Get a strong start towards your savings goals EARN UP TO $5,000

Existing customers can earn $100 - $5,000 when opening a new Citi^® Savings Account and completing required activities.

Open New Account

By enrolling in the offer you agree to the Terms and Conditions.
Offer expires 04/03/2023.

Earn a cash bonus with your Citi^® Savings Account
Balance Levels	Bonus
$10,000 - $29,999	$100
$30,000 - $49,999	$150
$50,000 - $99,999	$250
$100,000 - $199,999	$500
$200,000 - $499,999	$1,000
$500,000 - $999,999	$2,500
≥ $1,000,000	$5,000

Fees could reduce account earnings. See below for additional steps and Terms and Conditions for more information on applicable fees.

Simple steps to earn your bonus

Step 1:
Enroll and Open

Enroll and open a new Citi Savings Account by 04/03/2023.
Step 2:
Fund Your Account

Deposit New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.
Step 3:
Maintain the Balance

Maintain the required Minimum Balance for an additional 60 days from the 21st day.
Step 4:
Get Rewarded

The cash bonus will be deposited to your open, eligible savings account within 30 calendar days after you complete all required activities.

Benefits you'll enjoy

FDIC
Insured

Feel confident knowing your deposits are secured up to FDIC limits.¹
Bank
with Ease

Enroll in Set & Save via the Citi Mobile^® App². Set a recurring transfer, then sit back and watch your savings grow.
65,000+ Fee-Free ATMs in the U.S.

Your money is within reach with over 65,000 fee-free ATMs.³
Find an ATM near you >

Build smart savings habits to bring into the new year.

Open New Account

For deposits greater than $250,000, please speak to a Citibank Representative as other restrictions may apply. Alternatively, you can initiate a wire transfer from your external account.⁴
By enrolling in the offer you agree to the Terms and Conditions.

You can also enroll and open your new Citi Savings Account by visiting a Citibank branch > or by calling 1-833-382-0004, ext. 2005 1-833-382-0004, ext. 1005

TTY: 711 or other Relay Service

Find My Rate See offer Terms and Conditions below.¹

Terms and Conditions

Citi Savings Account
Q1 2023 Get Rewarded for Saving More Cash Offer

Qualify

You can apply to participate in the Q1 2023 Get Rewarded for Saving More Offer if you are at least 18 years old and a new or existing Citibank customer.

U.S. persons must furnish or have a valid IRS Form W-9 (Request for Taxpayer Identification Number and Certification) on file with Citibank, and foreign individuals must furnish or have a valid IRS Form W-8BEN (Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals)) on file with Citibank. Additionally, the account must not be subject to backup withholding.

Here are the required activities to qualify:

First: Open a Citi Savings Account.

Open a new Citi Savings Account between January 10, 2023, and April 3, 2023 (“Offer Period”).

Only certain “Savings Accounts” are eligible for the Q1 2023 Get Rewarded for Saving More Offer. Any Citi Savings Account opened during the Offer Period that you continue to own until the end of the Maintenance Period in any Citibank account package can qualify for the offer. Savings Accounts must be opened in a branch or use a residential address in New York, Connecticut, New Jersey, District of Columbia, Virginia, Maryland, California, Nevada or select markets in Illinois and Florida.
- Citi Accelerate Savings accounts do not qualify for this offer.
- Savings Accounts that are living trust accounts and custodial accounts are eligible, but other trust accounts do not qualify for this offer.
- Fiduciary, estate, business, and retirement accounts (IRAs, SEPs, CESAs, money purchase pension plans and profit-sharing plans) do not qualify for this offer.
- Savings accounts in the Citi Private Bank, International Personal Bank, or Citi Alliance are not eligible for this offer.

Second: Enroll.

On or before April 3, 2023, enroll in the Q1 2023 Get Rewarded for Saving More Offer on the same day you open the new Citi Savings Account. You can enroll online by clicking “enroll now” and following the instructions for online account opening. You can also contact a Citibank representative by phone or in a branch and ask the representative to enroll you in the Q1 2023 Get Rewarded for Saving More Offer. However, if you open your account on citi.com by any other means, you will not be eligible to earn the Q1 2023 Get Rewarded for Saving More Bonus Offer.

New Citigold Private Client relationship customers should speak with a Wealth Relationship Manager or visit a branch to enroll.

Third: Deposit.

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 Maximum Bonus you can potentially earn (“Balance”).

If you open your new savings account over the phone, we will look at the 30^th calendar day after account opening to determine your Maximum Bonus.
“New-to-Citibank Funds” are funds deposited from accounts external to Citibank, N.A. and deposited using 1) “Enhanced Direct Deposit, 2) checks, or 3) 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 or 30^th day.
As applicable, if your 20^th or 30^th day falls on a Non-Business Day, we will count the first Business Day after your 20^th or 30^th Day.

Fourth: Maintain your Balance.

As long as you maintain at least a $10,000 Balance Level every day for 60 consecutive calendar days in your eligible Savings Account starting on the 21st day 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 Maximum Bonus will change (see Chart). For example, if your Balance on the 20^th Day is $250,000, the Bonus you can potentially earn is $1,000. If your Balance is $50,000 on day 45, however, the Bonus you can earn changes to $250.

Chart
"Balance Levels"	"Maximum Bonus"
$10,000 - $29,999	$100
$30,000 - $49,999	$150
$50,000 - $99,999	$250
$100,000 - $199,999	$500
$200,000 - $499,999	$1,000
$500,000 - $999,999	$2,500
≥ $1,000,000	$5,000

Fifth: Keep your Savings Account Open until you are paid.

To remain eligible, your Savings Account must remain open and in good standing from the time it’s 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.

Multiple Offers

The Q1 2023 Get Rewarded for Saving More Offer is a savings account offer. Savings Accounts may only be used to fulfill the Q1 2023 Get Rewarded for Saving More Offer once per Offer Period. Unless expressly prohibited in another offer, when multiple savings account offers are available within an offer period, customers may participate in more than one savings account offer during an offer period. However, customers can participate in each savings account offer only once per offer period. If an eligible customer enrolls in multiple 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 are subject to applicable terms, fees, programs, products and services, which are subject to change. Accounts are subject to approval. Participation and enrollment in a promotional offer do not guarantee eligibility or fulfillment of the promotional offer. All accounts are subject to the Client Manual Consumer Accounts and Marketplace Addendum.

Annual Percentage Yield (APY)

Accurate as of 12/5/2022, in the states of NY, CT, MD, VA, DC, CA, NV, NJ and select markets in FL or IL, the Annual Percentage Yield (APY) for Citi Savings Accounts in the Citigold Private Client Relationship of the Citigold Account Package is 1.01%. Accurate as of 12/5/2022, in the states of NY, CT, MD, VA, DC, CA, NV, NJ and select markets in FL or IL, the Annual Percentage Yield (APY) for Citi Savings Accounts in the Citigold Account Package (excluding Citigold Private Client) is 0.12%. Accurate as of 12/5/2022, in the states of NY, CT, MD, VA, DC, CA, NV, NJ and select markets in FL or IL, the Annual Percentage Yield (APY) for Citi Savings Accounts in the Citi Priority Account Package is 0.10%. Accurate as of 12/5/2022, in thestates of NY, CT, MD, VA, DC, CA, NV, NJ and select markets in FL or IL, the Annual Percentage Yield (APY) for Citi Savings Accounts in the Citibank Account Package, the Basic Banking Package and Access Account Package is 0.05%. APYs are variable and subject to change. Please speak to a banker or visit citi.com for current APYs.

Applicable Fees

For the Access Account Package, to waive the $10 monthly service fee, make one Enhanced Direct Deposit per statement period or one qualifying bill payment per statement period, or maintain a $1,500 or more combined average monthly balance in eligible linked accounts. For the Basic Banking Package, to waive the $12 monthly service fee, make one Enhanced Direct Deposit per statement period and one qualifying bill payment per statement period, or maintain a $1,500 or more combined average monthly balance in eligible linked accounts. To waive the $4.50 monthly service fee for a savings account in the Access Account Package or the Basic Banking Package not linked to a checking account, maintain an average monthly balance of $500 or more. A monthly service fee of $25 and a $2.50 non-Citibank ATM fee apply to the checking account in the Citibank Account Package if a combined average monthly balance of $10,000 or more is not maintained. A monthly service fee of $30 applies to the Citi Priority Account Package if a combined average monthly balance of $30,000 or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package. If you do not maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to the Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package. The Citigold Private Client relationship status is part of the Citigold Account Package. Citigold Private Client is designed for clients who maintain a minimum combined average monthly balance of $1,000,000 in eligible linked deposit, retirement and investment accounts. Fees could reduce account earnings. For account pricing details please visit citi.com/compareaccounts.

Important Tax Information:

The Bonus will be reported to the IRS as interest paid to the first titled owner on the account, in the year received, as required by applicable law. Bonus payments received by U.S. persons will be reported on IRS Form 1099-INT for the year received. Bonus payments received by foreign individuals will be reported on IRS Form 1042-S for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor.

Speak to a bank representative for more information.

¹ Deposits are FDIC insured up to $250,000 per depositor, for each account ownership category. To learn more visit www.fdic.gov.

² Regular account charges apply. Citibank does not charge you a fee for using the Citi Mobile App. You must have internet access through your mobile device, and charges from your wireless carrier may apply.

³ Citibank customers can get cash, get information, and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge-free access. MoneyPass is a registered trademark of Fiserv, Inc.

⁴ Online funding limits. You can use the Add Funds or Fund Account features on Citibank Online or Citi Mobile 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, or 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 Access, Basic Banking and Citibank Account Packages. The fee is waived for customers within the Citi Priority and Citigold Account Packages.

Citibank provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. The Citibank offer is not, and should not be construed as, an offer, invitation, or solicitation to buy or sell the products or services at issue to individuals outside of the United States.

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.

©2023 Citibank, N.A. Member FDIC. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.