Click the image to open an account!
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Citi Bank offers a 2.36% APY
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One of the best rates available
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APY
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No minimum to open an account
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There is a monthly service charge but it can be avoided
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​If the savings account is not linked to checking, you have to maintain $500 balance to avoid $4.50 service charge
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If savings and checking are linked, you have to make one qualifying direct deposit OR one qualifying bill payment per statement period OR maintain a $1,500+ combined average monthly balance in eligible linked accounts to avoid $10 service charge
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Fees and Minimums
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Three easy steps to open an account
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Mobile banking
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Large ATM network
Other Features
Bottom Line
Citi offers very high interest rates and has physical branches, but there are certain things you must do to avoid service charges. If this is too much of a hassle, we recommend looking elsewhere.