You put a lot into your job. With Citibank at Work, you can get a lot back in return.
 
Free Checking with Direct Deposit *
•  No monthly maintenance fees while employed
•  Free first order of checks
Personal Installment Loan
•  Get preferred rates on your personal loan 7
apply now > get details >
No Citibank ATM Fees **
•  No charge on Citibank ATM transactions
•  No charge on non-Citibank ATM transactions
Citipro® Personal Financial Review2
•  A comprehensive look at your cash flow
•  Support to help meet your savings goals and learn to utilize your credit better
apply now > get details >
Citibank® Online
•  Free online banking with bill payment
•  Online bank statements and check images
•  Alerts that deliver account updates to your cell phone or e-mail
•  Transfer funds online between your Citi and non-Citi accounts
•  Send money to Citi and non-Citi accounts in U.S. and abroad
Citigold® Account5
•  Preferred interest rates on selected deposit products, including your checking account and a high-yield transaction account available for your Citibank IRA.
•  Waived fees for checkbook orders, stop payment requests, incoming wire transfers, money orders and travelers checks.
•  Discounts on online outgoing wire transfers, foreign currency transactions and safe deposit box.
get details > go to Citigold >
Women & Co.® 4
•  Education and knowledge are key factors to your success. Complimentary membership ($125 annual value) provides access to exclusive programs and educational resources to help you focus your thinking and prioritize your personal finances
Insurance Planning2
•  Relevant articles on how to select the right coverage for you and your family
•  Insurance calculators to help determine what your coverage is worth
get details > Citi Insurance Planning >
Citibank® Global Transfers ***
•  Easy, convenient and immediate transfer of funds to Citibank accounts in the U.S. and to Citibank accounts in 23 other countries!
•  Competitive price for funds transfers, and no transfer fees are charged to receive Citibank® Global Transfers.
get details >
 



* The Citibank regular checking account in a Citibank Account relationship package is free of monthly maintenance and per-check fees with a monthly Direct Deposit while you are an employee of a company in the Citibank at Work program. Otherwise there is a monthly maintenance fee of $12.50 ($9.50 in NY, NJ, CT). A per-check fee of $0.50 and a $1.50 non-Citibank ATM fee will be charged when minimum balance requirements are not met. Charges for other account-related services apply.

** Other institutions may charge a fee for transactions on non-Citibank ATMs.

*** Applicable fees are charged to the sender. For international transactions involving a currency conversion, Citibank's exchange rate includes a fee for the currency conversion.

INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT BANK GUARANTEED • VARIABLE PRODUCTS MAY LOSE VALUE

2Citipro is a service provided by Citibank, which offers banking services. Insurance offered through an insurance agency licensed in your state that is an affiliate of Citibank, N.A. ("Agency"). See below for the specific insurance agency that offers insurance in your state. All these companies are affiliates and owned by Citigroup Inc. Each company is responsible for its own obligations.

Residents of:Issuing Agency:
ArizonaSBHU Life Agency of Arizona, Inc.
ArkansasSBS Insurance Brokerage Agency of Arkansas, Inc.
HawaiiSBS Insurance Agency of Hawaii, Inc.
IdahoSBS Insurance Agency of Idaho, Inc.
IndianaSBS Life Agency of Indiana, Inc.
KentuckySBS Insurance Brokers of Kentucky, Inc.
LouisianaSalomon Smith Barney Life Agency, Inc. (Louisiana)
MaineSBS Insurance Agency of Maine, Inc.
MassachusettsSBHU Life Insurance Agency of Massachusetts, Inc.
Nevada SBS Insurance Agency of Nevada, Inc.
New HampshireSBS Insurance Brokers of New Hampshire, Inc.
North DakotaSBS Insurance Brokers of North Dakota, Inc.
OhioSBHU Life Agency of Ohio, Inc.
Oklahoma SBHU Life Agency of Oklahoma, Inc.
South Dakota SBS Insurance Agency of South Dakota, Inc.
Texas SBHU Life Agency of Texas, Inc.
UtahSBHU Life Agency of Utah, Inc.
WyomingSBS Insurance Agency of Wyoming, Inc.
All Other States (except Puerto Rico)SBHU Life Agency, Inc.*

* SBHU Life Agency, Inc., or another affiliated insurance agency of Citibank, N.A. In California, License # 0536761. In Minnesota, License # IA-6026.

4 Women & Co. is a membership service that provides financial education and related resources intended for informational purposes only. No feature of the membership shall constitute an offer or solicitation with respect to the purchase or sale of any security. The views expressed in Women & Co. educational and related publications constitute the judgment of the author(s) as of the publication date and are subject to change without notice. Any unauthorized use, duplication, redistribution or disclosure is prohibited by law and will result in prosecution. A member is not required to be a customer of a Citigroup affiliate to enroll. Citigroup's Global Consumer Group and Smith Barney, a division of Citigroup Global Markets Inc., reimburse certain expenses of Women & Co. Smith Barney is a service mark of Citigroup Global Markets, Inc. Women and Company, Women & Co., Citibank, Citi, and Citi with Arc Design are registered service marks of Citigroup Inc. Women & Co., Citibank, and Citigroup Global Markets Inc. are affiliated companies under the common control of Citigroup Inc.

5 © 2008 Citigroup Global Markets Inc., Member SIPC. Citigold is a service of Citibank, N.A, which provides banking services. Securities are offered through Citigroup Global Markets Inc. Smith Barney is a division and service mark of Citigroup Global Markets Inc. and is used and registered throughout the world. Citibank, Citibank with Arc Design, Citigold, Citi, and Citi with Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world. Citibank and Citigroup Global Markets Inc. are affiliated companies under the common control of Citigroup Inc.

7 Must be employed by a Citibank at Work client company. Personal Loans are offered by Citibank, N.A.