CITIBANK N.A.

Citibank, N.A. is the primary banking subsidiary of Citigroup Inc., operating as a national bank regulated by the Office of the Comptroller of the Currency, with deposits insured by the FDIC up to applicable limits. The bank offers consumer and small-business deposit accounts (checking, savings, and certificates of deposit), credit cards, personal lending, and wealth-management services, alongside treasury and cash-management capabilities for larger clients through affiliated units. Its U.S. retail branch footprint is concentrated in a limited number of major metropolitan areas, with broader access provided through online and mobile banking; customers can use Citi-branded ATMs and may incur fees at out-of-network machines unless waived by account tier. Digital services include bill pay, mobile check deposit, Zelle transfers, alerts, and card controls, and accounts commonly carry monthly service fees that can be waived based on balance, direct deposit, or other qualifying activities; pricing, APYs, and waiver criteria vary by market and relationship level. Relationship tiers such as Citi Priority and Citigold link benefits to combined balances, which can include dedicated servicing and certain fee waivers. The bank supports domestic and international wire transfers and foreign currency services for eligible clients. Citibank, N.A. and affiliates have been subject to regulatory enforcement actions in recent years addressing risk management and consumer compliance, with remediation programs underway. Account availability, product features, and terms are subject to change; prospective customers should review current disclosures before opening or maintaining accounts.