All you need to know about the Citibank Banking Services.

You can change your Mailing/Residential/Office Address instantly -online!

Please login to Citibank Online with your User ID and IPIN (click here if you don't have one) and choose the option "Your contact details". Recommended

You can view/update any of your contact details here. To update your mailing address, you will be issued another Online Authentication Code (OAC), which you will receive on your registered mobile number/E-mail ID. You may also call our phone banking officers.

Alternatively, you can change your Mailing/Residential/Office Address through a written instruction along with a valid address proof, duly signed by the authorised signatory. This written instruction along with the proof of address can be:

• Sent to the nearest Citibank branch
• Mailed to P.O. Box 4830, Anna Salai, Chennai - 600 002
• Couriered/Sent by registered post to Citibank N.A., Mail Room, No.2, Club House Road, Chennai - 600 002

Should you require any further clarification on this, we request you to contact CitiPhone or visit any of our nearest branches.

You can update/change your telephone number through Citibank Online. Choose 'Other Services' from the left panel and click on "E-mail/mobile number updation". You may also call our phone banking officers. Recommended

Yes. A written instruction will need to be provided by you requesting a change of signature and bearing both your old and new signature. If you are unable to produce your old signature, kindly visit the nearest Citibank branch. Click here to find the nearest Citibank branch.

Change of base location is not possible. A new Account will need to be opened at the revised location.

The required documents are:

• The joint holder addition form duly filled up and signed by all the holders
• One recent photo of new holder
• Two introduction documents required for the holder as per the new introduction documents requirement covering identity, signature and address. The introduction documents have to be attested by a Citibank Officer after sighting of original identity documents

• Customer Instruction signed as per existing sign rule
• Board Resolution/Partnership Resolution/Trust Resolution/Society Resolution mentioning about the addition and the revised mode of operations
• One photograph for each of the signatories who are getting added
• Introduction documents required for each signatory (fulfilling ISA requirement). Even one document is sufficient provided the ISA requirement is met
• Sign Cards (in triplicate)
• If signatory getting added is a Director, then Form 32 needs to be submitted

• For error in spelling: Attested copy of introduction documents is required
• Surname change: Attested copy of introduction documents/Marriage/Divorce Certificate
• Inclusion of Middle name/Expansion of initials: Attested copy of introduction documents/affidavit

• For Complete Name change: Attested copy of Affidavit. For complete change of name the following documents are mandatory:

  • The individual needs to notify the change in his/her name in one of the daily leading local newspapers
  • Original affidavit, on non-judicial stamp paper duly attested by Notary Public/Oath Commissioner or First Class Magistrate

Covering letter is required in all the above scenarios.

NOTE: Name change is not possible if DMF Account is active. Name change should be done with fund house against your linked folios before getting the name change done in the Account. Visit the nearest Branch for the process.

Charges for non-maintenance of monthly relationship value would be Rs. 500 per month for Savings Account, Rs. 250 for Suvidha Account and Rs. 600 for Current Account.

Interest offered on savings account is 4% per annum.

Ensure that you are entering your IPIN in small cases. You can also generate an IPIN instantly on Citibank Online, in case this does not work.

You cannot open a Brokerage Account. We offer Demat services.

Please submit a written instruction mentioning the reason for Account Closure along with the ATM Card cut into 4 pieces. The letter needs to be signed by all signatories/account holders and sent to Citibank N.A., 2, Club House Road, Anna Salai, Chennai - 600 002. Chequebook with all the remaining leaves struck out needs to be handed over to your Relationship Manager/Branch.

You can call 24-Hr. CitiPhone Service Numbers or also can have the request placed on Citibank Online.

The 'Do Not Disturb' status will be reflected on your records within a maximum of 30 days.

• You may login to the Citibank Online Banking website www.citibank.co.in and click on 'Products & Services' on the homepage of the site and select the relevant bank account information you are looking for Recommended
• You may also call CitiPhone for details

You may deposit a cheque at any of the Citibank Branches or at any Citibank ATM Centre. Click here to find your nearest ATM Centre. Kindly use the cheque deposit slips available at the Branch / ATM Centres.

Please follow the simple guidelines below to enable faster processing of your cheques:

• Ensure that your account number and name are correctly mentioned on the deposit slip
• Ensure that the cheque/draft is properly attached to the deposit slip
• Make sure the cheque/draft is countersigned in case of an alteration in the payee's name, date, amount and over-writing on the signature
• Ensure that the amount entered in words and the amount entered in figures on the deposit slip is the same and correct

Citibank offers you the privilege of National Banking. There are no charges applicable for clearing of cheques at Citibank branch locations. You will be charged only if:

• The instrument is sent for outstation clearing (locations where there are no Citibank Branches)
• The cheque that you present is returned (cheque bounce)

The charges applicable will be as per the Schedule of Charges, which will be communicated, to you from time to time.

The following charges are applicable for cheque returns:

Local - Rs. 350 (inward) and Rs. 100 (outward).
Outstation/intercity cheque return charge - Rs. 250 (outward). The charges are also dependent on the type of account held.

Your account will be credited in 3 - 4 weeks. However, if the instrument is sent for collection directly to the other bank, we can credit your account only upon receipt of cheque proceeds from the other bank.

Yes.

There are 2 types of FCY clearing, for Cheques up to USD 10,000 would be 10 - 14 working days and for cheques greater than USD 10,000 up to 30 working days.

Yes, commission charges apply for foreign currency cheque deposits. Visit Citibank Online to verify the charges. This is in addition to the charges levied by other banks.

Your account will be credited at the prevailing foreign exchange rate applicable on the date of credit.

Your account will be debited at the foreign exchange rate applicable at the date of cheque return. In addition, a charge will be levied on your account. The charges applicable will be as per the Schedule of Charges, which will be communicated, to you from time to time.

You can place the request by:

• Placing a request on Citibank Online Recommended
• Calling 24-Hr. CitiPhone Priority Service Numbers
• Using Citi Mobile

A stop payment instruction on a cheque can be issued through any of the following channels:

• Citibank Online Recommended
• 24-Hr. CitiPhone Priority Service Numbers
• Kiosk machine
• Letter to the Chennai Citibank Office
• Written instruction to nearest Citibank Branch

The charges for stop payment of cheques would be Rs. 50 for a single cheque and Rs. 100 for a series. This also depends on type of account held.

Stop payment can be revoked by calling CitiPhone. You will need your TPIN for verification purposes.

Contact the bank immediately and request for a stop payment on the chequebook.

Automated Teller Machine is a computerised machine that provides the customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.

The ATM Cards / Debit Cards, Credit Cards and prepaid Cards (that permit cash withdrawal) can be used at ATMs for various transactions.

In addition to cash dispensing ATMs, it may have many services/facilities such as:

• Account information
• Cash Deposit
• Regular bills payment
• Purchase of Re-load Vouchers for Mobiles
• Mini/Short Statement
• Loan account enquiry etc.

The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.

For transacting at an ATM, the customer inserts (swipes) their Card in the ATM and enter their Personal Identification Number (PIN).

Yes, the Cards issued by banks in India should be enabled for use at any bank ATM within India.

PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the bank while issuing the Card. This PIN has to be reset to a new PIN by the customer. Most banks force the customers to change the PIN on the first use.

The PIN number should not be written on the Card, Card holder etc. as in such cases the Card can be misused if the Card is lost/stolen.

The customer may contact the Card issuing bank branch and apply for retrieval/issuance of a new Card. This procedure is applicable even if the Card is sucked in at another bank's ATM.

The customer may contact the Card issuing bank immediately on noticing the loss so as to enable the bank to block such Cards.

Yes, banks set limit for cash withdrawal by customers. The cash withdrawal limit for use at the ATM of the issuing bank is set by the bank during the issuance of the Card. This limit is displayed at the respective ATM locations.

For cash withdrawals at other bank ATMs, banks have decided to maintain a limit of Rs. 10,000 per transaction. This information is displayed at the ATM location.

No charges are payable for using other banks' ATM for cash withdrawal and balance enquiry, as RBI has made it free under its "Free ATM access policy" since April 01, 2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, banks charge maximum of Rs. 20 per transaction.

The customer may lodge a complaint with the Card issuing bank. This process is applicable even if the transaction was carried out at another bank's ATM.

As per the RBI instructions, banks may re-credit such wrongly debited amounts within a maximum period of 12 working days.

Yes, effective from July 17, 2009, banks shall have to pay customers Rs. 100 per day for delays beyond 12 working days. This shall have to be credited to the account of the customer without any claim being made by the customer.

For all such complaints, customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.

You need to immediately report the loss of your Citi Card to Citibank by calling 24-Hr. CitiPhone Priority Service Numbers. A new Card will be sent to your mailing address at the earliest and your lost Card will be blocked immediately to ensure your account's safety.

No, the Card number will be different. You will also get a new APIN and Internet Password (IPIN).

Yes, for security reasons, APIN and IPIN both change with change in Card number.

For core accounts, Rs. 100 + 12.36% tax will be charged. For Citigold Accounts, no charges are levied.

There are two possible reasons for this:

• You may have entered an incorrect APIN (ATM PIN) thrice at an ATM, therefore your Citi Card is blocked
• Your Citi Card may be damaged

• Login to your account through Citibank Online Recommended
• Choose IPIN or Request for APIN,TPIN,QPIN' from the left navigation panel
• Alternatively, call 24-Hr. CitiPhone Priority Service Numbers and request for a fresh Citi Card and PIN

Yes, you can use your Citi Card at any ATM that is part of the Cirrus or Cashnet Network. These ATMs can be identified by the prominent display of the Cirrus and Cashnet logos. A nominal charge will be levied for transacting at non-Citibank ATMs.

On non-Citibank ATMs, Rs. 70 per transaction on Cirrus (first two withdrawal at Rs. 50) and Rs. 35 per transaction on Cashnet ATMs. The charges will also depend on the type of account held. As of now there are no charges.

You can withdraw money from any ATM which accepts Maestro Cards and has the Cirrus or Euronet logos.

Your Citi Card doubles up as a Debit Card as well. You can use this to shop at over 25,000 merchant outlets across the country.

Yes, your Citi Card can be used internationally as well.

You will be charged USD 2.5 per transaction if you use your Citi Card to withdraw money from an ATM abroad.

"Family" ATM / Debit Card is an ATM / Debit Card, which can be given to your wife, father, mother, sister, brother, friends, kids (at least 18 years of age). You may choose to gift as many of these Cards as you like. You can even pre-set the monthly spend limit on each Card, thus helping you control expenses. There is a nominal charge of Rs. 250 for each Card. Login to Citibank Online to apply now.

Yes, you can set a limit on your ATM Card. You can increase or decrease the limit by giving a written instruction. This written instruction can be:

Sent to the nearest Citibank branch.
Placed in a Drop Box at a Citibank ATM location.
Mailed to P.O. Box 4830, Anna Salai, Chennai - 600 002.

• Couriered/Sent by registered post to Citibank N.A., Mail Room, 766, Anna Salai, Shakti Towers, Chennai - 600 002

The IndianOil Citibank ATM / Debit Card is India's first co-branded Debit Card. It gives you:

• A waiver on service charges on fuel purchases at IndianOil Retail Outlets
• Free fuel earned through the powerful rewards program
• 5% discount on your fuel purchases throughout the year and many more savings every time you use your Card

This Card is available at a nominal annual fee of Rs. 250. You can apply for this Card by logging in to your account through Citibank Online.

This Card brings you automatic membership to the First Citizen Club (FCC), the Shoppers Stop Rewards Program. The FCC membership entitles you to exclusive privileges, such as, product previews, priority billing and other special benefits. You enjoy the following benefits on this Card:

• Reward Points redeemable for FREE Shoppers Stop Gift Vouchers
• Automatic membership to First Citizen Club
• Seasonal discounts and special shopping privileges
• Exclusive invitations for movies and events at Shoppers Stop

This Card is available at a nominal annual fee of Rs. 250. You can apply for this Card by logging in to your account through Citibank Online.

The Citibank Grocery ATM / Debit Card has been designed to bring you savings and benefits every time you go shopping for groceries. You get 5% more on your grocery shopping with this Card and earn five Reward Points for every Rs. 100 spent on your Card.

This Card is available at a nominal annual fee of Rs. 299. You can apply for this Card by logging in to your account through Citibank Online.

Can be done online. You may also call our phone banking officers. You will have to visit the branch to get this done by providing written instructions in a standard format, a copy of which can be couriered to you.

Credit Cards can be linked to a bank account by contacting 24-Hr. CitiPhone Priority Service Numbers or on Citibank Online. Just login to your account by visiting www.citibank.co.in and follow the instructions given there.

Once your Credit Card and bank accounts are linked, you will be able to access your Credit Card and bank account via the same IPIN by logging on to your account online.

You will have to submit the joint holder addition form duly filled up and signed by all the holders along with the necessary documents. A holder cannot be added or deleted, if DMF Account is active unless it is a death case, for which the deceased process needs to be followed. You can find more about this process by visiting the nearest Citibank Branch or calling CitiPhone.