Citibank ITIN Account 2026: Open Checking in 6 States with ITIN

What Is Citibank and Why Do ITIN Holders Choose It?

Citibank is a division of Citigroup, the 4th largest bank in the United States with $2.4 trillion in total assets. ITIN holders choose Citibank for its $0/mo Access Checking tier, global ATM network spanning 19 countries, and the Citi Secured Mastercard for credit building.

Citibank by the Numbers

• $2.4 trillion in total assets (4th largest US bank)
• 650+ branches across 6 US states
• 65,000+ fee-free ATMs (US network)
• ATMs in 19 countries worldwide
• $0/mo Citi Access Checking (no minimum)
• $12/mo Citi Basic Checking (waivable)
• $25/mo Citi Priority Checking (waivable at $30K)
• $250,000 FDIC insurance per depositor

Citibank's key advantage for ITIN holders is its global presence. With ATMs in 19 countries, ITIN holders who travel between the US and their home country can access funds without switching banks. Citi Priority account holders use international Citibank ATMs with $0 fees, making Citibank the most internationally connected option among major US banks.

Does Citibank Accept ITIN Holders for Checking Accounts?

Yes. Citibank accepts ITIN holders for personal checking, savings, and CD accounts. You must open your account in person at a Citibank branch located in one of 6 states.

Available States

Citibank branches are located in 6 states: New York (largest concentration with 200+ branches), New Jersey, Connecticut, California, Illinois, and Florida. If you do not live in one of these states, consider Chase Bank (48 states) or Wells Fargo (36 states) as alternatives.

Three Account Tiers

Citi Access Checking costs $0/mo with no minimum balance and includes a debit card, mobile banking, and Zelle. Citi Basic Checking costs $12/mo (waivable with $1,500 balance or direct deposit) and adds check-writing. Citi Priority costs $25/mo (waivable at $30,000 combined balance) and includes free international ATM usage, free wire transfers, and a dedicated phone line. ITIN holders have access to all 3 tiers.

What Documents Do You Need to Open Citibank with an ITIN?

3 documents are required to open a Citibank account with an ITIN. Have all originals ready before visiting a branch.

• ITIN letter (CP565 or CP565B): Your original IRS letter confirming your ITIN assignment. If your ITIN has expired, you need to renew your ITIN before opening an account. ITIN expiration occurs after 3 consecutive years of non-use on a federal tax return.
• Valid passport: Your current, unexpired passport from your home country. Citibank uses this as your primary photo identification. Some branches also accept a consular ID as secondary identification.
• Proof of US address: A utility bill, bank statement, lease agreement, or government correspondence dated within the last 60 days. Your address must be in a state where Citibank operates (NY, NJ, CT, CA, IL, FL).

How Do You Open a Citibank Account with an ITIN?

The process takes 5 steps and approximately 30 to 45 minutes at a Citibank branch.

1. Find a Citibank branch in your state. Use the branch locator at citibank.com/locations. Citibank operates in New York, New Jersey, Connecticut, California, Illinois, and Florida. Most branches are open Monday to Friday 9 AM to 5 PM with Saturday hours at select locations.
2. Bring your 3 required documents. ITIN letter (CP565), valid passport, and proof of US address dated within 60 days. Bring originals only.
3. Meet with a Citibank relationship banker. Tell the banker you want to open a checking account using your ITIN. The banker will verify your documents and enter your ITIN as your tax identification number.
4. Choose your account tier. Select Citi Access ($0/mo), Basic ($12/mo waivable), or Priority ($25/mo waivable at $30K). Access Checking is best for most ITIN holders.
5. Fund your account and receive your debit card. Make an initial deposit. Citibank issues a temporary debit card at the branch. Your permanent Visa/Mastercard debit card arrives within 7 to 10 business days.

What Features Does Citibank Offer ITIN Account Holders?

Citibank provides ITIN holders with 6 key features that distinguish it from other major banks.

Global ATM Network (19 Countries)

Citibank operates ATMs in 19 countries including Mexico, India, UK, Singapore, Hong Kong, Australia, and more. Citi Priority account holders use international Citibank ATMs with $0 fees. This is the best international ATM access among any US bank accepting ITIN holders.

Citi Access Checking ($0 Monthly Fee)

Citi Access Checking charges $0/mo with no minimum balance. No fee waiver conditions required. Includes a debit card, mobile banking, Zelle, and online bill pay. One of only 2 major banks (alongside Capital One) to offer a truly $0 checking account to ITIN holders.

Citi Priority Benefits

Citi Priority ($25/mo, waivable at $30,000 combined balance) includes free international ATM withdrawals, free incoming and outgoing domestic wire transfers, a dedicated priority phone line, and preferred rates on CDs and savings. ITIN holders with $30,000+ in combined Citi accounts should choose Priority for the fee waivers and premium benefits.

Citi Mobile App

The Citi Mobile app supports mobile check deposit, bill pay, Zelle, account transfers, and spending summaries. Rated 4.7 stars on the App Store. ITIN holders get full app access including fingerprint and Face ID login, card controls, and instant transaction alerts.

Citigold Wealth Management

ITIN holders with $200,000+ in combined Citi accounts can access Citigold, which provides a dedicated wealth advisor, preferential lending rates, and global airport lounge access. This tier is relevant for high-net-worth non-resident ITIN holders with significant US assets.

Citi Secured Mastercard

The Citi Secured Mastercard accepts ITIN holders with a $200 minimum deposit and a credit limit equal to your deposit (up to $2,500). No annual fee. Reports to all 3 credit bureaus. Available to apply at the same branch visit as your checking account opening. See more options in our ITIN credit card guide.

What Does Citibank Cost for ITIN Holders?

Citibank charges identical fees to ITIN and SSN holders. Here is the complete fee schedule as of April 2026.

How Does Citibank Compare to Chase and Bank of America for ITIN Holders?

All three banks accept ITINs for personal checking. The key difference is geographic availability and international features.

For detailed comparisons, see our Chase Bank ITIN guide and Bank of America ITIN guide. For all options, visit our ITIN bank account guide.

Who Should Use Citibank with an ITIN?

Citibank is the best fit for 4 types of ITIN holders.

ITIN Holders Who Travel Internationally

Citibank's global ATM network across 19 countries is unmatched among US banks. ITIN holders who regularly travel between the US and countries like Mexico, India, Singapore, or the UK can access their funds globally without paying ATM fees (with Citi Priority).

ITIN Holders in New York City

Citibank has its largest branch concentration in New York City and the surrounding metro area. NYC-based ITIN holders benefit from convenient branch access, extensive ATM coverage, and Citi Access Checking at $0/mo.

High-Balance ITIN Holders

ITIN holders with $30,000+ in combined balances should consider Citi Priority for free wire transfers, free international ATMs, and preferred rates. Those with $200,000+ qualify for Citigold with a dedicated wealth advisor.

ITIN Holders Who Want $0 Monthly Fees

Citi Access Checking charges $0/mo with no conditions, no minimums, and no hoops to jump through. For ITIN holders in Citibank's 6-state footprint who want truly free checking, Citi Access is the simplest option alongside Capital One 360.