Checking & savings
Checking accounts with tiered relationship banking benefits and the Citi Accelerate Savings online savings account.
Global bank
Banking, credit cards, and global services.
Citi, the U.S. consumer banking brand of Citigroup, offers personal checking and savings accounts, credit cards including the Double Cash and Custom Cash, home loans, and investment products.
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Key services
- Checking & savings✓
- Credit cards✓
- Home loans✓
- Investment accounts✓
- Global transfers✓
Online & branch banking
About Citi
A global bank with everyday banking and popular cash-back credit cards.
Citi offers personal banking products including checking and savings accounts, certificates of deposit, and Citi Accelerate Savings, which is an online savings account. Its credit card portfolio is well known for the Double Cash card — which earns 2% cash back on all purchases — and the Custom Cash card, which earns 5% back in your top eligible spending category each billing cycle.
The Citi Mobile app lets customers manage accounts, pay bills, transfer funds, and monitor spending. Citi has a branch presence primarily in major metropolitan areas but also offers online and phone banking services.
Common uses
What Citi offers.
Citi covers several common financial needs in one place.
Credit cards
The Citi Double Cash, Citi Custom Cash, Citi Premier, and other cards with cash-back and travel rewards structures.
Home loans
Mortgage and refinancing products through CitiMortgage for eligible customers.
Investment services
Investment and retirement account options through Citi Personal Wealth Management.
Who is it for
Who uses Citi.
Citi is a good fit for people who want simple, flat-rate or category-based cash-back credit cards such as the Double Cash or Custom Cash, existing Citi relationship customers who maintain multiple accounts for relationship-based fee waivers, and individuals in major cities who have access to Citi branches.
Getting started
How to get started with Citi.
Visit citi.com to apply for a credit card or open a checking or savings account online. A government-issued ID and Social Security number are required.
For credit cards, review the current welcome offer, rewards structure, and annual fee. Citi's Double Cash and Custom Cash cards have no annual fee.
For checking accounts, review the monthly fee and how to waive it — typically through maintaining a combined average monthly balance across linked Citi accounts.
Download the Citi Mobile app to manage all accounts, set up bill pay, monitor transactions, and track rewards.
Common questions
Frequently asked questions about Citi.
How does the Citi Double Cash card work?
The Citi Double Cash card earns 1% cash back when you make a purchase and an additional 1% when you pay for that purchase, totaling up to 2% cash back. There is no annual fee. Cash back can be redeemed as a statement credit, direct deposit, or check.
How does the Citi Custom Cash card work?
The Citi Custom Cash card automatically earns 5% cash back on your highest eligible spending category each billing cycle, on up to $500 in purchases per cycle. Eligible categories include restaurants, gas stations, grocery stores, and others. All other purchases earn 1% cash back. There is no annual fee.
Does Citi have branches near me?
Citi's branch network is concentrated in major metropolitan areas including New York, Los Angeles, Chicago, Miami, and Washington D.C. Many banking services are also available through Citi Online and the Citi Mobile app. Visit citi.com to find branch and ATM locations.
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Information source: Citi's official U.S. website and product pages. Last verified June 2026.
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