APY on $10,000
0.00%
As of Nov 8, 2026. Rates are variable.
Citibank · Savings account
Citibank Citi Savings
$0 a year on $10,000 at today’s 0.00% APY. $4.5 a month. No minimum to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · citi.com
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $54
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · citi.com
The source states this figure; we have no exact sentence on file yet.
- 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.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Features
- Check writing
- Interest bearing
- ITIN accepted
- Joint accounts
- Minor accounts
- Mobile check deposit
- 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.
Rates by balance
- Any balance
- 0.05%
- $25,000 to $1,000,000
- 0.03%
- $1,000,000 and up
- 0.03%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- To earn the APY
- Complete at least $5,000 in Direct Deposits or other qualifying transactions.
- Maintain an average of at least $25,000 across your eligible investment accounts from Citi Personal Wealth Management.
Fees
- Monthly fee
- $4.50 a monthciti.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- If you are in a Relationship Tier
- any owner of your Citi Savings account also owns a Regular or Access Checking account
- your Citi Savings account has an Average Monthly balance of $500 or more
- Minimum to open
- Nonebanking.citi.com, checked Nov 8, 2026
- Overdraft fee
- Noneciti.com, checked Nov 8, 2026
- ATM network
- Citibank ATMs, select retail store ATMs, and MoneyPass Networkciti.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
- 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