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.