Citi Elevate checking account has zero ATM fees and up to 1% interest - Business Insider

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Citi just stepped up its battle for digital customers by launching a checking account with unlimited free ATM fees and up to 1% interest — a rate that far exceeds big-bank rivals

to boost growth by corralling new digital-banking customers outside the firm's comparatively small brick-and-mortar footprint.

These efforts helped Citi reap $4.7 billion in digital deposits through October this year, including $2 billion in the third quarter alone. That's up from just $1.1 billion in digital deposits in all of 2018. to offer checking account services via the Google Pay app, another potential source of digital deposit growth.

"It feels consistent with the general trend of Citi and others wanting to grow their wealth-management businesses and attract wealthier clients," Schorr said. Such perks could conceivably put a dent in the division's income in the event of an enthusiastic customer embrace, though Citi has hedged its bets.

 

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