Citi^® Accelerate High-Yield Savings Leveled Bonus Offer

Important Terms and Conditions:

Your Citi^® Accelerate Savings account will be opened in the Access Account Package. To waive the $4.50 monthly service fee for a Citi^® Accelerate Savings account in the Access Account Package not linked to a checkless Regular Checking Account, maintain an average monthly balance of $500 or more.

Offer

You can earn a Bonus of $150 or $450 by opening a new Citi Accelerate High-Yield Savings Account in the Access Account Package, funding it with a minimum of $20,000 in New-to-Citibank Funds within 20 days, and maintaining that balance for another 60 days. You must also have a Citi credit card from the time you open your account until you receive the Bonus.

Qualify

You are eligible for the Citi Accelerate High-Yield Savings Account Leveled Bonus Offer (“Citi Accelerate Savings Leveled Bonus Offer” or “Offer”) if you are at least 18 years old, are a primary Citi credit cardmember, and have received a communication from Citibank inviting you to participate.

To be eligible for the bonus, U.S. persons must furnish or have a valid IRS Form W-9 (Request for Taxpayer Identification Number and Certification) on file with Citibank, N.A. and you must not be subject to backup withholding.

Certain “Savings Accounts” are eligible for the Citi Accelerate Savings Leveled Bonus Offer. Any Citi Accelerate Savings Account opened during the Offer Period that you continue to own until the end of the Maintenance Period in the Access Account Package can qualify for the Citi Accelerate Savings Leveled Bonus Offer.

The Citi^® Savings Account product does not qualify for this offer.
Savings Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs, CESAs, money purchase pension plans and profit sharing plans), and other trust accounts will not qualify for this offer.
International Personal Bank customers are not eligible for this offer.
Authorized Users of credit card accounts are not eligible for this offer.

Here are the required activities to qualify:

First, enroll in the Citi Accelerate Savings Leveled Bonus Offer between July 18, 2022 and October 22, 2022 (“Offer Period”), pursuant to the instructions provided. You can enroll online by clicking “enroll now” and following the instructions for online account opening or by contacting a Citibank representative by phone and asking the representative to enroll you in the Citi Accelerate Savings Leveled Bonus Offer.
Second, open a new Citi Accelerate Savings Account as an owner in the Access Account Package during the Offer Period. Please see the email or digital website communication you received for directions on opening and funding your account.
Third, on the 20^th Day after you open your account, we will check your “On Deposit” balance in New-to-Citibank Funds which will determine the bonus you can try to earn (“Balance”). As long as you maintain at least a $20,000 Balance every day for 60 calendar days after your 20^th Day (“Maintenance Period”) you will remain eligible for a Bonus, but please understand if your Balance falls into a lower Balance Level for even one day during the Maintenance Period, your Bonus will change (see Chart). If you open your new Savings Account over the phone and opt to receive the Terms and Conditions via regular mail, we will look at the 30^th Calendar Day to determine your Maximum Bonus.
- For example, if your Balance on the 20^th Day is $50,000, the Maximum Bonus you can try to earn is $450. If your Balance is $49,000 on day 45, however, the Maximum Bonus you can earn changes to $150.
- “New-to-Citibank Funds” are funds deposited from accounts external to Citibank, N.A. and deposited: 1) using “Enhanced Direct Deposit”, or 2) with checks, or 3) through wire transfers
  - Cash deposits, Citi Global Transfers, Citi debit cards, transfers between Citibank accounts, do not qualify as New-to-Citibank Funds.
  - An Enhanced Direct Deposit is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking, savings, or MMA account. An Enhanced Direct Deposit also includes all deposits via Zelle and other P2P payments when made via ACH using providers such as Venmo or PayPal.
- So long as the deposit does not pre-date the opening of the Savings Account, New-to-Citibank Funds can be deposited into a checking account in the same package as the Savings Account and transferred to the Savings Account before the 20^th Day.
- “20^th Day” means the 20^th calendar day after you open your new Citi Accelerate Savings Account, but don’t worry if your 20^th Day falls on a weekend or U.S. National holiday. If that happens, we will count the next Business Day as your 20^th Day instead. Same rules apply for the “30^th Day”.
Chart
Balance Levels Maximum Bonus
$20,000 - $49,999 $150
$50,000 or more $450
Fourth, your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Bonus. Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities.

Chart
Balance Levels	Maximum Bonus
$20,000 - $49,999	$150
$50,000 or more	$450

Multiple Offers

The Citi Accelerate Savings Leveled Bonus Offer is a savings account offer. Savings Accounts may only be used to fulfill the Citi Accelerate Savings Leveled Bonus Offer once per Offer Period. If you enroll in multiple savings account offers during an offer period and fulfill multiple savings account offers in the same week, you will be awarded the offer with the highest bonus value. If you enroll in multiple savings account offers during an offer period and fulfill multiple savings account offers across different weeks, you will be awarded the bonus of the first savings offer to qualify. Customers can only participate in each savings account offer once per offer period. If you enroll in multiple checking account or savings account offers during an offer period, the requirements of each offer must be met separately.

This offer may be withdrawn prior to enrollment. All accounts subject to applicable terms, fees, programs, products and services which are subject to change. Accounts subject to approval. Participation and enrollment in a promotional offer does not guarantee eligibility or fulfillment of the promotional offer. Annual Percentage Yields are variable and subject to change without notice after the account is opened. Speak to a banker for more details. All accounts subject to the Client Manual Consumer Accounts and Marketplace Addendum.

Annual Percentage Yield (APY)

Accurate as of 7/25/2022. Interest rates for Citi Accelerate Savings Accounts are variable, determined by Citibank at its sole discretion and can change at any time before and after account opening. For current interest rates and Annual Percentage Yields, please visit citibank.com or call CitiPhone Banking^® at 1-833-382-0004 EXT 1002 (TTY: 711).

The interest rate and/or corresponding APY (collectively known as "Rates") applicable to Citi Accelerate Savings Accounts are based on your residential/home (not mailing) address and applied to your account balance. The Rates shown are available to customers in the National Rate Region, Texas, and select markets in Florida and Illinois. The “National Rate Region” is applicable to accounts opened by customers with a residential address in one of the following locations: Military Customers elsewhere in the Americas, Military Customers in Africa, Canada, Europe or Middle East, AK, AL, Military Customers in the Pacific, AR, American Samoa, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, Northern Mariana Islands, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, and WY.

When interest begins to accrue, interest calculation method, rate information, and interest crediting and compounding are available in the Client Manual – Marketplace Addendum which are available on citi.com.

Applicable Fees

When a Citi Accelerate Savings Account is opened, it must be in an account package and is subject to the applicable monthly service and non-Citibank ATM fees of the applicable account package as disclosed in the Information About Account Packages in the Marketplace Addendum. For the Access Account Package with a linked checkless Regular Checking account, to waive the $10 monthly service fee, make one Enhanced Direct Deposit AND one qualifying bill payment per statement period or maintain a $1,500 or more combined average monthly balance in eligible linked accounts. Fees could reduce account earnings. For account pricing details please visit citi.com/compareaccounts.

Important Tax Information:

The bonus will be reported to IRS as interest to the first signer on the account, in the year received, as required by applicable law. Bonus payments will be reported on IRS Form 1099-INT. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor.

Call a Bank representative at 1-833-382-0004 EXT 1002 (TTY: 711) for more information.

Account Features:

The Citi Accelerate Savings account is available in select markets for customers with a residential/home (not mailing) address in an Eligible Location who apply online through Citibank^® Online, the Citi Mobile^® App, or Citiphone Banking. “Eligible Locations” include Military Customers elsewhere in the Americas, Military Customers in Africa, Canada, Europe or Middle East, AK, AL, Military Customers in the Pacific, AR, American Samoa, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, Northern Mariana Islands, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.

The Citi Accelerate Savings account does not offer check writing. Any check transactions on a Citi Accelerate Savings Account that involve a check, including written checks, check by phone or third-party authorizations that come through as a check transaction will not be honored.

Safety Check may be available to be linked to your Citi Accelerate Savings Account depending on package type. Please refer to the Overdraft Protection section in the Marketplace Addendum for more information about Safety Check and Information about Account Packages in the Marketplace Addendum for more information about package types.

There is no minimum opening deposit required to open a Citi Accelerate Savings Account. PLEASE NOTE: Accounts which have a zero balance for ninety (90) days are subject to closure.

Online funding limits. You can use the Add Funds or Fund Account features on Citibank Online or CitiMobile App, respectively, to fund your Citibank account. When transferring funds from your external account at another institution into your Citibank account via ACH transfer your limit is $250,000 in a rolling 30-day calendar period. Please note this type of funding can take up to 4 business days for the transfer to clear and the funds made fully available to you so you should take this into consideration when completing your required activities. The Inter-Institutional Transfer service is also available on Citibank Online to transfer funds from an external account subject to a $100,000 transfer limit in a rolling 30-day calendar period. If your funding amount exceeds these limits, you can deposit checks drawn on banks other than Citibank N.A. by branch, by mail, ATM or alternatively, you can initiate a wire transfer from your external account on the business day after account opening. Please note the financial institution sending the wire transfer may charge you a fee for this service. A $15 fee for processing an incoming wire transfer applies to customers within the Access Account Package.

Apple Pay is a registered trademark of Apple Inc. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply. Certain other trademarks listed above are owned by third parties not affiliated with Citibank.

Citi® Accelerate High-Yield Savings Leveled Bonus Offer