Citibank · U.S. checking accounts

Citi Access Checking

A U.S. checking account with a $5 monthly service fee and published waiver options. Online account opening is available to eligible U.S. citizens and resident aliens.

Pros

$250 in qualifying deposits or transactions, an owner age 23 or younger, or eligible Relationship Tier status can waive the $5 monthly fee.
Citi does not charge overdraft or returned-item fees.
Debit card, online and mobile account access.

Cons

$5 monthly unless a waiver condition is met.
Personal check writing is unavailable; merchants must use an accepted electronic payment method.
Standard wire, foreign-currency and out-of-network ATM charges can apply.
Confirm the application route and documents for your immigration status with Citi.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	5 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Fee waiver routes include at least $250 in direct deposits or other qualifying transactions in the month, an account owner age 23 or younger, or an eligible Citi Relationship Tier. Citi excludes specified transfer and deposit types. Full current account terms apply.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Citi Access Checking can be applied for through a branch, Citi Online or the Citi Mobile App. Account opening is subject to Citi identity and residency verification. Confirm online citizenship or resident-alien conditions, minimum age, and the accepted SSN, ITIN or other tax-document route for your status before applying; a universal passport-only route is not confirmed here.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 17 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	25 (currency not confirmed)
Incoming wire	15 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Standard domestic outgoing wires cost $25 online or $35 through other channels; incoming wires cost $15. Online international USD wires cost $35, foreign-currency wire fees are waived online, and other-channel international wires cost $45. Tier benefits, exchange rates and other-bank charges can affect total cost.
Allpoint ATM	Not confirmed
Other ATMs	Standard non-Citi ATM fee is $2.50 outside Citi’s surcharge-free network; ATM operators may add fees. Confirm applicable network or Relationship Tier treatment.
Cash deposit	Not confirmed