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  Citi® Online User Agreement
- IMPORTANT: TO ENROLL YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICE ELECTRONICALLY. YOU MUST
- HAVE THE ABILITY TO RECEIVE AND RETAIN ELECTRONIC COMMUNICATIONS BEFORE YOU ACCEPT THE TERMS OF THIS USER AGREEMENT
- ("AGREEMENT"). THIS AGREEMENT SETS FORTH THE TERMS AND CONDITIONS UNDER WHICH YOU MAY UTILIZE THE VARIOUS FEATURES OF
+ IMPORTANT NOTICE: This agreement was last updated November 2026 to add a new Section H titled Use of
+ Third-Party Artificial Intelligence (“AI”) Agents. These terms caution against your use of third-party
+ AI
+ agents with Citi® Online and Citi Mobile® and your responsibility for the actions of third-party AI
+ agents
+ acting on your behalf.
+ IMPORTANT: TO ENROLL YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICE ELECTRONICALLY.
+ YOU
+ MUST
+ HAVE THE ABILITY TO RECEIVE AND RETAIN ELECTRONIC COMMUNICATIONS BEFORE YOU ACCEPT THE TERMS OF THIS USER
+ AGREEMENT
+ ("AGREEMENT"). THIS AGREEMENT SETS FORTH THE TERMS AND CONDITIONS UNDER WHICH YOU MAY UTILIZE THE VARIOUS
+ FEATURES OF
  THE SERVICE, AS MORE FULLY EXPLAINED BELOW. BY CLICKING THE "I AGREE" BUTTON BELOW, YOU CONSENT TO RECEIVE
- INFORMATION ELECTRONICALLY AND AGREE TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. WE RESERVE THE RIGHT
+ INFORMATION ELECTRONICALLY AND AGREE TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. WE RESERVE THE
+ RIGHT
  TO PROVIDE INFORMATION ABOUT THE SERVICE TO YOU BY NON-ELECTRONIC MEANS.
- IN THIS AGREEMENT, “Citi” means Citibank or CGMI, “Citibank” means Citibank, N.A., “CGMI” means Citigroup Global Markets Inc., “we”, “us”, and “our” mean Citi and "you" and "your" mean the Citi customer (including consumers, sole proprietors and
+ IN THIS AGREEMENT, “Citi” means Citibank or CGMI, “Citibank”
+ means
+ Citibank, N.A., “CGMI” means Citigroup Global Markets Inc., “we”, “us”, and “our” mean Citi and "you"
+ and
+ "your" mean the Citi customer (including consumers, sole proprietors and
  other eligible small businesses signers and users).
  A. What this User Agreement Covers.
- This User Agreement between you and Citibank governs the use of the electronic functions and services accessible through Citi Online or the
+ This User Agreement between you and Citibank governs the use of
+ the
+ electronic functions and services accessible through Citi Online or the
  Citi Mobile ® App. (“Citi Mobile”) that permits Citibank customers to access and perform
- transactions with their Citi accounts through the Internet using personal computers or similar access devices. Accounts and services
+ transactions with their Citi accounts through the Internet using personal computers or similar access
+ devices. Accounts and services
  provided by Citibank and CGMI which you access and transact upon through Citi Online or Citi
- Mobile are governed by separate agreements with you. Services provided through Citi Online and Citi Mobile ® App are
- subject to the terms and instructions (including online Help tools and similar content) appearing on screen when
+ Mobile are governed by separate agreements with you. Services provided through Citi Online and Citi
+ Mobile ® App are
+ subject to the terms and instructions (including online Help tools and similar content) appearing on
+ screen
+ when
  enrolling in or using a particular service and are considered part of this Agreement.
  B. Accepting the Agreement.
- You understand that by selecting I Agree below, you will agree to the terms and conditions of this Agreement and will
- use Citi Online and Citi Mobile ® App as provided in this Agreement. You agree that during such use Citibank or
+ You understand that by selecting I Agree below, you will agree
+ to
+ the terms and conditions of this Agreement and will
+ use Citi Online and Citi Mobile ® App as provided in this Agreement. You agree that during
+ such
+ use Citibank or
  CGMI may download certain information, including customer identification information, to
- your computer or other access device. By accepting this Agreement, you hereby authorize: (i) CGMI to provide account information to Citibank and, as applicable, accept instructions initiated by
- you through Citi Online or Citi Mobile ® App to conduct transaction in your linked account(s); and (ii) Citibank to
+ your computer or other access device. By accepting this Agreement, you hereby authorize: (i) CGMI to
+ provide
+ account information to Citibank and, as applicable, accept instructions initiated by
+ you through Citi Online or Citi Mobile ® App to conduct transaction in your linked account(s);
+ and
+ (ii) Citibank to
  request, receive and present information about your account(s) with CGMI that are linked to your
- Online User ID and, as applicable, transmit instructions initiated by you through Citi Online or Citi Mobile to the CGMI to conduct transactions with your linked accounts(s).
+ Online User ID and, as applicable, transmit instructions initiated by you through Citi Online or Citi
+ Mobile
+ to the CGMI to conduct transactions with your linked accounts(s).
  C. Maintaining Your Accounts.
- You agree to properly maintain any accounts you have with Citibank or CGMI, to comply with
- the rules and agreements governing these accounts, and to pay any fees associated with the use or maintenance of
- these accounts, including commissions you may incur in connection with securities transactions. You may be provided
- with access to your eligible business accounts through Citi Online and Citi Mobile ® App. If you elect to link your consumer and business accounts and use a common User ID and password for Citi Online
- and Citi Mobile to access such accounts, you may do so at your sole risk. Consistent with your obligations under
- applicable account agreements, you agree to maintain and use business accounts for business purposes only and not
+ You agree to properly maintain any accounts you have with
+ Citibank
+ or CGMI, to comply with
+ the rules and agreements governing these accounts, and to pay any fees associated with the use or
+ maintenance of
+ these accounts, including commissions you may incur in connection with securities transactions. You may
+ be
+ provided
+ with access to your eligible business accounts through Citi Online and Citi Mobile ® App. If
+ you
+ elect to link your consumer and business accounts and use a common User ID and password for Citi Online
+ and Citi Mobile to access such accounts, you may do so at your sole risk. Consistent with your
+ obligations
+ under
+ applicable account agreements, you agree to maintain and use business accounts for business purposes
+ only
+ and not
  for personal, family or household purposes.
  D. Services.
- The following are examples of what you can do using Citi Online and Citi Mobile ® App. Some services are subject to additional agreements which will be presented to you when enrolling in a particular service or using a feature.
+ The following are examples of what you can do using Citi Online
+ and
+ Citi Mobile ® App. Some services are subject to additional agreements which will be presented
+ to
+ you when enrolling in a particular service or using a feature.
  - Apply for or open
  additional accounts and services from Citibank and CGMI.
- - Get cash advances from Citi credit cards.
- - Borrow from eligible
+ - Get cash advances from Citi credit
+ cards.
+ -
+ Borrow from eligible
  Citibank loan accounts with funds transferred to checking, savings, insured money market accounts.
- - Transfer
+ -
+ Transfer
  funds between checking, savings, and insured money market accounts.
- - Transfer funds between your CGMI Investment Account* and your Citibank checking, savings or insured money market accounts.
+ - Transfer funds between your
+ CGMI
+ Investment Account* and your Citibank checking, savings or insured money market accounts.
  -
- Make transfer payments to eligible Citibank loan accounts with funds transferred from checking, savings and insured
+ Make transfer payments to eligible Citibank loan accounts with funds transferred from checking, savings
+ and
+ insured
  money market accounts.
- - Make transfer payments to Citibank credit cards with funds transferred from checking,
+ - Make transfer payments to Citibank credit cards with funds transferred from
+ checking,
  savings and insured money market accounts.
- - Initiate domestic and international wire transfers subject to
+ - Initiate domestic and international wire transfers
+ subject
+ to
  applicable limits.
  - Pay bills or send money to payees you designate from
  checking, and eligible Citibank loan products.
  - Request stop payment on your personal checks.
- - Get
- account information and/or statement update for checking, savings, insured money market accounts, eligible Citibank
+ -
+ Get
+ account information and/or statement update for checking, savings, insured money market accounts,
+ eligible
+ Citibank
  loan accounts, eligible investment accounts and Citi credit cards.
+ INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC (Federal Deposit Insurance Corporation) •
+ NOT INSURED BY THE FEDERAL GOVERNMENT OR
+ ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR
+ OTHER
+ OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK,
+ INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED
+ Investment products are offered through Citigroup Global Markets Inc. ("CGMI"), member SIPC . CGMI and Citibank, N.A. are affiliated companies under the common control of Citigroup Inc. Accounts carried by Pershing LLC, member FINRA , NYSE , SIPC .
+ E. Applying for Additional Accounts and
+ Services.
+ If you apply for an account or service through Citi Online or
+ Citi
+ Mobile ® App, or ask to change an account or service you
+ already use, you authorize Citibank and CGMI to treat your application or request as if it had
+ been made in writing and signed by you.
+ F. Transfers and Payments.
+ When you instruct Citibank to transfer funds or make a payment
+ from
+ your linked accounts through Citi Online or Citi Mobile ® App, you
+ authorize Citibank to withdraw the necessary funds from the Citibank account you designate. You agree
+ that
+ you will
+ instruct Citibank to make a withdrawal only when a sufficient balance is or will be available in your
+ designated
+ account at the time of withdrawal. Citibank will not be obligated to act on any transfer or payment
+ instruction from you if
+ sufficient funds, including those available through an overdraft line of credit account, are not
+ available
+ in the
+ account you designate.
+ Refer to the Payments and Transfers Addendum to this User
+ Agreement
+ for additional information.
+ For details on the types of payments and transfers you can make
+ through Citi Online and Citi Mobile as well as current policies and procedures for processing payments
+ and
+ transfers (including
+ limitations on frequency and dollar amount of transactions and cutoff times) refer to the Payments and
+ Transfers Addendum to this User Agreement content
+ within the Payment and Transfers Services section on Citi Online, and the terms and conditions of your
+ applicable account.
+ G. Online Credentials and
+ Authentication.
+ You can access Citi Online and Citi Mobile by logging in with a
+ self-selected User ID and password and using other available methods and procedures described in Section
+ I
+ of this User Agreement. You agree to keep your username, password, and any other security or access
+ information confidential to prevent unauthorized access to your account(s) and to prevent unauthorized
+ use
+ of your accounts. You agree not to give or make available your user name and password to any other
+ person.
+ If you believe the security of your password has been
+ compromised
+ in any way (for example, your password has been lost or stolen, someone has attempted to use Citi Online
+ or
+ Citi Mobile to access your accounts without your consent, your accounts have been accessed, or someone
+ has
+ transferred money from your account(s) without your permission), you must notify us immediately.
+ Citibank reserves the right to deny your access to any one or
+ more
+ account(s) through Citi Online and/or Citi Mobile, or to deny the processing of transactions, to
+ maintain or
+ restore security or performance to our systems.
+ H. Use of Third-party Artificial
+ Intelligence (“AI”) Agents.
+ These terms apply to your use of a third-party AI agent or
+ agentic
+ artificial intelligence to access your accounts or use digital services through Citi Online or Citi
+ Mobile.
+ “AI Agent” means software or other technology that takes autonomous, semi-autonomous, or non-autonomous
+ action on behalf of, or at the instruction of, You or any person or entity acting on your behalf.
+ You are cautioned against using any third-party AI Agent to
+ access
+ your accounts or use any digital services including, but not limited to, use of such agent to provide
+ any
+ information or instruction to Citi or perform any transaction through Citi Online or Citi Mobile. For
+ the
+ avoidance of doubt, these terms do not apply to your use of any third-party AI Agent, tool, function or
+ feature provided by Citi through Citi Online or Citi Mobile.
+ If you disregard this caution and provide your Online
+ Credentials to
+ any third-party AI Agent or otherwise permit such agent access to your accounts or allow such agent to
+ use
+ any digital service and to perform any transactions on your behalf, Citi will consider any access and
+ actions taken by the agent as authorized by You. If the Online Credentials that you provided to the
+ third-party AI Agent are further shared, leaked, or otherwise distributed to other persons or AI agents,
+ Citi will consider any access and actions taken with the Online Credentials as authorized by You. Citi
+ shall
+ have no responsibility or other obligation to investigate the authority or validity of any such actions
+ even
+ if the actions taken by the agent or other person or AI agent with your Online Credentials conflict with
+ any
+ prompts or other instructions provided by You or on your behalf to the agent (e.g., inaccuracies,
+ errors,
+ actions and omissions). You are responsible for any actions or errors that result from the third-party
+ AI
+ Agent’s incorrect interpretation or execution of your instructions, unintended actions performed by the
+ third-party AI Agent, or actions taken by the third-party AI Agent that exceed the authority granted by
+ you
+ except as otherwise permitted under applicable law. You agree it is your responsibility and not Citi’s
+ to
+ monitor the activities of the third-party AI Agent to ensure they are accurate, complete and within the
+ scope of the authority you provided. Citi reserves the right to limit, prevent, suspend or terminate
+ access
+ by any third-Party AI Agent at any time without notice. Additionally, you acknowledge that by permitting
+ a
+ third-party AI Agent access to your account(s) on Citi Online or Citi Mobile, you are authorizing Citi
+ to
+ disclose your information (including sensitive personal information) to the agent. Further, the Citi
+ Privacy
+ Notice does not apply to the third-party AI Agent and Citi does not control how the third-party AI Agent
+ collects, uses, stores, protects or shares your data.
+ I. Security Procedures.
+ Citi Online and Citi Mobile ® App have been designed
+ to
+ reduce the possibility of fraud by placing the selection
+ of a User ID, password, and biometric identification features available within certain mobile devices
+ ("Online Credentials”) under
+ your control so that your accounts may be accessed through Citi Online or Citi Mobile ® App
+ only
+ upon entry of your valid Online Credentials and provision of any additional user identification,
+ authorization code or other authentication information that may be requested by Citibank. You authorize
+ Citibank to treat any instruction made on Citi Online or Citi Mobile ® with your Online
+ Credentials as if the
+ instructions had been made in writing and signed by you. Unless there is substantial evidence to the
+ contrary,
+ Citibank records will be conclusive regarding any access to, or action taken through, Citi Online or
+ Citi
+ Mobile ® App with your Online Credentials.
+ You are responsible for maintaining the confidentiality of your Online Credentials and you will not
+ allow
+ any person
+ (including another Citibank customer or your employee) to use your Online Credentials. You agree to
+ inform
+ Citibank
+ promptly of any unauthorized access that you discover.
+ Citibank will consider any access to Citi Online or Citi
+ Mobile ® App through use of your Online Credentials to
+ be duly authorized, and Citibank will carry out any instruction given regardless of the identity of the
+ individual
+ who is actually accessing the website or your mobile app with your Online Credentials. When a request
+ for a
+ funds transfer (including a wire
+ transfer) is made online using your Online Credentials, Citibank will follow an additional security
+ procedure
+ established for the protection of your account that may entail a telephone call, authorization code or
+ other
+ contact with or from
+ you prior to acting upon your instructions. If you have downloaded the Citi Mobile ® App and
+ linked your Online Credentials to it, you must enable enhanced authentication on your app by using
+ either
+ the native biometric features on your mobile device or selecting a 6-Digit PIN. You agree that you will
+ be
+ required to sign on to your mobile app using one of these enhanced authentication methods when setting
+ up a
+ wire transfer, Citibank Global Transfer or Intra Citi Transfer on Citi Online or Citi Mobile ®
+ App
+ when prompted to by Citibank. You understand that by not using Citi Mobile ® App, you are
+ declining the use of this additional security procedure.
+ You acknowledge and agree that the use of these security
+ procedures
+ are commercially reasonable and
+ appropriate for you. You understand that the security procedures are intended to verify the funds
+ transfer
+ request has
+ been properly authorized and is not intended to detect errors in the content of your instructions. If a
+ beneficiary
+ of the funds transfer is identified by name and account number, the beneficiary’s bank may pay the funds
+ to
+ the
+ person identified by the account number, and your funds transfer may be final even if the account number
+ provided
+ does not correspond to the named beneficiary.
+ You agree to be bound by any funds transfer request Citibank
+ receives
+ and verifies in accordance with these security procedures.
+ You agree to these security procedures, and acknowledge that if contacted, either by telephone or
+ electronically,
+ you will act or respond in compliance with requests resulting from these security procedures and will be
+ bound by
+ any resulting transfer or decision not to act upon your instructions or to deny access to persons
+ purporting
+ to be
+ you.
+ J. Additional Terms Applicable to
+ Business
+ Accounts.
+ You represent that each individual who has been granted access
+ to
+ Citi Online or Citi Mobile ® App has general authority
+ from your business to give instructions to Citibank with respect to your linked account upon entry of
+ your
+ Online
+ Credentials (including general authority over the movement of your funds and over accounts with
+ Citibank)
+ and that
+ Citibank has full authorization from your business to rely and act upon instructions from the individual
+ identified
+ by such Online Credentials. You accept responsibility for unauthorized access to Citi Online or Citi
+ Mobile ® App with
+ your Online Credentials by your employees and associates or by third parties. In the event of any
+ conflict
+ between
+ the authority of an individual (including the entitlement to initiate and approve financial transactions
+ on
+ behalf
+ of your business) as evidenced in an account agreement, banking resolution, power of attorney or other
+ means
+ and
+ that granted through this Agreement (including additional service agreements), the terms of this
+ Agreement
+ shall
+ have precedence.
+ K. Fees.
+ There are currently no monthly service charges or transaction
+ fees
+ for using Citi Online or Citi Mobile ® App. However, you are
+ responsible for all account related monthly service charges and transaction fees described in the
+ applicable
+ agreements governing your accounts. You are also responsible for all telephone charges incurred in
+ connecting to Citi Online or Citi Mobile ® App and charges by any Internet Service Provider.
+ L. Changes in Terms/Fees.
+ Citibank may change online services and the terms, including
+ fees,
+ set forth in this Agreement or disclosed to you
+ separately at any time. You will be notified of any such change as required by applicable law, either by
+ mail or by
+ an electronic message. You understand that by using Citi Online or Citi Mobile ® App after a
+ change becomes effective, you
+ have agreed to it.
+ M. Cancellation.
+ This agreement will remain in effect until it is terminated by
+ you
+ or Citibank. You understand that termination of
+ this Agreement will also cancel any services you obtain from Other Information Providers but will not
+ terminate your
+ accounts with CGMI. Citibank may cancel this Agreement and terminate your use of Citi Online
+ or Citi Mobile ® App for any reason, at any time. We will try to notify you in advance, but we
+ are
+ not obliged to do so.
+ N. Limitation of Liability.
+ Citibank agrees to make reasonable efforts to ensure full
+ performance of Citi Online and Citi Mobile ® App. Citibank and
+ CGMI will be responsible for acting only on those instructions sent through any messaging
+ feature which are actually received and cannot assume responsibility for malfunctions in communication
+ facilities
+ not under their control that may affect the accuracy or timeliness of messages you send. Neither
+ Citibank
+ nor any
+ Other Citigroup Affiliate is responsible for any losses or delays in transmission of instructions
+ arising
+ out of the
+ use of any internet service provider or caused by any browser software. Neither Citibank nor CGMI is
+ responsible should you give incorrect instructions or if your payment instructions are not given
+ sufficiently in advance to allow for timely payment or delays in mail service.
+ Any information you receive from Citibank and CGMI is believed
+ to be
+ reliable. However, it can only be provided on a best efforts basis for your convenience and is not
+ guaranteed.
+ Neither Citibank, nor CGMI is liable for any deficiencies in
+ the accuracy, completeness, availability or timeliness of such information or for any investment or
+ other
+ decision
+ made using this information.
+ Citibank and CGMI are not responsible for any computer
+ virus or related problems which may be attributable to services provided by any internet service
+ provider.
+ Except as otherwise provided in the "Citibank's Responsibility
+ to
+ You " provision of Section S of this User Agreement and
+ in the absence of gross negligence or willful misconduct on the part of Citibank or CGMI:
+ (a) Neither Citibank nor CGMI
+ is responsible for any direct, indirect, special, incidental or consequential damages arising in any way
+ out
+ of the
+ use of Citi Online; (b) the entire liability of Citibank, CGMI and their affiliates and your exclusive
+ remedy with respect to the use of Citi Online shall be the
+ replacement of any browser or other software provided by Citibank to use with Citi.com found to be
+ defective.
+ Because some states do not allow the exclusion or limitation of liability for consequential or
+ incidental
+ damages,
+ in such states the liability of Citibank, CGMI and their affiliates is limited to the extent permitted
+ by
+ law.
+ NEITHER CITIBANK NOR ANY OTHER CITIGROUP AFFILIATE MAKES
+ ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING CITI ONLINE SOFTWARE OR SERVICES OR BROWSER INCLUDING, BUT
+ NOT
+ LIMITED
+ TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD
+ PARTY
+ PROPRIETARY RIGHTS UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.
+ O. No Other Use.
+ Citi Online and Citi Mobile ® App provide access to
+ services and information from Citibank, CGMI and
+ their service providers, which may be presented with a distinctive "look and feel." These services,
+ information
+ and "look and feel" are proprietary to Citibank, CGMI and their service providers.
+ You may use Citi Online and Citi Mobile only for your personal use and may not reproduce, sell or
+ distribute all or any portion of the information provided to you through by Citi Online or Citi
+ Mobile ® App.
+ P. Customer Service.
+ If you need assistance with Citi Online or Citi Mobile,
+ telephone
+ CitiPhone Banking ® at
+ (1-800-374-9700 or 1-800-788-0002 for TTY: We accept 711 or other Relay Service) or write:
+ U.S. Service Center
+ Citi Inquiries
+ 100 Citibank
+ Drive
+ P.O.
+ Box 769004
+ San Antonio, TX 78245-9989
+ You agree that we may record the conversations our employees
+ have
+ with you. We do this from time to time to monitor
+ the quality of service and accuracy of information our employees give you, and to ensure that your
+ instructions are
+ followed.
+ Q. Electronic Messages.
+ Because normal Internet e-mail transmissions may not be secure,
+ you
+ agree to contact us electronically only by using
+ the secure message facility available at Citi Online. You also agree to receive communications regarding
+ your
+ account electronically and will not attempt to circumvent receiving any messages. You are deemed to have
+ received
+ any electronic messages sent to you when they are made available to you. You may print a copy of such
+ communications
+ using the "print" function of your software, or you may request that Citibank mail you a paper copy of
+ such
+ communication by contacting Customer Service as provided in Section P.
+ R. Severability.
+ In the event any one or more of the provisions of this Agreement
+ shall for any reason be held to be invalid, illegal
+ or unenforceable, the remaining provisions shall remain valid and enforceable.
+ S. Our Responsibility to You.
+ If we do not complete a transfer to or from your account on time
+ or
+ in the correct amount according to our agreement
+ with you, we will be liable for your losses or damages. However, there are some exceptions. We will not
+ be
+ liable,
+ for instance:
+ If, through no fault of ours, you did not have enough money in your account to make the transfer.
+ If the transfer would have caused you to exceed your available credit.
+ If the automated teller machine where you are making the transfer did not have enough cash.
+ If you knew the Citibank proprietary ATM, network cash machine or POS outlet terminal was out of
+ order
+ and you
+ used it anyway.
+ If circumstances beyond our control, or natural disasters such as fire or flood, prevented the
+ transfer,
+ despite
+ reasonable precautions taken by us.
+ There are other exceptions stated in our agreement with you, such as:
+ if we fail to stop payment on an automatic recurring transfer as you requested, but we did
+ not
+ receive
+ your stop payment instructions at least three business days before the transfer was
+ scheduled to
+ be
+ made, or
+ if, through no fault of ours, the money in your account was attached, subject to legal
+ process
+ or was
+ blocked in some other way, or
+ if you are trying to defraud us.
+ I HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND
+ BY
+ ALL OF ITS TERMS AND CONDITIONS.
+ Agreement to Terms and Conditions of User Agreement
+ Information Provided Electronically. In order to use the
+ services
+ provided through Citi Online and Citi Mobile, you must consent electronically to
+ receive and accept the terms and conditions of the User Agreement presented above, and any amendments to
+ it.
+ You may
+ withdraw your consent to having this information provided to you electronically by going to
+ www.citibankonline.com
+ or www.citi.com and deleting yourself as a registered user. Withdrawing your consent in this manner will
+ not
+ prevent
+ you from re-enrolling for these services.
+ Required Equipment. In order to use the service and to view and
+ retain a copy of the terms and conditions contained
+ in the User Agreement, you must have a computer equipped with at least: a browser with 128-bit
+ encryption;
+ and
+ either a printer or a disk drive or other storage device. You can also obtain a copy of the User
+ Agreement
+ by
+ calling 1-800-374-9700.
+ Consent by Customer and Agreement to Terms and Conditions. By
+ Clicking "I Agree" below, you acknowledge and agree:
+ (1) you have software and equipment that satisfies the above requirements; and (2) to receive
+ electronically
+ information about the Citi Online services, including the User Agreement and any subsequent amendments
+ to
+ them and
+ (3) you have obtained, read and understand an electronic copy of the User Agreement and agree to be
+ bound by
+ all the
+ terms and conditions contained therein.
+ Payments and
+ Transfers
+ Addendum to Citi Online User Agreement
+ A. Inter-Institution Transfers ("IIT").
+ You can transfer funds between your eligible linked Citibank
+ personal deposit accounts and eligible linked
+ CGMI personal investment accounts and certain deposit or investment accounts (checking,
+ savings, or money market accounts) you hold with other financial institutions through the Automated
+ Clearinghouse ("ACH") Network using the IIT Service. IIT transfers are described in and subject to the
+ Terms
+ and Conditions for Inter-Institution Transfers.
+ B. Linked Account (Internal) Transfers.
+ I. General Terms
+ Linked Account Transfers can be used to move available funds
+ between
+ the eligible Citi accounts linked to
+ your online profile. When you instruct Citi to transfer funds between your linked accounts, you
+ authorize
+ Citi to withdraw the necessary funds from the Citi account you designate. You agree that you will
+ request a transfer only when you have a sufficient available balance in your designated account at the
+ time
+ of
+ transfer.
+ II. Timing, Scheduling and Limits
+ We reserve the right to impose a frequency or dollar limit on
+ transfers, or to refuse to make any transfer
+ between certain accounts. All transfers are subject to limits and other restrictions in your applicable
+ account
+ agreements and as further described below and within information provided to you when setting up a
+ transfer
+ request.
+ III. Transfers between eligible deposit accounts.
+ Transfers between your eligible deposit accounts will be
+ processed
+ immediately and the funds will be
+ available in the account being credited. Future dated transfers (including recurring transfers) will be
+ deducted
+ from your account on the transfer date.
+ IV. Transfers to and from unsecured credit
+ accounts.
+ Transfers from your Citi consumer credit card or to or from your
+ Checking Plus ® Overdraft line of credit
+ account will be processed immediately and available. The minimum or maximum you will be able to withdraw
+ via transfers is subject to the terms of your applicable existing credit agreement. Future dated and
+ recurring
+ transfers cannot be made to Checking Plus accounts.
+ V. Transfers to and from Brokerage Accounts.
+ Transfers can be made between eligible Citibank deposit accounts
+ and
+ eligible brokerage accounts you hold
+ with CGMI through Citi Personal Wealth Management ("CPWM").
+ When instructions are received by us at or before the
+ established
+ cutoff time, funds will be posted to, and
+ viewable in, the receiving account on the day the instruction was made. When instructions are received
+ after
+ the cutoff time, funds will be posted to, and viewable in, receiving account on the next Business Day
+ following
+ the day the Instruction was made. For more information about transfers involving your brokerage account,
+ including when funds will be available for trading, please refer to the terms of your CPWM Account.
+ C. Online Bill Payment.
+ I. General Terms
+ Online Bill Payment can be used to pay a merchant bill or an
+ individual person (domestic payees only). Most
+ payments to merchants are processed as an electronic funds transfer but Citibank reserves the right to
+ send
+ a
+ Citibank Official Check; payments to individual persons are made by Citibank Official Check. Citibank is
+ not
+ responsible for postal delays or processing delays by the payee. When you instruct Citibank to make an
+ online
+ bill payment, you authorize Citibank to withdraw the necessary funds from your Citibank account. You
+ agree
+ that you will instruct Citibank to make a payment only when a sufficient balance is or will be available
+ in
+ your
+ account on the day you have scheduled your bill payment. Citibank will not process your bill payment if
+ sufficient funds, including those available through an overdraft line of credit account, are not
+ available.
+ If there are insufficient funds available in your designated
+ account
+ on the day a bill payment is scheduled to be
+ made, Citibank will automatically try to complete it on the next two consecutive calendar days except
+ for
+ July 4, Thanksgiving Day, Christmas Day. If there are still insufficient funds on the third
+ try, Citibank will cancel the bill payment and notify you.
+ You should not use Online Bill Payment to pay payees to whom you
+ are
+ obligated for tax payments, payments
+ made pursuant to court orders (including court-ordered amounts for alimony or child support), fines,
+ payments
+ to loan sharks, gambling debts or payments otherwise prohibited by law.
+ II. Timing, Scheduling and Limits
+ Bill payments made as electronic funds transfer are processed
+ each
+ calendar day except
+ for July 4, Thanksgiving Day and Christmas Day. Bill payments made by Official Check are mailed on
+ Business
+ Days only via USPS First-Class Mail. If the payment is made by Official Check, you should allow at least
+ 7
+ business days for the payee to receive payment. Please note that checks are mailed without a postmark,
+ as
+ Citibank uses pre-printed envelopes with postal permit numbers for mailing. In addition, please be aware
+ that
+ many payees including the IRS and other government agencies do not accept electronic payments initiated
+ from online banking websites.
+ It is your responsibility to set up and schedule bill payments
+ with
+ sufficient time for your payee to receive your
+ payment on a timely basis. You understand and agree that Citibank reserves the right to impose a
+ frequency
+ or
+ dollar limit on payment requests or to refuse to make any payment you have requested.
+ There are limits on the amount of money you can send or receive
+ through Online Bill Payment as disclosed
+ in your applicable account agreement.
+ III. Changing or Stopping Payments
+ You can stop or change any scheduled bill payment, if you: (1)
+ do so
+ within the same Bill Pay secure online
+ session or by calling the number on the back of your Citibank Banking Card, and (2) have submitted your
+ request in time to provide us a reasonable opportunity to act on it before we process your request. Stop
+ payment requests are not guaranteed.
+ D. Wire and Other Online Funds Transfers.
+ You can make funds transfers to beneficiaries with Citibank
+ accounts
+ by Intra Citi Transfer and Citibank
+ Global Transfers or to beneficiaries with external accounts by wire transfer. These services are
+ described
+ in
+ and subject to the Agreement for Online Funds Transfers.
+ E. Real Time Payments.
+ You can make payments to other persons and select businesses
+ using
+ the Real Time Payment ("RTP")
+ Network. Citi refers to these payments as Instant Payments. These services are described in and subject
+ to
+ the Instant Payment Terms and Conditions.
+ F. Zelle ® .
+ You can send, request, and receive money from most other persons
+ with a U.S. bank account using Zelle.
+ THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND
+ OTHERS
+ YOU TRUST. YOU
+ SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT
+ FAMILIAR OR YOU DO NOT TRUST.
+ Your use of Zelle with your Citibank account is described in and
+ subject to the Citibank with Zelle Terms and
+ Conditions.
+ Zelle and the Zelle related marks are wholly owned by Early
+ Warning
+ Services, LLC and are used herein under
+ license.
  INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR
  ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER
  …

  …
  Select a page
  Terms of Service
+ Customer Terms of Service update
+ We are updating our Customer Terms of Service, effective December 10, 2026. You can consult the new version .
  Customer terms of service
  Updated August 25, 2025
  …
  Sa
  Close calendar
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