Citibank-Checking Plus (variable rate)
Dec 9th, 2008 | By admin | Category: Banking, CitibankFind 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.
citibank.com
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