Citigold is an account status given to individuals who maintain a combined balance of more than $100K. They count checking account balances, investments, IRAs etc towards the total. Citigold gives you a gold ATM card, special 1-800 service desk, waives/reduces most banks fees and comes with a few other goodies. It is sort of like having elite airline status at the bank. Here are the official details:


No annual fee for the:- Premium Citibank® / AAdvantage® Debit Card (a $65 value)1
- Citi® Platinum Select® / AAdvantage® World MasterCard® (an $85 value) and/or a personal Diners Club® Card (a $95 value)2

• Preferred rates on:- Checking Plus® (variable rate) overdraft protection
- Foreign currency transactions

• Free online banking with bill pay, e-mail & wireless banking alerts, online bank statements3
• Complimentary membership to Women & Co.® a Citigroup program that offers access to financial education and consultative resources.4
• Unlimited check-writing for free, regardless of your combined average balance
• Waived fees on stop payment requests, official checks, money orders, incoming wires (plus a 50% discount on outgoing online wires using Citibank® Online) and foreign currency transactions
• A dedicated Customer Service number available 24/7 (1-800-756-1200)
In addition you may also add:
• A Citicorp Investment Services Brokerage account. A Financial Executive5 is dedicated to helping you select investments to help meet your financial goals with a variety of investment choices.6- Preferred rates on Margin Lending available through Citicorp Investment Services if you link a CitiCorp Investment Services Brokerage Account
- Preferred rates on First Mortgages - plus priority processing of home equity applications7
- Online investing and online investing tools, like Smith Barney Citigroup research
- Consolidated monthly statement including investment gain/loss reporting and linked Citi credit card and mortgage balance summaries

What It Costs • An initial deposit of $500 is required to open the account.
• To avoid a $25 monthly service fee, within 6 months of opening a CitiGold account you need to maintain a combined household average balance of:- $100,000 or more in eligible deposits, credit balances, investments and retirement accounts,
or,
- $250,000 if you also include a first mortgage from Citibank.