Last edit by: garykung
CitiGold is Citi's premium banking relationship. To remain a Citigold client, maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts. There is no monthly service fee for accounts in The Citigold Account Package.
Be aware that Citi Wealth Management will not allow any trading of non traditional stocks and ETFs. No leveraged ETFs, no inverse ETFs. Its brokerage service is similar to Chase YouInvest. It is just basic investment service.
1. Click HERE to read a separate thread discussing expiration of ThankYou Points when closing a Citigold account.
2. Citi has introduced Citi Priority with a minimum combined balance of $50K as of November 6, 2016. Those who were no longer qualified under the new Citigold requirement has been downgraded to Citi Priority. Discussion HERE.
Be aware that Citi Wealth Management will not allow any trading of non traditional stocks and ETFs. No leveraged ETFs, no inverse ETFs. Its brokerage service is similar to Chase YouInvest. It is just basic investment service.
1. Click HERE to read a separate thread discussing expiration of ThankYou Points when closing a Citigold account.
2. Citi has introduced Citi Priority with a minimum combined balance of $50K as of November 6, 2016. Those who were no longer qualified under the new Citigold requirement has been downgraded to Citi Priority. Discussion HERE.
Benefits of a Citigold account? [consolidated]
#751
Join Date: Apr 2000
Location: HNL,HI,USA
Posts: 256
Did you have to call in to open an account? I poked around the Citi site, and although they mention self-directed investing, I can't find any way to open a self-directed investment account online. I am hesitant to call as I don't want an Advisor-based account.
#752
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,937
For years I have had my AA $95 fee waived for the 2 cards that I had (Amex no longer available). I no longer hold Gold, downgraded to Priority, and just got $95 fee, so that is the end for me.
#753
Join Date: Feb 2013
Posts: 30
I walked into a branch and they set me up. Actually, I was there for some reason or another, got to talking with a personal banker, and she set me up. my account is totally self-directed.
#754
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
FWIW - that is different from Citi Prestige.
#755
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat Pro, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,008
That's really interesting. I too have had my $95 AA card waived for years as gold. Was downgraded to Priority as well - no annual fee has hit as of yet. If it does I'll have to consider cancelling the card. But I may keep it.
#756
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,937
#757
Join Date: Apr 2009
Location: SoCal (ONT), PVD/BOS, JAX, RSW
Programs: AA/US PlatPro & 1.05MM, DL Plat (challenge), UA dirt
Posts: 3,185
I had gone in today to a branch to complete opening my account package (finally US Trust transferred my holdings after 5 months ) and I was interested in setting up a self-directed account so that I could consolidate my MerrillEdge, Wells Fargo Advisors and E*Trade accounts into one place. However, the banker informed me that I need to go through my Private Bank rep to set that up. In fact, she mentioned to me that if I wanted to open another savings account, I would have to go through them as well.
Also, just to confirm, the Citigold Savings account and the Citigold MMA are the same thing? Because I thought I had opened a money market account, but when I went in to complete the paperwork, it showed Citigold Savings account.
#758
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
No. IIRC - all Citibank bankers have Series 7. But only designated CPWM personnel can set that up.
It could be segmentation. But I doubt that is the case.
I believe the banker is simply lazy.
They are not the same.
In theory, MMA comes with check-writing capacity but not for saving.
IIRC - Citibank's MMA does come with checks.
I believe the banker is simply lazy.
In theory, MMA comes with check-writing capacity but not for saving.
IIRC - Citibank's MMA does come with checks.
#759
Join Date: Apr 2009
Location: SoCal (ONT), PVD/BOS, JAX, RSW
Programs: AA/US PlatPro & 1.05MM, DL Plat (challenge), UA dirt
Posts: 3,185
No. IIRC - all Citibank bankers have Series 7. But only designated CPWM personnel can set that up.
It could be segmentation. But I doubt that is the case.
I believe the banker is simply lazy.
They are not the same.
In theory, MMA comes with check-writing capacity but not for saving.
IIRC - Citibank's MMA does come with checks.
It could be segmentation. But I doubt that is the case.
I believe the banker is simply lazy.
They are not the same.
In theory, MMA comes with check-writing capacity but not for saving.
IIRC - Citibank's MMA does come with checks.
It sounded like she was just doing me a courtesy because she continued to be on the phone with someone.
That's what I had thought, but she was correcting me and telling me that they are the same, even though they had two different lines on the rate sheet.
#760
formerly known as daveland
Join Date: Oct 2003
Location: NY, NY, USA
Programs: Hyatt Globalist, Marriott LTP, Delta Platinum, Hilton Honors Diamond, Wyndham Diamond
Posts: 2,967
Has anyone heard of any TY point offers recently for upgrading Citi Priority to CitiGold?
#761
Join Date: Jan 2005
Location: San Diego US and Brisbane AU
Programs: AA EXP/2MM - DL PM - OZ Diamond - Bonvoy LTT - Hyatt Glob - IHG Plat - National EE - Sixt Platinum
Posts: 1,315
Anyone else see a banner in their mobile app about a "free upgrade" to Citigold? It came up twice this week, but no details on what the offer is or why it's free. I'm a Citi Priority member and temporarily have $100+k in my accounts (being transferred elsewhere), but that's still less than the $200k requirement...
Last edited by SpeedRicer; Dec 9, 2017 at 1:22 am
#762
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
Anyone else see a banner in their mobile app about a "free upgrade" to Citigold? It came up twice this week, but no details on what the offer is or why it's free. I'm a Citi Priority member and temporarily have $100+k in my accounts (being transferred elsewhere), but that's still less than the $200k requirement...
In my many years with Citi, I've learned: 1) Their CC front line reps don't know anything. 2) Their website is ugly and stinks. 3) They pretend to offer WEMC's but don't actually offer any of the benefits to it.
#763
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
#764
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat Pro, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,008
Anyone else see a banner in their mobile app about a "free upgrade" to Citigold? It came up twice this week, but no details on what the offer is or why it's free. I'm a Citi Priority member and temporarily have $100+k in my accounts (being transferred elsewhere), but that's still less than the $200k requirement...
#765
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811