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    Region Name

    When opening an account online, your rates, terms and conditions will be determined by your state of residence.

    State of Residence Region
    California CA Region
    Connecticut CT Region
    District of Columbia DC Region
    Florida FL Region
    Georgia, S. Carolina, Tennessee SD/Southeast Region
    Illinois IL Region
    Maryland MD Region
    New Jersey NJ Region
    New York NY Region
    Nevada NV Region
    Texas TX Region
    Virginia VA Region
    All other States* SD/National Region

    *Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, N. Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, S. Dakota, Utah, Vermont, Washington, W. Virginia, Wisconsin and Wyoming. The National Region rates, terms and conditions also apply to accounts opened in the following military addresses, territories and possessions: Armed Forces Americas (AA), Armed Forces Europe (AE), Armed Forces Pacific (AP), American Samoa (AS), Guam (GU), Northern Mariana Islands (MP), Puerto Rico (PR) and US Virgin Islands (VI).

    Citigold®

    Comprehensive wealth management for banking, investments and your lifestyle.

    Begin Your Citigold Relationship

    Dedicated Support: Working Together For Your Success

    With Citigold, you have a Citigold Relationship Manager and a Citi Personal Wealth Management Financial Advisor collaborating to provide you with integrated, personalized financial guidance.Go to footnote 1,Go to footnote 2

    • As your personal point of contact for your banking needs, your Citigold Relationship Manager provides guidance on how you can make the most of all Citi has to offerGo to footnote 1
    • Your Citi Personal Wealth Management Financial Advisor provides customized financial planning strategies and guidance on your long- and short  term investment objectivesGo to footnote 1
    • Working together, they act as a full service team to help manage your day  to  day needs, as well as your goals for tomorrow
    • Both your Citigold Relationship Manager and Citi Personal Wealth Management Financial Advisor receive training from The Citi  Wharton Global Wealth Institute, a first of its kind training program for Citigold professionals

    Introducing The Citigold Concierge:Go to footnote 11 an exclusive new personal service for Citigold clients. Learn more about how your Citigold Concierge can connect you with 24  7 access to a host of amazing services.

    The Citigold Concierge
    broker check logo

    Learn more about the background of Citigroup Global Markets Inc. and its registered licensed professionals.

    A Global Perspective

    Your Citigold team can help meet your needs today and as they change over time

    Citigold personal wealth management

    World  class Investment Capabilities

    Whether you're following a plan or have questions about managing your finances, your Citigold relationship provides you with access to a sweeping breadth of financial resources to help, including the world  class investment capabilities of Citi Personal Wealth Management.Go to footnote 1

    • Global, open architecture investment platform
    • Market insights from Citi Private Bank
    • Access to research from more than 300 international research analysts
    • Waived annual fee on linked Citi Personal Wealth Management accountsGo to footnote 2
    • Online  mobile $2.95 equity trades with Citi Personal Wealth Management
    • Personal service and professional guidance from your Citi Personal Wealth Management Financial Advisor
    • Financial planning with Citi Clarity®, a customized, 5  step planning process
    • Access to Wealth Planning Specialists who can work with your Citi Personal Wealth Management Financial Advisor on advanced planning
    • Access to financial education events and digital content
    • The breadth of resources at Citi, a recognized leader in municipal bonds,Go to footnote 12 managed accounts, alternative investments, capital markets and global research
    Citigold benefits

    More Than Banking: Your Relationship Has Benefits

    Your Citigold relationship can help you do much more than manage your money. From exclusive experiences to travel advantages and relationship pricing, Citigold benefits offer enriching extras for your lifestyle.

    Citigold banking benefits

    Special Savings: Access to Preferred PricingGo to footnote 2

    • No monthly service fee for accounts in the Citigold Account PackageGo to footnote 2
    • Reimbursed fees on non-Citi Go to footnote 3
    • Waived foreign exchange fees when using your Citibank banking cardGo to footnote 5
    • Relationship pricing on select deposit products and services
    • Citi Global Transfers to move your money with no feeGo to footnote 4
    • Deposit your next check with Mobile Check DepositGo to footnote 13 on your Citi Mobile App now with higher deposit limitsGo to footnote 14
    • Waived fees for standard checkbook orders, stop payments, incoming wire transfers and money ordersGo to footnote 10
    • Opportunity to earn ThankYou® Points at the highest tier offered for a checking relationship that you can redeem for various rewardsGo to footnote 7
    Compare benefits
    Citigold concierge

    The Citigold ConciergeGo to footnote 11

    • Exclusive restaurant reservations, including top chef's tables at various preferred restaurants
    • Event access, including tickets to shows, concerts, sporting events and more
    • A full  service travel agency and comprehensive vacation planning service
    Citigold benefits

    Benefits That Travel With You

    • Waived foreign exchange fees when using your Citibank Banking CardGo to footnote 5
    • Cash for eligible emergencies (up to $10,000 per day from the available funds in your Citigold account)Go to footnote 9 and Home Connect customer serviceGo to footnote 6
    • Access to Citigold lounges in locations around the world and Citigold Client Centers in the
    • Citigold® Culture Pass — free admission and discounts to a curated group of cultural institutions
    Manage your banking and investing with the Citi Mobile® app

    24  7 Support. Anytime, Anywhere.

    Enjoy Your Success

    Citi offers Citigold clients a world of benefits. Begin your relationship

    INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

    Terms, conditions and fees for accounts, products, programs and services are subject to change.

    1.   As a client, you can receive banking and lending services, including The Account Package, from Citibank, ("Citibank"), Member and Equal Housing Lender 4 1 2 9 1 5, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup , that offers investment guidance, products, and services through Citigroup Global Markets (""), member . Citigroup Life Agency ("") offers insurance products. In California, does business as Citigroup Life Insurance Agency, (license number 0 G 5 6 7 4 6). Relationship Managers are employees of Citibank and are employees and registered representatives of . Citibank, , and are affiliated companies under the common control of Citigroup  Citigold Relationship Managers are employees of Citibank and are employees and registered representatives of . Citibank, , and are affiliated companies under the common control of Citigroup  to text reference of footnote 1
    2.  Requires a checking account in The Citigold Account Package. There is no monthly service fee for accounts 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. We will contact you prior to account conversion and send you complete information about the banking package to which your account will be converted. to text reference of footnote 2
    3.  Other banks and service providers may charge you a fee when you conduct a Citibank deposit account transaction using their . You will receive reimbursement from Citibank for fees charged by other banks in any statement period where you are eligible for Citigold. This reimbursement is only available in the Citigold Account Package and is limited to consumer accounts. to text reference of footnote 3
    4.  If the Citibank Global Transfer is made in foreign currency, the exchange rate includes a commission for the currency conversion. Citibank Global Transfers initiated from a savings or money market account are included in the six preauthorized or automatic transfers permitted each statement period. Transfer limits are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. Customer must have a checking, savings or money market account to send a Wire Transfer. Wire Transfer is available only in participating locations. Local terms and conditions may apply. Daily and weekly transaction limits apply. Customer is responsible for complying with local laws and regulations. to text reference of footnote 4
    5.  Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the . and Puerto Rico. to text reference of footnote 5
    6.  Access a Home Connect Customer Service Representative by calling the international collect number for Citibank customers at 210-677-0065. For Citigold customers, call 1 800 citi code or call collect at 210-677-3789. to text reference of footnote 6
    7.  Separate enrollment of eligible consumer checking account in Citi ThankYou® Rewards required. Eligible customers in The Citigold® Account Package, The Citi Priority Account Package, and The Citibank Account Package can enroll their checking accounts in ThankYou Rewards. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States () with a valid . taxpayer identification number. Taxes, if any, are customer's responsibility. You must complete 1 qualifying Bill Payment and 1 qualifying Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. For complete details, see the Citi ThankYou® Rewards Terms and Conditions. to text reference of footnote 7
    8.  Standard account charges apply. Citibank does not charge you a fee for using the Citi Mobile® APP. However, charges from your wireless carrier may apply. to text reference of footnote 8
    9.  Limits, restrictions and fees may apply and vary by country. Not available in all countries. to text reference of footnote 9
    10.  Fee for Citigold standard design checkbook is waived. A fee will be charged for non-standard design checkbooks. Refer to your Client Manual - Consumer Accounts and Marketplace Addendum for complete details. to text reference of footnote 10
    11.  Citigold Concierge is the name of the service provided by Aspire Lifestyles for Citigold clients on behalf of Citigroup Citigroup and Aspire Lifestyles are not affiliated companies. to text reference of footnote 11
    12.  Depending on your state of residency, some bonds may be exempt from state and local taxes; however, interest may be subject to the federal Alternative Minimum Tax. to text reference of footnote 12
    13.  Citibank does not charge you a fee for using the Citi Mobile Check Deposit Service. However, charges from your wireless carrier may apply. Regular account charges apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply. to text reference of footnote 13
    14.  The increased deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than six months or to customers with a deposit account, retirement account, loan or line of credit (excluding a credit card or first mortgage) on which they are either an owner or signer in any of the following banking packages: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive. to text reference of footnote 14

    Apple, the Apple logo and iPhone are trademarks of Apple , registered in the . and other countries.

    © Citigroup Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup or its affiliates, used and registered throughout the world.

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