Offer value details
Citi describes Access Checking as a certified low-cost checking account with online and mobile banking access, a debit card, and no check writing.
Qualification requirements
Citi says the $5 monthly service fee is waived for months when the account has $250 or more in Direct Deposits or other qualifying transactions. Citi defines Direct Deposit as ACH payroll, pension, or government payments and includes other qualifying ACH receipts.
Fees and costs
Access Checking has a $5 monthly service fee when the waiver is not met. Citi says deposit accounts can have service, transaction, or other fees not covered by the monthly service fee, and customers outside certain Relationship Tiers may owe a $2.50 Non-Citi ATM fee outside the surcharge-free network.
Availability
Citi says products and pricing can vary by the ZIP code of the customer's home address. Online opening requires personal information such as address and Social Security number, funding options, and account approval.
What to verify
- The $0 monthly fee requires meeting Citi's monthly Direct Deposit or qualifying ACH transaction waiver path.
- Access Checking does not offer check writing, and Checking Plus or Safety Check overdraft protection is not available for Access Checking.
- Product and pricing details can vary by home ZIP code and are subject to Citi account terms and approval.
- Other account, service, ATM, and transaction fees can apply even when the monthly service fee is waived.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.