Citigold Checking Account Review (2016.12 Update: Higher Eligibility Requirement)


Citigold Checking Account Review

2016.12 Update: The eligibility requirement is now higher.

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  1. There’s currentlly no sign-up bonus.
  2. No nonthly fee.
  3. In order to be eligible, you must maintain $200,000 in combined average monthly balance in all eligible deposit, retirement, and investment accounts.
  4. Free access to non-Citi ATM.
  5. $0 Early Termination Fee. So you can close your account at any time, or you can downgrade it to the basic version checking account.
  6. If you have Citigold checking account, the annual fee of Citi Prestige will be lowered from $450 to $350. The $350 annual fee remains even if you close your Citigold account thereafter.
  7. You are not able to use credit cards to do the initial funding any more.

Different Citi Checking Accounts

Here is a comparison and contrast on the official website.


Citigold used to be a very lucrative, they offered 50k AA, 50k TYP, $400, etc for opening the account. However, after Nov. 2016, Citigold requires a balance of at least $200,000 to maintain the account. Now only rich people can consider this account.

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