Citigold requirements

Citigold requirements split into two numbers Citi publishes side by side: $200,000 in combined average monthly balance to reach the tier, but only $180,000 to keep it once you already hold it. That lower figure is a retention floor for existing clients, not a discounted way in — read which number you are actually being quoted. The same attain-versus-remain split repeats one tier up, at Citigold Private Client: $1,000,000 to reach it, $800,000 to keep it.

CI

Citi — Relationship Tiers

National branch network

Citi Priority — $30,000

$0Monthly service fees on checking and savings: $0.
ATMCiti's own $2.50 non-Citi ATM fee: $0.
ATMThe other bank's surcharge is NOT refunded at this tier. Citi refunds operator fees only at Citigold and above — this is the sharpest and most easily missed distinction in the ladder.
FXForeign exchange fee on debit card purchases: $0. Standard is 3%.
TeamAccess to financial advisors.

Citigold — $200,000

$0Monthly service fees on checking and savings: $0. Standard checkbook orders and stop payments: $0.
WireIncoming wires: $0, domestic and international. Outgoing wires: $0 when the wire is started in Citi Online or Citi Mobile — the published wording does not cover a wire initiated in a branch.
ATMUnlimited reimbursement of non-Citi ATM fees globally, including the other operator's charge.
FXForeign exchange fee on debit card purchases and cash withdrawals abroad: $0.
RateA better savings rate than Citi Priority and untiered accounts — the figure is on Citi's own page, not here.
TravelCitigold Lounge access in cities worldwide, and Culture Pass access to selected attractions.
TeamA wealth team for day-to-day banking as well as investments.

Citigold Private Client — $1,000,000

WireIncoming and outgoing wires: $0, with no channel condition attached.
ATMUnlimited reimbursement of non-Citi ATM fees globally.
$0Stop payments, money orders and checkbook orders: $0. Monthly service fee on checking: $0.
LimitHigher limits on Zelle payments, debit card purchases, daily ATM withdrawals and Citibank Global Transfers.
TeamA wealth team available 24 hours a day, seven days a week.
What counts toward it: Eligible Deposit and Investment accounts — Citi checking, savings and CDs, IRAs and Roth IRAs, and linked Citigroup Global Markets investment accounts. Estate-owned and collateral-holding accounts are excluded. How it is measured: Combined average monthly balance: end-of-day balances across the calendar month divided by the days in it. Citi's own agreement warns the calendar month may differ from your statement period.
Not established: Citi publishes two numbers per tier and they are not the same test: $200,000 to reach Citigold but $180,000 to keep it, $1,000,000 to reach Citigold Private Client but $800,000 to keep it. The lower figure is a retention floor for existing clients, not a way in. Citi's current wire transfer dollar amounts could not be read — the fee appendix is not in the retrieved agreement text and the only schedule carrying figures dates from 2021 and predates this tier structure — so no Citi wire dollar figures are stated here.
Read from citigold.citi.com — Citigold banking on 27 August 2026

How the balance is measured

Citi's test is a combined average monthly balance — end-of-day balances added up across the calendar month and divided by the number of days in it. Citi's own account agreement warns that the calendar month may not line up with your statement period, so a balance that clears $200,000 by your statement can still miss the average Citi actually uses to decide.

What counts toward it

Citi counts Eligible Deposit and Investment accounts toward the threshold: Citi checking, savings and CDs, IRAs and Roth IRAs, and linked Citigroup Global Markets investment accounts. Estate-owned and collateral-holding accounts are excluded.

What Citi does not publish

Citi's current wire transfer dollar amounts could not be confirmed from the material read for this page — the fee appendix is not present in the retrieved account agreement, and the only fee schedule carrying dollar figures dates from 2021 and predates this tier structure. No Citi wire dollar figures are stated here for that reason. Below Citigold sits Citi Priority, the entry-level tier, at $30,000.

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