Citibank · U.S. checking accounts

Citi Regular Checking

Citi checking with paper checks, a $15 monthly fee and no minimum opening deposit. Qualifying activity or a relationship tier can waive the fee. The qualifying deposit threshold rises from $250 to $1,000 on January 1, 2027.

Pros

Personal check writing, debit payments and digital banking.
Qualifying deposit or transaction activity, or eligible Relationship Tier status, can waive the monthly fee.
Citi does not charge overdraft or returned-item fees.

Cons

$15 monthly unless a waiver condition is met.
Deposit/transaction waiver threshold increases from $250 to $1,000 on January 1, 2027; Relationship Tier waivers are unaffected.
Standard wire, foreign-currency and out-of-network ATM charges can apply.
Confirm accepted tax-ID and residency documents with Citi before applying.

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

Costs and key facts

Recurring fee	15 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Through December 2026: $250 or more in qualifying direct deposits or other qualifying transactions per calendar month, or eligible Relationship Tier status. From January 1, 2027, the deposit/transaction threshold becomes $1,000; Relationship Tier waivers are unaffected.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Regular Checking supports applications through a branch, Citi Online, Citi Mobile or eligible telephone banking. Opening is subject to identity and residency verification. Confirm the accepted tax ID, documents and online citizenship or resident-alien requirements for your status with Citi; ITIN-only or passport-only eligibility is not established by the account agreement reviewed here.

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

Product review: 31 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