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Citi Bank has been functioning for more than a century. June 1812, in New York City, the bank started as City bank and later changed its name to First National City Bank of New York. Citibank’s first CEO was retired colonel and statesman, Samuel Osgood.
August 1813, William Few took over as the new CEO of the bank. As a customer of Citibank, you will have access to personal loans, mortgage, commercial loans, credit cards, and lines of credit.
The bank operates physical branches in 19 countries across the globe with more than 2649 branches. In the United States of America, Citibank has about 723 branches while in Mexico is more than 1494 branches.
In the United States, Citi Bank branches are located in 6 metropolitan areas which include: New York City, Washington D.C., San Francisco, Miami, and Los Angeles. The bank also has branches in the following countries: Poland, United Arab Emirates, Russia, and India
Following the 2007-2008 financial crisis and loss in value of the bank’s assets, Citigroup was bailed out by the U.S Treasury.
Citibank online banking makes it easy to manage your accounts anywhere across the globe. If you want to open an account with Citibank or access your existing accounts online, you can do so using your computer or the Citibank mobile app.
Citibank Basic Banking Checking Account Fees
This part of the article will roll out some of the fees attached to banking with Citi Bank.
Non-Citibank ATM Fee: If you use your Citibank credit card in any other ATMs you will be charged $2.5
Money Order: Any transaction that is money order in your account, you will be charged $5
Official Check Fee: On your account, the official check fee will be deducted from your account, is $10
Deposited Check Returned Unpaid Fee: If an unpaid deposited check returned through your account, you will be charged $12
Monthly Maintenance Fee: On your account, a monthly maintenance fee will be charged, it is about $12
Domestic and International Incoming Wire Transfer Fee: If any domestic and international incoming wire transfer taken place in your account, you will be charged $15
Online Domestic Outgoing Wire Transfer Fee: If domestic outgoing wire transfer takes action on your account, you will be charged $25
Stop Payment Fee: On stop payment that occurs in your account, you will be charged $30
Insufficient Funds Fee: If you transact on your account with insufficient funds, you will be charged $34
Overdraft Fee: Overdraft will be taken $34 in your account
Online International Outgoing Wire Transfer Fee: If an online international outgoing wire transfer takes place in your account, you will be charged $35
Domestic Outgoing Wire Transfer Fee: If any domestic outgoing wire transfer takes place in your account, you will be $35
International Outgoing Wire Transfer Fee: On any international outgoing wire transfer, you will be charged $45
Pros and Cons of Citibank
This part of the article will run through the good and bad of this amazing bank that has been functioning. In other to explore these, please keep reading the article.
====> In most of the accounts available in Citi Bank, no minimum opening deposit requires
====> On certain accounts, you operate, you will be rewarded with points and smiles
====> You will be able to avoid monthly banking charges fees in many ways
====> Verities of customers will be able to enjoy many features that are available while banking with Citibank
====> Decent savings account rate available in some areas
Citi Bank Cons
====> No option for a standalone savings account
====> Many fees to navigate
====> Complicated checking account choices or packages
====> Thank You Points earnings system isn’t simple
====> Lackluster CD rates
Citi Bank Online Banking Account Application Process
The online application process is simple as long as you are a customer with an account with the bank. In other to complete the online application process, you need to follow the steps in this part of the article. Here is what you need to do:
Step 1 ====> First of all, you need to Citibank’s Homepage
Step 2 ====> On the page, located and click on the register for online access button or link
Step 3 ====> After that, you will be taken to a place where you need to enter your account number, click verify and continue
Step 4 ====> Now you need to complete the following steps: manage your user ID, for your security and confirmation.
Citi Bank Online Account Login Process
Now that you have completed Citibank online banking application process, it is time now to log in to your online account. This can be done in two great ways, on your mobile phone and the web. We will explore these processes in this article, keep reading as you get them done.
Log In to Citibank Online via Mobile Devices
The majority of people accessing banks through banks’ mobile apps, Citibank is not excluded in this situation. Accessing your account through the mobile app is easier and convenient. The Citi Mobile banking app is an easier option and gives you faster access by skipping the login process.
The app also provides notifications about bank and credit card transactions. In other to log in to your Citibank online account through a mobile app, you need to follow the steps below.
Step 1 ====> You need to download the Citi app for your device through the mobile apps store like the Google Play Store or Apple Store.
Step 2 ====> After downloading the app, install on your phone
Step 3 ====> After installation, run the app on your mobile device
Step 4 ====> Now, enter your Citibank online banking login info (user ID and password) in the fields provided.
Step 5 ====> Finally here, tap on the login button to access your bank dashboard. Sign out when your session is complete.
If you enter the correct login details, you should be able to log in to your account without any problem.
Log In to Citi Bank Online through Computer System
You can access your online banking account through a mobile app and the web. We had run through that of the mobile application. Now we will run through the website process on your computer system.
It is very easy to log in to Citibank online using a desktop or laptop computer. Logging in this way will give you the same functions as using the mobile app on your phone or tablet. Here is the complete step to be taken:
Step 1 ====> You need to visit the official login page of Citibank on your computer
Step 2 ====> On the page, located an click on the login button
Step 3 ====> Now, you need to enter your login details (user ID and password) in the space provided
Step 4 ====> Then, click on the Sign on button to access your online banking dashboard
NOTE: Do not select Remember My User ID option when using a public computer or connect to public WIFI. If you access your account via a public café or computer system, clear the browsing data when you’re done. Deleting browsing data and un-checking Remember My User ID are vital steps to protecting your personal information and preventing fraud.
Manage Your Citibank Online Account
====> Through your online banking account, you will be able to apply for loans
====> You will be able to check transaction history on your account
====> Through the mobile app, you will be able to find and locate the nearest ATMs closer to you
====> Through your online banking account, you will be able to request an eStatement for your account balance
====> Through Citibank online account, you will be able to transfer funds to other accounts
How to Reset Citi Bank Online Banking Account Login Password
You may have lost or forgotten your password to access Citibank’s online banking account password. You have your reason for changing your account password, here is a guide to reset your Citi Bank online banking account password
Step 1 ====> You need to visit the official login page
Step 2 ====> On the page, locate and click on the forgot user ID or password link
Step 3 ====> For Credit Card and Banking customers, enter your credit card or ATM/debit card number, and for customers who don’t have a Credit Card or bank account and mortgage only customers, enter your email address.
Step 4 ====> After that, click on the continue button to complete process
Contact Citibank Customer Service
You will be able to contact Citibank in several ways through the customer service department.
====> If you live in the U. S and Canada, contact the customer care services through 1 800 374 9700
====> If you live outside the U. S and Canada, contact the customer care services through 1 210 677 3789
====> For individuals who are deaf or hard of hearing, contact the customer care services through 1 877 693 0372