RateHerald

Monthly fee

$5

−$60 a year for an everyday customer: fees and interest, $2,000 kept.

Citibank · Checking account

Citibank Access Checking

−$60 a year for an everyday customer. $5 a month. No minimum to open.

Checked Nov 8, 2026Updated

A year, everyday customer
−$60
Monthly fee
To open

Features

  • Debit card
  • ITIN accepted
  • Minor accounts
  • Mobile check deposit
  • No foreign transaction fee
  • No overdraft fees
  • Online opening
  • Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
$5 a monthciti.com, checked Nov 8, 2026
Ways to avoid the monthly fee
Any one of these:
  • If you receive at least $250 in Direct Deposits or other qualifying transactions* in a calendar month
  • or are age 23 or younger
  • or are in a Relationship Tier
citi.com, checked Nov 8, 2026
Minimum to open
Noneciti.com, checked Nov 8, 2026
Overdraft fee
Noneciti.com, checked Nov 8, 2026
Returned item (NSF) fee
Noneciti.com, checked Nov 8, 2026
ATM network
MoneyPassciti.com, checked Nov 8, 2026
ATMs in the network
65,000citi.com, checked Nov 8, 2026
Out-of-network ATM fee
$2.50citi.com, checked Nov 8, 2026
ATM fees refunded, up to
Noneciti.com, checked Nov 8, 2026
Foreign transaction fee (debit card)
3%citi.com, checked Nov 8, 2026
Incoming domestic wire
Noneciti.com, checked Nov 8, 2026
Incoming international wire
Noneciti.com, checked Nov 8, 2026
Cashier’s check
$10citi.com, checked Nov 8, 2026
Stop payment
$30citi.com, checked Nov 8, 2026

Who can open it

Availability
Access Checking accounts are available in all Citibank markets.citi.com, checked Nov 8, 2026
Minimum age
18citi.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees

See it on citi.com

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