Citibank-Checking Plus (variable rate)

Dec 9th, 2008 | By admin | Category: Banking, Citibank

Find out in minutes if you’re approved

Checking Plus® is a revolving line of credit you can use whenever you need cash. And it’s linked to checking, so it also provides overdraft protection.

What you get

Protection

  • Checking Plus® automatically transfers funds from your credit line to your checking account to cover your banking transactions—no more bounced checks1.

Flexibility

  • You can borrow funds from your Checking Plus line of credit directly OR
  • Transfer funds from Checking Plus to any linked account, such as checking, savings or a money market.

Rewards

  • ThankYou® Points every month if you have Checking Plus and at least two other qualifying Citibank products or services.2

How it works

  • Checking Plus® transfers the amount needed to cover your overdraft plus any fees3. The amount transferred is rounded up to the nearest $100, so you have extra protection if other overdrafts occur.
  • If you don’t need the extra coverage, just transfer the funds from checking back to your Checking Plus line.
  • To apply online, you need a checking account, which you can open at the same time you apply for Checking Plus.
  • Find out in minutes if your credit line is approved. If it is, your line will be available in 3-4 business days.
  • Request up to $10,000 when applying online ($25,000 if applying by phone or at a Financial Center).
  • Your minimum Checking Plus payment is automatically deducted each month from your checking account.

Competitive rates4

  • 17.00% variable APR in NY
  • 16.50% variable APR in all other states

Did you know…

  • You can avoid overdrafts by setting up alerts that notify you—by cell phone or e-mail—when your balance gets low.
  • If you have a savings or money market account, another option for overdraft protection is Safety Check.
  • Checking Plus contributes to the combined average balance required to avoid monthly banking fees.

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