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Citifolio® Services CitiFolio® Services CitiFolio® services put your day-to-day banking into one seamless package. It’s flexible — request the products you need today and add services as your needs grow. It’s simple — complete one application to access a range of services to manage your finances. And CitiFolio is personalized for you — offering strategies to meet your banking needs now and in the future. Begin your relationship today by asking your Private Banking representative about the following services available through the CitiFolio package(1): Deposit Accounts • At Citibank ATMs, make transfers, • Funds in your “contributing loan payments, or get account account” will continue to earn Day-To-Day Transactions: benefit information and transaction interest until transferred to cover from a Private Bank checking records for linked accounts an overdraft account where there are no minimum balance requirements, • Use your Citibank® Debit • The amount of the overdraft will monthly account or check fees, or MasterCard® for purchases at all be rounded up to the nearest withdrawal charges when using MasterCard® locations worldwide $100 and transferred from the Citibank ATMs. available funds in the “contributing account” — up to $99,999 per Short-Term Savings: earn a Overdraft Protection month and up to the number competitive interest rate through Checking Plus® (variable rate)(4): of transfers allowed by federal Citibank’s money market accounts A revolving line of credit linked to regulation. The limit is six (6) per and certificates of deposit. your checking account, allows you statement period Multicurrency Accounts: if your to withdraw funds or write checks If you have both Checking Plus® needs include maintaining a foreign at any time directly from your credit (variable rate) overdraft protection currency cash balance, conducting line up to your available credit limit and the Safety Check service, your international payments or even — without overdrawing your checking Checking Plus® (variable rate) line of operating day to day business in a account. credit will contribute first. specific country, Citi Private Bank’s • Transfers the amount needed US multi-currency deposit accounts to cover your overdraft. The (4) can assist. amount transferred is rounded Line of Credit We offer three forms of FDIC- up to the nearest $100, so you Custom Credit Line offers access insured(2) deposit account: have extra protection if other to cash through an unsecured, overdrafts occur revolving line of credit at a • US Multi-Currency Transaction competitive market interest rate. Account, a non-interest bearing • Monthly minimum payment account automatically deducted from your • A Custom Credit Line from checking account Citibank can help you meet your • US Multi-Currency Cash Reserve • Can pay your entire balance by ongoing borrowing needs or Account, a money-market deposit balance your cash flow account check or by funds transfer via telephone, Citibank ATMs or • Access the line through Custom • US Multi-Currency Time Citibank® Online banking Credit Line checks, phone and Deposits, a time deposit account Citibank Online® Banking SM ® Safety Check Service: Citibank Banking Card Provides overdraft protection by Your key to Citibank ATMs and over automatically transferring funds to the number of ATMs are 30,000 your checking account from a linked fee-free ATMs in the U.S.(3) “contributing account” — either • Make cash withdrawals in local a money market or Day-to-Day currencies around the world Savings account. Item PBG718BKG (Rev. 8/14 V2) Page 1 of 4 Credit Cards(4), (5) • First eligible checked bag free† • Your points are now worth ® even more when redeemed for Private Bank clients may choose to • Earn 2 AAdvantage miles American Airlines or US Airways apply for a credit card: for every $1 spent on eligible American Airlines purchases, flights than when redeemed for non-air travel, when booked through ® ® ® including US Airways codeshare Citi Platinum Select / AAdvantage the Citi ThankYou® Travel Center. World MasterCard® (6): flights booked through American Airlines(10) For example, 50,000 ThankYou • Get your first eligible checked bag • No mileage cap Points can be redeemed for a free for you and up to 4 travel $500 hotel stay, an $800 flight on companions† Citi ThankYou® Premier Card: American Airlines or US Airways • Enjoy Group 1 Boarding and (60% more value), or a $665 use the extra time to prepare • Earn 3 ThankYou Points per $1 flight on any other airline for your flight(7) spent on dining at restaurants (33% more value).* and entertainment, 2 points per $1 • Annual Relationship Bonus • Earn 10% of your redeemed spent at airlines, hotels and travel ® based on spending and depth AAdvantage miles back — agencies, and 1 point per $1 spent ® of relationship(22) up to 10,000 AAdvantage miles on other purchases each calendar year(8) • No foreign purchase transaction ® Rewards • Earn 2 AAdvantage miles fees(16) for every $1 spent on eligible Citibank Checking with Citi® American Airlines purchases, • Travel with ease and enjoy ThankYou® Rewards Program: including US Airways codeshare global acceptance with your Enjoy free enrollment in Citi® flights booked through Citi chip credit card ThankYou® Rewards(23), a rewards American Airlines(9, 10) • Enjoy Concierge Service for program that lets you earn points • Earn a $100 American Airlines assistance with recommendations based on your checking account Flight Discount each year of and reservations and the number of eligible products cardmembership after you spend and services you have, as well as $30,000 or more in purchases Citi ThankYou® Preferred Card: your Citi credit card purchases. and renew your cardmembership(11) • Earn 2 ThankYou® Points Access • Receive a 25% savings on eligible per dollar spent on purchases ® in-flight food and beverage for dining at restaurants and Citibank Online Banking: purchases on American Airlines entertainment and 1 ThankYou® Citibank Online is a web-based made with your card(12) Point per dollar spent on other service providing you with access purchases to account information for linked • There is no annual mileage cap. accounts, transaction capability and There is no limit to the number of ® ® money management tools. AAdvantage® miles you can earn by Citi Prestige MasterCard : making purchases with the card • $200 Airline Fee Credit each year • View account information for that can be applied toward baggage linked accounts, transfer funds • Travel with ease and enjoy fees and many flight-related between linked accounts and other global acceptance with your (18) expenses on major airlines domestic or international Citibank Citi Card with Chip Technology • Enjoy access to nearly 40 accounts, pay bills and initiate wire American Airlines Admirals Club® transactions using your PC from ® ® Citi Executive / AAdvantage lounges for you, your immediate anywhere in the world World EliteTM MasterCard® (6): family or two guests when you • Citi® Text Banking • Earn American Airlines present your card with an ® (13) • Free alerts deliver updates about AAdvantage bonus miles American Airlines boarding pass(19) your checking, savings and credit • Admirals Club® membership (a • Complimentary night at your card accounts directly to your cell membership value of up to $500)(14) choice of over 800 luxury hotels phone or e-mail address • Earn 10,000 Elite Qualifying and resorts twice per calendar • 128-bit secure layers sockets (SLS) Miles after spending $40,000 in year with a minimum 3 consecutive encryption technology purchases each calendar year(15) night stay at any World Elite (20) • Go paperless: view statements • No foreign transaction fees on Luxury Hotels and Resorts and check images online purchases(16) • No foreign transaction fees (21) • Travel with ease and enjoy global on purchases • Visit www.citibankonline.com acceptance with chip technology • Global Concierge with Telephone Banking • Enhanced Airport Experience(17) in-country experts • Earn 2 ThankYou® Points for You can pay bills, transfer funds every dollar you spend at dining between accounts, get account establishments(22) information, and use your lines of credit(24) from the comfort and convenience of your telephone. Just call 1-800-870-1073.(25) *Rewards inventory availability and point levels for rewards are not guaranteed and subject to change without notice. continued > Item PBG718BKG (Rev. 8/14 V2) Page 2 of 4 † FirstCheckedBagFree:For Citi Executive® / AAdvantage® World Elite™ MasterCard®: For benefit to apply, the Citi® / AAdvantage® account must be open 7 days prior to air travel AND, reservation must include the primary cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled. Eligible Citi Executive® / AAdvantage® World EliteTM MasterCard® primary cardmembers may check one bag free of charge when traveling to domestic destinations on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated by SkyWest Airlines, Inc., ExpressJet Airlines, Inc., Republic Airline Inc., Chautauqua Airlines, Inc., or Envoy Air Inc. This benefit will not be available for travel on US Airways flights or on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi Executive® / AAdvantage® World EliteTM MasterCard®, up to eight customers traveling with the eligible primary cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, including any waiver of baggage charges. Please see aa.com for baggage weight and size restrictions. Additional terms, conditions and restrictions may apply. Applicable terms and conditions are subject to change without notice. For Citi® Platinum Select® / AAdvantage® World MasterCard®: For the benefit to apply, the Citi® / AAdvantage® card account must be open 7 days prior to air travel AND reservation must include the primary cardmember’s American Airlines AAdvantage® number 7 days prior to air travel.
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