Employee Benefits

Citi at Work is a comprehensive workplace banking program for savings and discounts, financial education, employee benefits, employee banking, and more.

Bank at Work

Citi at Work

Citi at Work

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Citibank® Savings Plus Account

Save more, earn more.

The Citibank Savings Plus Account offers tiered interest rates that may increase as your balance grows. You'll also get the peace–of–mind of FDIC insurance–and account access anytime, anywhere.

Right for you if…

  • You want the opportunity to earn higher interest rates as your balance increases
  • You want the security of FDIC insurance
  • You want account access anytime, anywhere
Apply Online

Need help? Call us at 1-800-374-9700 and mention Citi at Work

Growing Your Savings is Easy

You can easily open a Citibank Savings Plus Account online, over the phone or in a branch, and funding your account couldn't be easier - you can do it securely online. Here's how:

  • Transfer funds from a linked Citibank account in the Citigold or Citibank Account Package but not from the Basic Banking Package or Access Account
  • Transfer funds from a non-Citibank account via Inter Institution Transfers
  • Use a credit card

For an easy way to grow your savings, put your savings on auto-pilot by setting up Auto Save. Auto Save automatically transfers funds from your checking account to your Savings Plus Account.

Auto Save

It's enough to remember where your keys are let alone remembering to save every month. That's why there's Auto Save - our free service that helps you save regularly by automatically transferring money between your checking account and your savings or money market account.

Security and Liquidity

Whether your saving for a rainy day or have a specific goal in mind you can rest easy knowing your Savings Plus Account is FDIC insured and provides you with full liquidity and 24/7 access to your funds2.

Relationship Rewards

A savings or money market account can help you earn monthly ThankYou Points when linked to a checking account enrolled in Citi ThankYou® Rewards1.

To learn how you can earn rewards for your banking relationship, click here.

Why shouldn't your banking experience be as unique as you are? With our customizable features, it can be. Simply pick and choose the ones you want, then bank your way.

Manage Your Account

ATM/Debit Card

Have Citibank Banking Card, will travel. Get easy access to your accounts online, by phone and at ATMs.

Online Bank Statements

Save a tree. You'll get an email each month when your statement is ready to view.

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Account Linking

Link your Citi accounts so you can access them in one place, and avoid monthly fees.

ThankYou Rewards®

See just how rewarding banking can be. Your ThankYou Points can be redeemed for valuable rewards.1

Account Alerts

Know your money's every move, even when you're on the move. Get free account alerts by text or email.3

Online Check Images

It's never been easier to see which checks have cleared or even print them for proof of payment.

Direct Deposit

Move your money without moving a muscle-certain checks can go directly into your account.

Auto Save

You've got enough to think about. Why not set up regular, automatic transfers from your consumer checking account to your savings or money market account?

Wire Transfers

Send money without leaving home. You can send money to any financial institution in the U.S. Also available for international services.

Inter Institution Transfers

Get your money where it needs to be. Transfer funds to your own accounts in other financial institutions in the U.S.


The hassle of cash and checks is so yesterday. Welcome to Popmoney-the new way to "Pay Other People" directly from your Citibank account. It's quick and fee-free.

Citibank Global Transfers

Move funds to Citibank accounts in the U.S. Also available for international services.4

Learn More Learn More

Move Your Money

Online Bill Payments

Go checkless. Our free online bill payment service lets you pay virtually anyone in the U.S.


You can receive, view and manage your bills electronically, from right where you pay them.

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Global Remittance Services

You've got loved ones back home depending on the hard-earned money you make here.

International Wire Transfers

Send money far and wide to financial institutions almost anywhere in the world.

Learn More Learn More

Protect Your Money

Citi® Identity Theft Solutions

Identity theft can be a scary prospect. But you get specialists to help you reclaim your life-all for free.

Online & Mobile Fraud Protection

This free service helps to cover you against loss in the unlikely event there are unauthorized electronic funds transfers from your Citibank deposit accounts.

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International Services

Citibank Global Transfers

Moving funds to Citibank accounts in select foreign countries is just a click away.4

Foreign Exchange Services

Need foreign currency? We can deliver up to 50 currencies to your home or office — next day.5

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Global Remittance Services

You've got loved ones back home depending on the hard-earned money you make here.

International Wire Transfers

Send money far and wide to financial institutions almost anywhere in the world.

Learn More Learn More

Account Add-Ons

Add to your peace-of-mind by adding on one or all of these protective services. They're a great way to help keep your account safe.

Citi® Identity Monitor®

Keeping a watchful eye on your credit file can make a difference in helping prevent identity theft. That's why this service monitors it every business day.

Safety Check

Few things in life are more frustrating than bouncing a check. That's why there's Safety Check. Safety Check transfers funds to your checking account from your savings or money market account in the event your checking account is ever overdrawn.6

Learn More Learn More
Apply Online

 Or call us at 1-800-ALL-CITI and mention Citi at Work to open an account or learn more

Each depositor is FDIC insured up to applicable limits.

  For the full terms and conditions, see both the Client Manual: Consumer Accounts and the Marketplace Addendum.

1 Separate enrollment of eligible consumer checking account in Citi ThankYou® Rewards required. Eligible customers with a checking account in the Citi Private Bank Account, Citigold Account or The Citibank Account Packages 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 U.S. 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. Citigold® and Citi Private Bank clients who do not complete these transaction requirements can earn points at a reduced level.

2Deposits are subject to Citibank's standard funds availability schedule.

3Citibank does not charge you a fee for using the Citi Alerting Service. However, your wireless carrier may charge you for receiving the text messages you receive from us related to this service.

4Transfer limits may apply. 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 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.

5There are limits on the amount of currency that can be ordered through the World Wallet® Service. Service fees may apply.

6 Citibank will charge an Overdraft Protection Transfer Fee of $10 each day we cover an overdraft by transferring money from your Safety Check contributing account. The Overdraft Protection Transfer Fee will be charged to the consumer checking account that receives the transfer. This fee is waived for Citigold®, Citi Private Bank, International Personal Banking, and Global Executive Banking customers. For additional terms and conditions regarding Safety Check please refer to the Client Manual-Consumer Accounts and the Marketplace Addendum.

7 For the terms and conditions for using Popmoney, visit citibank.com/easierbanking

Citi ThankYou and ThankYou are registered service marks of Citigroup Inc.