Citibank offers five distinct checking accounts ranging from business to personal. "Access Account" charges no overdraft fees, does not offer paper checks, and has a $10 monthly fee that can be waived if the account holder keeps a minimum balance of $1,500 in linked accounts or makes one qualifying direct deposit or bill payment. "Basic Banking" has the same minimum balance requirements but a $12 waivable fee. Customers can also get the monthly fee waived it the main account holder is 62 or older. With a $25 monthly waivable fee, "The Citibank Account" offers rewards points, no bank fee on out of network ATMs, and the ability to earn interest when requirements are met. "Citi Priority" has a waivable $30 fee and Financial Advisor available by phone. With a Priority account, customers can also receive preferred rates on other financial products, can complete online equity trades for a fee $9.95, and earn additional rewards. Finally, at the top of the tier is the "Citigold Package" account that, in addition to the benefits available to Priority members, offers a dedicated team of Financial Advisors, $4.95 equity trades, no monthly fee, but requires a combined average monthly balance of $200,000.

In November 2017, Moody's Investors Services changed Citibank's outlook from stable to positive, which reflects the institution's solvency and a favorable risk management culture. BauerFinancial's 4-star rating is in tune with Moody's concerning the bank's positive outlook. Regarding regulatory actions against Citibank, the Consumer Financial Protection Bureau Complaints registers a number of complaints against the bank. The complaints we read mentioned problems with promotional sign-up bonuses. Thus, if customers are signing up to take advantage of a promotional offer, they should read the fine print and keep all documentation.

In addition to 700 brick and mortar locations throughout the U.S. and 1,800 around the world, Citibank Customers have 24/7 support via live chat and a phone line for international customers. Citibank's rating from the Better Business Bureau is significantly low due to lack of responding to customer online complaints. Citibank also has many online complaints regarding its credit and mortgage loans. However, the company is deemed creditworthy, receiving an A1 rating from Moody's.