Keep Banking Simple with a Basic Banking Account

Open the door to a smart and convenient way to manage your money.

Apply Now

Or apply by visiting a Citibank branch

Apply Now

Or apply by visiting a Citibank branch

Simple Checking

Effortlessly open a Basic Banking Account and manage your money the way you want.

$0 Minimum Opening DepositWhen you open a regular checking account in the Basic Banking Account Package.
Unlimited Check WritingWrite as many checks as you need and have checks sent directly from your account using Online Bill Payment.
Fee-Free ATMsAccess to your money at the largest number of fee-free ATMs offered by a major bank in the US. You can use over 65,000 ATMs, including those in Costco, CVS Pharmacy and Target stores nationwide and most Walgreens.¹

To Waive the $12 Monthly Service Fee

Make one qualifying direct deposit per statement period and one qualifying bill payment per statement period or maintain a $1,500+ combined average monthly balance in eligible linked accounts.^2,3 Fee also waived when first listed account owner is 62 or older.

Enjoy a better online banking experience.

Managing your finances is easy with Citi^® Online and the Citi Mobile^® App. View your transactions, make payments and use a variety of other digital self-service options to manage your accounts anytime, anywhere.

Account AlertsGet convenient account updates sent to your email or mobile device.
Mobile Check DepositWith the Citi Mobile^® App you can deposit checks into your checking account when and where it’s convenient.⁴
Online Bill PaymentMake payments to virtually anyone in the U.S. at any time.