Citibank, N.A.

Citibank is the US retail banking arm of Citigroup Inc., one of the largest global financial institutions. It is headquartered in New York City and provides banking, lending, and card products to individual consumers and businesses. While Citigroup operates in many countries, Citibank's US retail branch presence is more concentrated than some of its large-bank peers, with most branches located in a handful of major metropolitan markets.

For personal customers, Citibank commonly offers checking and savings accounts, credit cards, personal loans, mortgages, and auto loans. The bank also provides investment and wealth management services. Its credit card business is particularly well known, with a range of products including travel rewards cards, cash-back cards, and co-branded cards.

Because Citibank operates fewer retail branches than some competitors, it relies more heavily on online and mobile banking for day-to-day customer interactions. Its mobile app allows customers to manage accounts, pay bills, transfer money, and access customer support. Customers in markets without a local Citi branch can access many services digitally or by phone.

For home buyers, Citi mortgage products include conventional loans and jumbo loans. Personal loan products are available through Citi Personal Loans. Applicants should check whether specific products are available in their state, as availability can vary.

Citibank also offers a range of premium and rewards credit cards that are frequently cited for their travel and cash-back benefits. Like all credit cards, these carry interest charges on any unpaid balance carried from month to month.

Citibank is regulated by the Office of the Comptroller of the Currency and deposits are insured by the FDIC up to applicable limits. Rates, eligibility, and product availability vary by individual circumstances and location.