Compare Personal Checking

	REGULAR CHECKING	SENIOR CHECKING	NOW CHECKING
Minimum Opening Deposit	$100.00	$100.00	$300.00
Interest Bearing	No	Yes⁵	Yes⁵
Interest Rate⁴	N/A	Variable¹Interest compounds and is paid monthly²	Variable¹Interest compounds and is paid monthly²
Term	N/A	N/A	N/A
Minimum Daily Balance to Avoid Monthly Maintenance Fee	N/A	N/A	N/A
Minimum Average Daily Balance to Avoid Monthly Maintenance Fee	$500.00	N/A	$1,000.00
Monthly Maintenance Fee if Balance Requirements Not Met	$15.00	N/A	$15.00
Monthly Activity Fees	N/A	N/A	N/A
E-Statements/Monthly	Free	Free	Free
Paper Statements/Monthly	$3.00	Free	Free
Online Banking	Free	Free	Free
Bill Pay Service	Available at no Cost	Available at no Cost	Available at no Cost
ATM Card	Free	Free	Free
Debit Card	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	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	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.