citigold® presents a compelling option. Whether you wish to explore its benefits temporarily or for the long term, now is an opportune moment to apply and take advantage of the account’s sign-up bonus.

While the interest rates associated with Citigold® and other Citi checking accounts may be modest, the bank’s savings account offers a competitive rate of return.