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Rates

Rates

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TOTALLY FREE 
CHECKING7
REGULAR
CHECKING
SENIOR
CHECKING
NOW
CHECKING
Minimum Opening Deposit  $100.00 $100.00 $100.00 $300.00
Interest Bearing No  No Yes5 Yes5
 Interest Rate4  N/A N/A Variable1  Interest
compounds and is
paid monthly2
Variable1  Interest
compounds and is
paid monthly2
Term N/A  N/A N/A N/A
Minimum Daily Balance to Avoid Monthly Maintenance Fee  N/A N/A N/A N/A
Minimum Average Daily Balance to Avoid Monthly Maintenance Fee  N/A $500.00 N/A $1,000.00
Monthly Maintenance Fee if Balance Requirements Not Met  $25.006 $15.00 N/A $15.00
Monthly Activity Fees  N/A N/A N/A N/A
E-Statements/Monthly  Free Free Free Free
Paper Statements/Monthly $3.00  $3.00   Free Free 
Online Banking  Free  Free Free Free
Bill Pay Service  Free Available at no Cost    Available at no Cost Available at no Cost
ATM Card Free  Free Free Free
Debit Card  Free  Free Free Free
Other Features and Benefits First 50 standard
checks free
No AMB fee for ATM
transactions3
No surcharge fee for
withdrawal transactions
at Citibank Branch ATMs 
First 50 standard
checks free
No AMB fee for ATM
transactions3
No surcharge fee for
withdrawal transactions 
at Citibank Branch ATMs
Lifetime standard checks free
No AMB fee
for ATM transactions3
No surcharge fee for 
withdrawal transactions
at Citibank Branch ATMs
No AMB fee
for ATM transactions3
No surcharge fee for
withdrawal transactions
at Citibank Branch ATMs
Other Fees and Restrictions
After the first 60 days
Auto Deposit initiated or
6 Debit transactions per
month (i.e. checks, bill pay
and/or ACH)
None Must be age 65 or older None

1 Interest rates are subject to change at the Bank's discretion as often as daily without notice. Fees may reduce earnings.
2 If you close your account before interest is credited, you will not receive the accrued interest.
3 A proprietary bank fee may apply unless you use a SUM ATM
4 Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (i.e. checks)
5 We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
6Fee waived for the first two months. Begins the third month if requirements are not met.
7No account maintenance fees if requirements are met. Overdraft fees may apply.
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