{"account":{"slug":"citi-checking","bank":"Citi","name":"Checking"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.citi.com/banking/checking-account","history":[{"date":"2026-06-11","apy":"None at base; linked savings rates vary","monthlyFee":"$15 Regular Checking; $5 Access Checking","minimumOpen":"None","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"No APY advertised for Regular or Access Checking","monthlyFee":"$15 Regular Checking; $5 Access Checking; waived with $250+ qualifying monthly deposits or an eligible relationship tier","minimumOpen":"None","note":"Reconfirmed fee, waiver, ATM network, overdraft policy, and relationship-tier thresholds; corrected the non-Citi ATM waiver description","sourceUrl":"https://www.citi.com/banking/simplifiedbanking","sourceLabel":"Citi Simplified Banking and Relationship Tiers"}],"verificationEvents":[{"id":"6c113c83-1af3-4ecc-b46b-23f760bf78d0","entityType":"bank-account","slug":"citi-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T00:55:53.932Z","sourceUrl":"https://www.citi.com/banking/simplifiedbanking","sourceLabel":"Citi Simplified Banking and Relationship Tiers","outcome":"changed","summary":"Reconfirmed checking fees, waiver rules, ATM network, no-overdraft policy and tier thresholds; corrected the non-Citi ATM fee waiver description","changedFields":["apy","atm","plans","termHistory","lastVerified"],"facts":{"regularCheckingFee":"$15","accessCheckingFee":"$5","qualifyingDepositsForWaiver":"$250","feeFreeAtms":"65,000+"},"previousHash":"fd40861c653e5880a390afd598adca55873c6ebefb43fdea608e83f0efc2b72b","recordHash":"e75f10b2d7d959549233a10af0e2cc2f93cd601a9401c4787003cf1814bbff47"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}