Citi Bank Review: APYs, Fees & Who It's Best For in 2026

Citi's branch footprint shrank significantly over the past few years, but in 2026 the bank is leaning hard into its strengths: a genuinely global ATM and branch network, the Citigold wealth platform, and tight integration with Citi credit cards.

2026 snapshot

• Our rating: 4.1 / 5
• Best for: Global ATM access and Citigold wealth tiers
• FDIC insured: Yes, up to $250,000 per depositor, per ownership category

Products and features

Citi Access Account & Regular Checking

Standard checking with monthly fees waived at higher balance tiers.

Citi Accelerate Savings

Available in select states with a competitive APY around 4.10%.

Citi CDs

Standard rates are weak; featured-rate CDs can be competitive.

Citigold

$200,000+ relationship tier with dedicated wealth advisor, waived fees, and travel perks.

What we like

• Citi Accelerate Savings APY is competitive in eligible states
• Excellent global ATM network for travelers
• Citigold tier has strong wealth-management perks

Where it falls short

• Branch footprint is limited compared to the other Big Four
• Accelerate Savings isn't available everywhere

Bottom line

Citi is best for affluent and international customers. If you live in an Accelerate Savings state, the APY alone makes it worth a look.

Rates and product terms shown reflect publicly available information at the time of our 2026 review and can change at any time. Always confirm current APYs and fees directly with the bank before opening an account.