It pays to pay your bills online

The Ultimate Money Account offers a 2.50% Annual Percentage Yield when you use our FREE Online Bill Payment service.

This offer is not available at Citibank Financial Centers.

¹ The APY, also called the Rate, is accurate as of 12/8/2008 and is subject to change without notice. Two Rates can be applied to the balance in your Ultimate Money Account. The account earns a Rate that is not determined by the balance in your account or your other accounts at Citibank. To qualify for the higher Rate, you must make at least two electronic bill payments, through Citibank^® Online, Citi Mobile^SM, or Citiphone Banking^®, from your linked checking account during the calendar month preceding the statement cycle date. To provide faster service, requests to pay down your linked Citi line of credit, loan, or credit card are processed as transfers, and do not count toward the bill payment requirement. Also, authorized deductions from your checking account by a third party do not qualify as online bill payments. If the bill payment requirement is not met, a lower Rate (currently 1.77% APY) will be applied for that statement cycle. The Rate may change after the account is opened. Fees may reduce earnings. Deposits are subject to Citibank’s standard funds availability schedule.

² To qualify for free Citibank EZ Checking, you must apply online at citibank.com or by phone for both a new Ultimate Money Account and a regular checking account in the EZ Checking package by 12/31/08. Your relationship package will then be free of monthly maintenance charges and per-check fees. Charges for other account-related services may apply. Regular checking accounts do not earn interest. Offer is only available for first-time Citibank deposit (checking or savings account) customers. Persons who currently have or at any time have had a deposit account at Citibank (or any of its predecessor banks) are not eligible.

³ Separate enrollment in ThankYou^® Network required; eligibility, qualifying products and services and point accrual subject to terms and conditions.

⁴ You must apply online at citibank.com or by phone to open a Citibank^® Ultimate Money Account and link it to a checking account you have or open in one of the following qualifying relationship packages: Citibank^® EZ Checking, Citibank Account, Citibank Everything Counts^®, or Citigold^® Account. Your Citibank Ultimate Money Account must also appear on the same statement as your checking account. Applicant must be a citizen or resident alien of the United States (U.S.) who is at least 18 years old with a valid U.S. taxpayer identification number. All accounts are subject to approval.

Terms and conditions related to this account are available in the Client Agreement.