Monthly fee
$15
−$180 a year for an everyday customer: fees and interest, $2,000 kept.
Citibank · Checking account
Citibank Regular Checking
−$180 a year for an everyday customer. $15 a month. No minimum to open.
- A year, everyday customer
- −$180
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · citi.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · banking.citi.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonuses
$3,000 in direct deposits within 90 days. About $1,000 a month for 3 months.
Citibank Regular Checking · Citibank
Ends Jan 11, 2027Meet it within 90 days
“Open a new Regular Checking account by 01/11/27 and enroll in the offer the same day, then complete at least two Direct Deposits or other qualifying transactions totaling $3,000 or more within 90 calendar days from the Open Date.”The bank’s page, checked Nov 8, 2026
$1,000,000 deposited within 45 days, kept 45 days
Citibank Regular Checking · Citibank
Ends Jan 11, 2027Meet it within 45 days
“Open a new Regular Checking account by 01/11/2027 and enroll the same day, fund new Eligible Accounts with a minimum combined total of $30,000 in Qualifying New Funds within 45 calendar days, and maintain the minimum required balance across Eligible Accounts from the 46th through the 90th day after”The bank’s page, checked Nov 8, 2026
Features
- Check writing
- Debit card
- Free checks
- ITIN accepted
- Minor accounts
- Mobile check deposit
- No foreign transaction fee
- No overdraft fees
- Online opening
- Overdraft line of credit
- 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
- $15 a monthciti.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Ways to Avoid $15 Monthly Service Fee for customers in Relationship Tiers
- or with $250+ ($1,000+ as of 1/1/27) in Direct Deposits
- or with other qualifying transactions
- Minimum to open
- Nonebanking.citi.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
- Citi ATMs, Target, CVS, Walgreens and other neighborhood storesbanking.citi.com, checked Nov 8, 2026
- ATMs in the network
- 65,000banking.citi.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
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