Employee Benefits

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Begin your Citigold relationship by opening a Citigold checking account online.
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Dedicated support: Working together for your success

With Citigold, you have a Citigold Relationship Manager and a Citi Personal Wealth Management Financial Advisor collaborating to provide you with integrated, personalized financial guidance.1,2

  • As your personal point of contact for your banking needs, your Relationship Manager provides guidance on how you can make the most of all Citi has to offer1
  • Your Citi Personal Wealth Management Financial Advisor provides customized financial planning strategies and guidance on your long- and short-term investment objectives1
  • Working together, they act as a full-service team to help manage your day-to-day needs, as well as your goals for tomorrow
  • Both your Citigold Relationship Manager and Citi Personal Wealth Management Financial Advisor receive training from The Citi/Wharton Global Wealth Institute, a first-of-its-kind training program for Citigold professionals

Find a Citigold Relationship Manager or Citi Personal Wealth Management Financial Advisor


Learn more about the background of Citigroup Global Markets Inc. and its registered/licensed professionals.


Introducing The Citigold Concierge12: an exclusive new personal service for Citigold clients. Learn more about how your Citigold Concierge can connect you with 24/7 access to a host of amazing services.

The Citigold Concierge

World-class investment capabilities

Whether you're following a plan or have questions about managing your finances, your Citigold relationship provides you with access to a sweeping breadth of financial resources to help, including the world-class investment capabilities of Citi Personal Wealth Management.1

  • Global, open architecture investment platform
  • Market insights from Citi Private Bank
  • Access to research from more than 300 international research analysts
  • Waived annual fee on linked Citi Personal Wealth Management accounts2
  • Online/mobile $4.95 equity trades with Citi Personal Wealth Management
  • Personal service and professional guidance from your Citi Personal Wealth Management Financial Advisor
  • Financial planning with Citi Clarity®, a customized, 5-step planning process
  • Access to Wealth Planning Specialists who can work with your Financial Advisor on advanced planning
  • Access to financial education events and digital content
  • The breadth of resources at Citi, a recognized leader in municipal bonds13, managed accounts, alternative investments, capital markets and global research

Explore Investing with Citi

More than banking: Your relationship has benefits

Your Citigold relationship can help you do much more than manage your money. From exclusive experiences to travel advantages and relationship pricing, Citigold benefits offer enriching extras for your lifestyle.

Special Savings
  • Waived fees for standard checkbook orders, stop payments, incoming wire transfers and money orders11

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Special Savings: Access to preferred pricing2

  • Reimbursed fees on non-Citi ATMs4
  • Waived foreign exchange fees when using your Citibank banking card6
  • Relationship pricing on select deposit products and services
  • Citi Global Transfers to move your money with no fee5

The Citigold Concierge12

  • Exclusive restaurant reservations, including top chef's tables at various preferred restaurants
  • Event access, including tickets to shows, concerts, sporting events and more
  • A full-service travel agency and comprehensive vacation planning service

Contact your Citigold Relationship Manager today to learn more about the service

Citigold Concierge
  • A broad array of additional Global Client Banking Services within your reach
  • Opportunity to earn ThankYou® Points at the highest tier offered for a checking relationship that you can redeem for various rewards8

Manage your banking and investing1 with the Citi Mobile® app for iPhone®

Benefits That Travel With You

  • Waived foreign exchange fees when using your Citibank Banking Card6
  • Cash for eligible emergencies (up to $10,000 per day from the available funds in your Citigold account)10 and Home Connect customer service7
  • Access to Citigold lounges in locations around the world and Citigold Client Centers in Manhattan

24/7 Support. Anytime, anywhere.

1-888-CITIGOLD (1-888-248-4465)


Apply Online

Begin your Citigold relationship by opening a Citigold checking account online.
Learn More

INVESTMENT AND INSURANCE PRODUCTS : NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Terms, conditions, and fees for accounts, products, programs and services are subject to change.

1. As a Citigold client, you can receive banking and lending services, including The Citigold Account Package, from Citibank, N.A. (Citibank), Member FDIC and Equal Housing Lender NMLS# 412915, along with financial planning and investment guidance from Citi Personal Wealth Management, which is a business of Citigroup Inc. that offers investment products through Citigroup Global Markets Inc. (CGMI), member SIPC. Citigroup Life Agency LLC (CLA) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

2. Requires a checking account in The Citigold Account Package.

3. Citi Personal Wealth Management, a business of Citigroup Inc., offers investment products through Citigroup Global Markets Inc. ("CGMI"), member SIPC.

4. Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are eligible for Citigold. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts.

5. If the Citibank Global Transfer is made in foreign currency, the exchange rate includes a commission for the currency conversion. Citibank Global Transfers initiated from a U.S. savings or money market account are included in the six preauthorized or automatic transfers permitted each statement period. Transfer limits are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. Customer must have a checking, savings or money market account to send a Wire Transfer. Wire Transfer is available only in participating locations. Local terms and conditions may apply. Daily and weekly transaction limits apply. Customer is responsible for complying with local laws and regulations.

6. Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico.

7. Access a Home Connect Customer Service Representative by calling the international collect number for Citibank customers at 210-677-0065. For Citigold customers, call 1-800-CITICODE or call collect at 210-677-3789.

8. Separate enrollment of eligible consumer checking account in Citi ThankYou® Rewards required. Eligible customers in The Citigold® Account Package, The Citi Priority Account Package, and The Citibank Account Package can enroll their checking accounts in ThankYou Rewards. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States (U.S.) with a valid US. taxpayer identification number. Taxes, if any, are customer's responsibility. You must complete 1 qualifying Bill Payment and 1 qualifying Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. For complete details, see the Citi ThankYou® Rewards Terms and Conditions.

9. Standard account charges apply. Citibank does not charge you a fee for using the Citi Mobile® App. However, charges from your wireless carrier may apply.

10. Limits, restrictions and fees may apply and vary by country. Not available in all countries.

11. Fee for Citigold standard design checkbook is waived. A fee will be charged for non-standard design checkbooks. Refer to your Client Manual - Consumer Accounts and Marketplace Addendum for complete details.

12. Citigold Concierge is the name of the service provided by Aspire Lifestyles for Citigold clients on behalf of Citigroup Inc. Citigroup Inc. and Aspire Lifestyles are not affiliated companies.

13. Depending on your state of residency, some bonds may be exempt from state and local taxes; however, interest may be subject to the federal Alternative Minimum Tax.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

©2017 Citigroup Inc. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.