Since 1812, Citibank was originally named as the City Bank of New York. It was later named the First National City Bank of New York . A public company, Citibank is headquartered in New York City with 983 branches located in metropolitan areas such as Dallas, Houston, Miami, San Francisco and Los Angeles. Customers who bank with Citibank will have the opportunity to take advantage of different services such as personal checking, savings accounts, student loans and home loans. Citibank also offers online and mobile banking for today’s customer. Citibank claims about 15 million users who benefit from its online services.

The Good

Citibank have a total asset of 1,880.4 billion. They provide services for personal, consumer businesses, and institutional businesses. This bank provides excellent service for business banking with sales below $5 million, above $5 million, and above $20 million and need a global bank. Some of the services provided are:

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  • banking for checking, saving, and CD
  • investments for IRA, Insurance, and mutual funds, IRAs and Rollovers, Bonds and Annuities
  • loans for mortgage, home equity, personal lines and loans
  • consumer and commercial finance services including
    • online banking
    • mobile and tablet banking
    • text banking
    • global client banking

Citibank offers a wide range of services to meet the needs of today’s customer. Services provided by Citibank include:

  • Personal checking accounts
  • Business checking accounts
  • Savings accounts
  • CD’s
  • Debit cards
  • Credit cards
  • Student loans
  • Auto loans
  • Online mortgage rate calculator
  • Home loans
  • Online banking
  • Mobile banking

The New York-based bank also includes identity theft protection, fraud protection and insurance protection. Customers who choose Citibank will also be able to take advantages of Citibank’s merchant accounts and mobile wallet option.

Customers who choose set up personal checking accounts with Citibank will find that there is no minimum deposit. Those who choose to bank with Citibank will have protection against loss in the unlikely event there are unauthorized electronic funds transferred in their Citibank deposit accounts for checking and savings.

People who choose to trust Citibank with their money may have a higher chance of receiving good customer service. Citi employee reviews on Indeed  are positive. The bank has an employee satisfaction rating of 4 out of 5 stars. The following criteria Citibank has been rated on include:

  • Job work/Life balance
  • Compensation/Benefits
  • Job security/Advancement
  • Management
  • Job culture

They are a global bank with approximately 3,280 branches in 700 cities. 

The Bad

Despite its many services including personal checking and insurance protection, Citibank does not offer a college savings plan. Parents and their children who want to plan for the financial expenses that come with a higher education will have to look into other banks to meet their needs.

They also have many banking fee’s for checking accounts which include:

  • Monthly Maintenance fee: again depends on the account but the fees range from $10-$30 a month unless consumer meets certain requirements.
  • Overdraft fee $34
  • Non-Citibank ATM fee $2.50 per withdrawal
  • Other service fees 

The Bottom Line

Citi Bank has proven themselves to be a secure bank to open an account for personal, small business, or commercial company.  Their many services provide an excellent source for financial needs. The New York-based company high employee satisfaction ratings is always a good sign and Citibank has online and mobile banking options as well.

Although Citibank has been in business for more than 200 years, the business has its share of negatives. For customers who value Better Business Bureau accreditations and ratings, they will not find any with Citibank. It also lacks a college savings plan.

Our recommendation: If you have a child with college aspirations and want to be able save up in time for a higher education, Citibank is not your best option. However, if you are looking for an all-around banking service complete with personal checking and savings accounts, consider Citibank.

Time in Business

Citibank was founded in 1812 and have been in business for 200+ years.


Mobile Friendly

Yes. Citigroup bank is on Facebook, Instagram, and Twitter, Linkedin, and Google+ where they respond to customers concerns and give updated information about the company. They also have an online banking app for mobile devices and keep their website up to date.


Through their annual financial report which can be found online that their return of assets (ROA) is 0.52% and return of equity (ROE) is 4.8%.



Call company


Yes. There are different fees for 4 different checking accounts. Those fee’s are listed in the bad. There are also deposit fee’s for saving accounts as well as a maintenance fee unless there is a minimum deposit in account.

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Citibank has more than 3,280 branches in 700 cities worldwide, online (, and mobile devices. Citibank is global questions one can contact customer service anytime, 7 days a week.

Services Available

Citibank provide services for checking, savings, CD and Credit card accounts. They also give out loans for mortgages, home equity. Provide insurance Have multiple ways to invest as well.

Contact Information:


2801 W Devon Ave,

Chicago, IL 60659-1501


(773) 465-3000


24 hours a day, 7 days a week

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