How to Appeal Citibank Checking Account Fees Easily

Citibank began in 1812 in New York City when merchants came together to create a bank to compete with the other big cities of the time. Throughout the years, the bank has expanded to operate in over 117 countries and territories, with over 4,000 branches worldwide. Citibank provides various financial products and account package offerings, as well as access to thousands of ATMs across the country where you can access your money.

One of the most popular financial products Citibank offers is the checking account. This type of bank account allows you to easily deposit and withdraw money for daily transactions. This may include depositing a check you receive, taking out cash with your debit card, or setting up direct deposit for your paychecks. One of the most common characteristics of a checking account is the checking account fees that banks charge you to maintain your account.

If you're not mindful of them, checking account fees can put a significant dent in your account balance. Luckily, Citibank provides the opportunity to waive your monthly Citibank checking account fees if you meet certain requirements, such as maintaining a minimum balance, setting up direct deposit, or enrolling in paperless statements. In this article, we'll go over and how to appeal them using DoNotPay.

Citibank Checking Account Fees Explained

Citibank has three types of checking accounts, but the amount you'll pay in and earn in interest depends on the Citi banking package you select. Three common options are:

Checkless regular checking account: A $10 monthly fee
Regular checking account: A $12-$30 monthly fee
Interest checking account: Up to a $30 monthly fee

How to Avoid Citibank Checking Account Fees

Most Citibank account packages allow customers to waive monthly maintenance fees through balance minimums or qualifying deposits and payments. Here's a breakdown of how to avoid Citibank checking account fees for each package:

Citigold	For those who can maintain a combined average monthly balance of more than $200,000 in linked deposit, retirement, and investment accounts, a Citibank Gold Account is an option. There are no monthly service fees for Citigold clients.
Citi Priority	You must maintain a combined average monthly balance of $1,500+ in eligible linked accounts or make one qualifying direct deposit or pay a qualifying bill per statement period. You also need to maintain a combined average monthly balance of more than $50,000 in eligible linked deposit, retirement, and investment accounts.
The Citibank Account	You can waive your monthly service fee if you maintain a combined average monthly balance of $1,500+ in eligible linked accounts or make one qualifying direct deposit or qualifying bill payment per statement period. Your average monthly balance from your checking or savings account must also be greater than $10,000.
Basic Banking	To avoid your monthly service charge, you need to make one qualifying direct deposit and bill payment per statement period or maintain an average monthly balance greater than $1,500 in your checking account or in a combination of eligible linked accounts. The monthly service fee is also waived for customers ages 62 and older.
Access Account	To qualify for a Citibank checking account fees waiver, you must make one qualifying direct deposit or bill payment per statement period and maintain an average monthly balance greater than $1,500 in eligible linked accounts.
Citigold Private Client	A Citigold Private Client account requires a combined average monthly balance of $1,000,000+ in eligible linked deposit, retirement, and investment accounts. There's no checking account fee for this package.

Does Citibank Have Hidden Fees?

On top of monthly maintenance fees, Citibank checking accounts can charge a variety of other fees, including:

Overdraft fee: $34 per overdraft
Insufficient funds fee: Standard fee of $34 per returned item across all applicable accounts
Non-Citibank ATM withdrawal fee: $2.50 for out-of-network withdrawals and an additional 3% fee for transactions made outside the U.S. and Puerto Rico (there are no ATM fees for Citi Priority and Citigold accounts)
Deposited check returned unpaid fee: $12
International debit purchase fee: 3% on all foreign transactions (waived for Priority and Gold customers)
Incoming domestic/international wire transfer fee: $15-$45
Stop payment fee: $30
Outgoing online domestic/international: $25 and $35 respectively
Cashier's check fee: $10 per check (waived for Priority and Gold customers)

How to Waive Citibank Checking Account Fees With DoNotPay

Here's how you can use DoNotPay to waive Citibank checking account fees in three simple steps:

1. Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.

2. Select the merchant you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.

3. Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.

DoNotPay Works Across All Companies With the Click of a Button

Apart from helping you waive Citibank checking account fees, DoNotPay can also help you:

We can also help you:

A big part of banking responsibly is making sure you're using your money efficiently with your bank accounts. This means paying attention to your checking account charges and finding ways to waive them. With DoNotPay, you can waive your Citibank checking account fees instantly, saving you precious time, money, and energy, so you can focus on other productive activities.