Citibank (Citi) is one of the largest banks in the United States, offering access to 65,000+ fee-free ATMs, including the MoneyPass network. Citi uses a Relationship Tier system — Citi Priority, Citigold, and Citigold Private Client — where your combined balances across linked accounts determine your fees, ATM cost reimbursement, and benefits.
The key checking fact: Regular Checking costs $15/month and Access Checking costs $5/month, and both are waived with $250 or more in Enhanced Direct Deposits or other qualifying transactions each calendar month — no bill-payment condition required.
Citibank at a Glance
| Feature | Details |
|---|---|
| Monthly fee — Regular Checking | $15 (waived with $250+/mo in qualifying deposits, or Relationship Tier) |
| Monthly fee — Access Checking | $5 (waived same way, or if owner is 23 or younger from July 18, 2026) |
| Monthly fee — Citi Priority | $0 (Relationship Tier reached at $30,000+ combined balance) |
| Monthly fee — Citigold | $0 (Relationship Tier reached at $200,000+ combined balance) |
| Non-Citi ATM fee | $2.50 (not waivable via deposits — only via Relationship Tier) |
| Routing number (NY / wire) | 021000089 |
| SWIFT code | CITIUS33 |
| CD minimum deposit | $500 (per Citi’s account agreement) |
| Savings monthly fee | $4.50 for Citi Savings and Citi Accelerate Savings (waived with $500+ balance or a linked checking account) |
Citibank Account Tiers
Citi’s Relationship Tier structure means your combined balances across checking, savings, CDs, and qualifying investment accounts determine your benefits:
| Tier | Combined Balance (to attain) | Monthly Checking Fee | Key Perks |
|---|---|---|---|
| Regular/Access Checking (no tier) | N/A | $15 / $5 (waivable) | Standard checking; fee-free ATM access (MoneyPass network) |
| Citi Priority | $30,000–$199,999.99 | $0 | No Non-Citi ATM fee; reduced wire fees; priority service |
| Citigold | $200,000–$999,999.99 | $0 | Unlimited ATM fee reimbursement worldwide; dedicated wealth team |
| Citigold Private Client | $1,000,000+ | $0 | All Citigold benefits, plus higher transaction limits |
Citi’s structural advantage: Investment accounts at Citi count toward your combined balance. A $10,000 checking balance combined with $20,000 in a qualifying Citigroup Global Markets Inc. account can help you qualify for Citi Priority.
Citibank Fees Overview
Citi’s checking fee waiver is based on Enhanced Direct Deposits ($250+/month) rather than a large balance requirement, which makes it relatively accessible for customers with regular deposits. The Non-Citi ATM fee ($2.50), however, is not waivable through deposit activity — only through Relationship Tier status.
→ Full breakdown: Citi Bank Fees 2026
Citibank ATM Access
Citi provides fee-free access to Citibank branch ATMs, select retail store ATMs and ATMs in the MoneyPass network. Daily ATM withdrawal limits vary by account and are not published as a single fixed table — Relationship Tier status increases card transaction and cash limits. Confirm your specific limit in the Citi Mobile app or by calling 1-888-CITIBANK (1-888-248-4226).
→ Full details: Citi ATM Withdrawal Limits
Citibank Routing Numbers
Citi’s routing number depends on the state where your account is registered. The most commonly used routing number — and the one used for domestic wire transfers — is 021000089.
| State | Routing Number |
|---|---|
| California (Northern — SF/Central) | 321171184 |
| California (Southern — LA/San Diego) | 322271724 |
| Connecticut | 221172610 |
| District of Columbia | 254070116 |
| Florida | 266086554 |
| Illinois | 271070801 |
| Maryland | 052002166 |
| Nevada | 322271724 |
| New Jersey | 021272655 |
| New York (NYC / downstate) | 021000089 |
| New York (upstate / other) | 022000868 |
| Texas | 113193532 |
| Virginia | 254070116 |
| Wire transfers (all states) | 021000089 |
| International SWIFT | CITIUS33 |
→ Full state list: Citi Routing Number by State
Citibank Minimum Balances and Fee Waivers
| Account | Monthly Fee | Easiest Waiver |
|---|---|---|
| Regular Checking | $15 | $250+/month in Enhanced Direct Deposits or qualifying transactions |
| Access Checking | $5 | Same as above, or owner age 23 or younger (from July 18, 2026) |
| Citi Savings | $4.50 | $500 average monthly balance, or owning a Citi checking account |
| Citi Accelerate Savings | $4.50 | Same as Citi Savings |
| Citi Priority | $0 | $30,000–$199,999.99 combined average monthly balance |
| Citigold | $0 | $200,000–$999,999.99 combined average monthly balance |
→ Full breakdown: Citi Minimum Balance Requirements
All Citi Bank Guides
- Citi Bank Fees 2026 — Monthly fees, ATM costs, wire fees, and how to avoid every charge
- Citi ATM Withdrawal Limits — Limits by account tier and fee-free ATM network
- Citi Routing Number by State — ACH and wire routing numbers for all states with branches, plus SWIFT code
- Citi Minimum Balance Requirements — Every account tier explained with fee-waiver strategies
- Citi Customer Service Number — All phone numbers, how to reach a live person, and alternatives to calling
- Citi Branch Hours — Opening times, Saturday hours, holiday closures, and 24/7 banking options
- Citi Mobile Deposit Limit — Daily limits by account tier and how to deposit large checks
- Citi Transfer Limits — Zelle, ACH, and wire limits by tier, with fees and how to request an increase
- Citi vs Chase — Full head-to-head on fees, ATMs, branches, savings rates, and credit cards
All Citibank Guide pages
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