Citibank (Citi) is one of the largest banks in the United States, operating in 12 states with access to 65,000+ fee-free ATMs through Allpoint. Citi uses a relationship tier system — Basic Banking, Citi Priority, and Citi Wealth — where your combined balances determine your fees, ATM limits, and benefits.
The standout feature: any direct deposit waives the $12 monthly fee — no minimum amount required. That makes Citi one of the most accessible major banks for fee avoidance.
Citibank at a Glance
| Feature | Details |
|---|---|
| Monthly fee (Basic Banking) | $12 (waived with any direct deposit + 1 bill pay, or $1,500 avg balance) |
| Monthly fee (Citi Priority) | $30 (waived with $30,000+ combined balance or Citi mortgage) |
| Monthly fee (Citi Wealth) | $0 (requires $200,000+ combined) |
| Overdraft fee | $34 per item (up to 4/day; same-day grace until midnight) |
| ATM limit — Basic | $1,000–$2,000/day |
| ATM limit — Citigold | Up to $5,000/day |
| Free ATM network | 65,000+ (Allpoint + Citi-branded) |
| Out-of-network ATM fee | $2.50 |
| Routing number (NY / wire) | 021000089 |
| SWIFT code | CITIUS33 |
| US branches | ~650 (12 states + DC) |
| CD minimum deposit | $500 |
| Savings with best APY | Citi Accelerate Savings (no fee, no minimum) |
Citibank Account Tiers
Citi’s three-tier structure means your combined balances across checking, savings, CDs, and investments determine your benefits:
| Tier | Combined Balance | Monthly Fee | Key Perks |
|---|---|---|---|
| Basic Banking | $0+ | $12 (waivable) | Standard checking; 65,000+ free ATMs |
| Citi Priority | $30,000+ | $30 (waived at tier) | No ATM fees worldwide; waived wire fees; priority service |
| Citi Wealth | $200,000+ | $0 | Dedicated advisor; premium rates; all fees waived |
Citi’s big advantage: Investment accounts at Citi count toward your tier threshold. A $10,000 checking balance combined with $20,000 in a Citi brokerage qualifies you for Citi Priority.
Citibank Fees Overview
Citi’s $12 monthly fee is among the easiest to waive at any major bank — any direct deposit (even $5) triggers the waiver alongside one qualifying bill payment. The $34 overdraft fee is mid-range, with a same-day grace period until midnight to cure the overdraft.
Key fees at a glance:
| Fee | Amount |
|---|---|
| Monthly maintenance (Basic) | $12 (waivable) |
| Overdraft | $34 (max 4/day) |
| Non-Citi ATM | $2.50 |
| Domestic wire out | $25 ($0 at Priority+) |
| International wire out | $35 ($0 at Priority+) |
| Stop payment | $30 |
| Foreign transaction | 3% |
→ Full breakdown: Citi Bank Fees 2026
Citibank ATM Limits
Citi’s $1,000–$2,000 standard daily ATM limit is above average for major banks. Citigold clients access up to $5,000 per day — the highest standard limit among big banks.
| Account Tier | Daily ATM Limit |
|---|---|
| Access Account | $1,000 |
| Basic Banking | $1,000–$2,000 |
| Citi Priority | Up to $2,000 |
| Citigold (Citi Wealth) | Up to $5,000 |
Need a higher limit? Call 1-800-374-9700 for a same-day temporary increase.
→ Full details: Citi ATM Withdrawal Limits
Citibank Routing Numbers
Citi’s routing number depends on the state where your account is registered. The most commonly used routing number — and the one used for all wire transfers — is 021000089.
| State | Routing Number |
|---|---|
| California | 321171184 |
| Connecticut | 221172610 |
| DC / Maryland / Virginia | 254070116 |
| Florida | 266086554 |
| Illinois | 271070801 |
| Nevada | 322271724 |
| New Jersey | 021272655 |
| New York | 021000089 |
| Wire transfers (all states) | 021000089 |
| International SWIFT | CITIUS33 |
→ Full state list: Citi Routing Number by State
Citibank Minimum Balances
Citi uses an average monthly balance method — more forgiving than minimum daily balance because high-balance days offset low-balance days within the same month.
| Account | Monthly Fee | Easiest Waiver |
|---|---|---|
| Access Account | $10 | Not waivable |
| Basic Banking | $12 | Any direct deposit + 1 bill payment |
| Citi Priority | $30 | $30,000 combined OR Citi mortgage |
| Citi Savings | $4.50 | $500 average balance |
| Citi Accelerate Savings | $0 | No fee — no minimum required |
→ Full breakdown: Citi Minimum Balance Requirements
All Citi Bank Guides
- Citi Bank Fees 2026 — Monthly fees, overdraft, ATM costs, wire fees, and how to avoid every charge
- Citi ATM Withdrawal Limits — Limits by account tier, how to increase your limit, and fee-free ATM network
- Citi Routing Number by State — ACH and wire routing numbers for all 12 states plus SWIFT code
- Citi Minimum Balance Requirements — Every account tier explained with fee-waiver strategies
- Citi Customer Service Number — All phone numbers, how to reach a live person, and alternatives to calling
- Citi Branch Hours — Opening times, Saturday hours, holiday closures, and 24/7 banking options
- Citi Mobile Deposit Limit — Daily limits by account tier, 10:30 PM ET cutoff, and how to deposit large checks
- Citi Transfer Limits — Zelle, ACH, and wire limits by tier, with fees and how to request an increase
- Citi vs Chase — Full head-to-head on fees, ATMs, branches, savings rates, and credit cards
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