{"account":{"slug":"citi-checking","bank":"Citi","name":"Regular and Access Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.citi.com/banking/bank-accounts","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"},{"date":"2026-10-23","apy":"Neither Regular Checking nor Access Checking earns interest","monthlyFee":"$15 Regular; $5 Access. Current $250 qualifying monthly deposit waiver; Regular rises to $1,000 January 1, 2027. Tier and Access age waivers also apply.","minimumOpen":"No minimum opening deposit; zero-balance accounts may close after 90 days","atm":"65,000+ fee-free ATMs. Outside the network, Citi charges $2.50 and the operator may charge separately. Relationship tiers waive Citi’s fee; Citigold and Private Client also refund eligible operator fees.","note":"Reviewed both checking products, qualifying ACH exclusions, age waiver, tier thresholds, ATM fees and service charges against the agreement and effective amendments. Upcoming January 2027 Regular threshold is separate from current terms. Bonus offer remains unverified.","sourceUrl":"https://online.citi.com/JRS/popups/ao/CDAA.pdf","sourceLabel":"Citi Consumer Deposit Account Agreement and amendments"}],"verificationEvents":[{"id":"f73bd1c8-765e-488b-9d2a-fe4995c9984a","entityType":"bank-account","slug":"citi-checking","checkedAt":"2026-10-23T13:33:08.842Z","recordedAt":"2026-10-23T13:33:08.843Z","sourceUrl":"https://online.citi.com/JRS/popups/ao/CDAA.pdf","sourceLabel":"Citi Consumer Deposit Account Agreement and amendments through October 1, 2026","outcome":"changed","summary":"Reviewed Regular and Access Checking; corrected qualifying ACH and ATM waiver distinctions, check-writing access, tier maintenance thresholds and service fees. Separated current $250 deposit waiver from Regular’s $1,000 requirement effective January 1, 2027.","changedFields":["accountName","tagline","apy","monthlyFee","minimumOpen","fdic","plans","features","atm","pros","cons","ourTake","bestFor","url","sections","editorialReview","termHistory","lastVerified"],"facts":{"regularMonthlyFee":15,"accessMonthlyFee":5,"currentMonthlyQualifyingDeposits":250,"regularQualifyingDepositsFrom2027":1000,"effectiveDate":"2027-01-01","accessAgeWaiverMaxAge":23,"nonCitiAtmFee":2.5,"interest":false,"minimumOpeningDeposit":0,"bonusStatus":"source-unavailable; unchanged","agreementPdfPages":[9,14,17,18,71,85,102,104,105]},"previousHash":"faa318752c0bf64035f35043d92f81fbdbc7c1752a4ebba20ecce8ebd1b24c0f","recordHash":"28e612dfaa72b56fa273810268ec0ea7aab355a39a6168636abe25730d1ce72c"},{"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"}