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Citibank Ultimate Money Account: Learn More

Get a great rate – currently up to 2.50% APY*.

Put your money to work with the Citibank Ultimate Money Account – an FDIC-Insured, high-yield money market account with liquidity and 24/7 accessibility. Make two bill payments per month at, CitiMobile(SM), or Citiphone Banking® from your linked checking account to qualify for a rate of 2.50% APY*.

Not ready to pay bills online?

You can still earn a competitive rate (currently 1.77% APY*).

Already a Citibank customer?

You can link the ultimate money account to a checking account in the EZ Checking, Citibank Account, Citibank Everything Counts, or Citigold Account package.

New to Citibank customer?

Apply online for both the ultimate money account and a regular checking account in the EZ Checking package†. It’s quick and easy, and you’ll be able to enjoy our highest rate if you make bill payments each month.

Enjoy Financial Control with EZ Checking &
Free Online Bill Pay.

Paying bills online is a safe and easy way to stay on top of your finances with features like Express Payments to pay multiple bills at once and Recurring Payments for ongoing bills. Once you're online, you’ll never look back.

Move your money quickly and easily.

Use Citibank's Inter Institution Transfers next-day
service to move money between your Citi and non-
Citi accounts. It's free, it's easy, and it provides
another level of financial control.

Get cash - when you need it, at one of our
thousands of fee free ATMs.

Citibank customers can access over 24,000 Fee
Free ATMs, including those at
7-11 and MoneyPass locations.

Get rewards for banking with us.

With ThankYou Network1, almost every relationship
you have with Citibank gets you closer to great
rewards - from gift cards to vacations.

Citibank affords privacy and security.

Not only are your funds FDIC-Insured up to
$100,000, we're committed to providing the latest
security and anti-fraud protection features. We want
you to know that when you bank online with
Citibank you can access information about your
accounts and initiate transactions with confidence.

Up to 2.50%
Easy access
Open an online savings account today.To apply by phone, call 1-877-624-9600
and mention code: CYAP

This offer is not available at Citibank Financial Centers.

*Annual Percentage Yield (APY) is accurate as of 01/27/2015 and is subject to change without notice. Two rates can be applied to the balance in your Ultimate Money Account. The account earns a rate that is not determined by the balance in your account or your other accounts at Citibank. To qualify for the higher rate, you must make at least two electronic bill payments, through Citibank Online, Citi Mobile(SM) or Citiphone Banking, from your linked checking account during the calendar month preceding the statement cycle date. To provide faster service, requests to pay down your linked Citi line of credit, loan, or credit card are processed as transfers, and do not count toward the bill payment requirement. Also, authorized deductions from your checking account by a third party do not qualify as online bill payments. If the bill payment requirement is not met, a lower rate (currently 1.77% APY) will be applied for that statement cycle. The rate may change after the account is opened. Fees may reduce earnings. Deposits are subject to Citibank's standard funds availability schedule.

†You must apply online at or by phone to open a Citibank Ultimate Money Account and link it to a checking account you have or open in one of the following qualifying relationship packages: Citibank EZ Checking, Citibank Account, Citibank Everything Counts or Citigold Account. Your Citibank Ultimate Money Account must also appear on the same statement as your checking account. Applicant must be a citizen or resident alien of the United States (U.S.) who is at least 18 years old with a valid U.S. taxpayer identification number. All accounts are subject to approval.

** $50 bonus offer is available only for first-time Citibank deposit account customers, and will be paid only once to any individual. Persons who currently have or at any time have had a deposit account at Citibank (or any of its predecessor banks) are not eligible. To qualify for this offer you must: 1.) Apply for and open online or by phone an Ultimate Money Account and a new regular checking account in the Citibank EZ Checking package and fund the Ultimate Money Account by 4/30/2008 using offer code CYAP. 2.) Starting no later than the calendar month after the month in which your account was opened, make at least 2 electronic bill payments each month for 3 consecutive months.

Electronic bill payments, are those you make using Citibank® Online, Citi Mobile(SM) or Citiphone Banking®, excluding bill payments made to Citibank credit cards and transfer payments made to accounts with Citibank or its affiliates.

$50 will be credited to your regular checking account within 120 days from the end of the statement period in which you met the above requirements. Your Ultimate Savings Account and checking account must be in good standing at the time of the $50 credit. Taxes, if any, are the customer's responsibility. Offer may be modified or withdrawn at any time without notice and is not transferable.

Free Citibank EZ Checking: To qualify for Free Citibank EZ Checking, you must apply online at or by phone for both a new Ultimate Money Account and a regular Checking account in the EZ Checking package by 12/31/08. Your relationship package will then be free of monthly maintenance charges and per-check fees. Charges for other account related services may apply. Regular checking accounts do not earn interest. Offer is only available for first-time Citibank deposit (checking or savings account) customers. Persons who currently have or at any time have had a deposit account at Citibank (or any of its predecessor banks) are not eligible.

‡Get cash, get information and transfer balances between eligible linked Citibank accounts, fee-free, at Citibank ATMs at participating 7-Eleven locations. ATMs are not owned or operated by Citibank. Not all functions are available at all ATMs. 7-ELEVEN is a registered trademark of 7-Eleven, Inc.

1Separate enrollment of eligible Citibank checking account in ThankYou Network required. Ultimate Money Account must be linked to checking account relationship. Enrollment eligibility, qualifying accounts and services, and point accrual and redemption are subject to the Citibank Program ThankYou Network Terms and Conditions; other terms and conditions apply. Enrollment limited to U.S. citizens and resident aliens of the United States. Taxes, if any, are customer's responsibility. Monthly points for checking and banking relationship are conditioned on customer initiating minimum of one credit or debit transaction to the checking account per statement cycle.

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