FAQ's

To access Citibank Online as a first time user, you will need to create a User ID and Internet Password. You can create a User ID and Internet Password using the Debit Card for your Rupee Checking Account and the ATM Personal Identification Number.

If you had opted not to receive a Debit Card for your Rupee Checking Account at the time of account opening, you will not receive a Debit Card and will not be able to access your account online. If you had opted to receive a Debit Card for your Rupee Checking Account at the time of account opening and have not received your Debit Card within 2 weeks of receiving a confirmation that your account is open, please call CitiPhone.

To create a User ID, Select First Time User ? Register from the Home Page and follow these simple steps:

Step 1: Enter Account Information

From the drop down menu, please select NR Rupee Checking Account.

Step 2: Authenticate Account Information

You will need to enter your 16-digit Debit Card Number, CVV Number (this is the last 3 digits on the reverse of your Debit Card below the magnetic strip), Date of Birth and ZIP Code or your Passport Number.

Once you enter these details, please read the Terms & Conditions for selecting an Internet Password and agree to these Terms & Conditions.

Now select Proceed.

Once you have selected Proceed, you will need to authenticate your Account Information with a One-Time Password and ATM Personal Identification Number before you can select your User ID and Internet Password. We will send you a One-Time Password to the registered mobile phone on your account as a text message and to your registered email address. This One-Time Password is valid for 15 minutes from the time you have placed your request. You will also need to enter your ATM Personal Information Number (ATM PIN) in the section provided.

Step 3: Select user ID

Once you have provided your Account Information and verified the One Time Password and your ATM PIN, you can select a User ID of your choice. Please note that the User ID has to be a minimum of 6 and maximum of 50 characters, alpha numeric and must not contain any blanks spaces. You can only use the following special characters: ".", "_" and "@".

Step 4: Select Internet Password

Once you have selected your User ID, you can continue to select an Internet Password of your choice.

Please note that your Internet Password should:

• Be something that you can easily recall, yet discreet and not decipherable to others
• Be a minimum of 8 and maximum of 16 characters
• Be alphanumeric
• Not contain blank spaces
• Not contain the following special characters ", <, >, /, \, &, %

Now, you can login to your Account at Citibank Online using the User ID and Internet password you have created.

Here are guidelines you can follow when creating a password and ways to protect it after the fact.

Choose a Good Password. These tips make it difficult for others to guess your password and help protect your account.

Dos and Don'ts	Examples
Do use at least 8 characters and a combination of letters and numbers.	Good Passwords fireman28a 5crickfan1963 mar23mbbd
Do not use single words that can be found in any dictionary.	Bad Password kangaroo
Do not use your name, your spouse's name, your pet's name, birthday, favorite food, or any personal information that others can easily obtain.	Bad Passwords viperfan fido (pet's name)
Do not use blank spaces	Incorrect Password atul Sharma
Do not use the following special characters ", <, >, /, \, &, %	Incorrect Password a&tul<sharma%
Do not use a password that contains part of your online User ID or email address.	Bad Password jimmy (while your ID is jimmyrockstar)

Password and Account Protection. There are several ways to protect your password.

• Make it memorable. Pick something you will remember. Also, since this will be the password you need to access your accounts, take the time to think of a strong one.
• Change it periodically. It?s a good practice to reset your password every 30 or 60 days.
• Don?t share it. No one representing Citibank will ask for your password in any way other than through the secure web form on our website. You should never give it to anyone who asks for it via email, phone or any other medium ? even if they say they are from Citibank.
• Always sign-off. End your session properly by selecting "sign-out" and then close the browser window ? especially if you are using a computer at an internet caf? or a public place.
• Download security updates. Most browsers and operating systems automatically notify you of security updates at launch, so you can download them right away. If you don?t want to download a patch or update immediately, make it a point to visit the company?s site as soon as you can; all have clearly marked areas where you can obtain downloads.

If you had selected a User ID and an Internet Password to access your account online but have forgotten either your User ID or Internet Password, you can retrieve these.

Please select the Forgot User ID or Password? link from the Home Page and follow the simple steps to retrieve your User ID or Internet Password.

You can transfer funds online from your Non-Resident External (NRE) Account or Non-Resident Ordinary (NRO) Account to a bank account in India either through the National Electronic Funds Transfer (NEFT) system or the Real Time Gross Settlement (RTGS) system. There are over 100,000 branches of banks in India that accept transfers made through the NEFT or RTGS system. Kindly note, online transfer of funds from NRO to NRE Account is not possible.

For more details, please check Transfers to any bank account section under the Payments & Transfers page in this website.

You can also provide us with written instructions to transfer funds from your Non-Resident External or Non-Resident Ordinary Rupee Checking Account to a bank account in India. Please complete the Funds Transfer Request Form and mail it to Citibank Mail Room address.

There are many convenient options for you to send money from overseas to your Rupee Checking Account in India. Please read through the details of the options available in your country of residence in the Transfers from Overseas section under the Payments & Transfers page in this website to decide on the option that is most convenient for you.

You can transfer funds from your Non-Resident External Rupee Checking Account to any bank account overseas easily. Transfer of funds from a Non-Resident Ordinary Rupee Checking Account to a bank account overseas or to a Non-Resident External Checking Account or a Foreign Currency Non-Resident Deposit Account is called repatriation and is subject to limits and documentation guidelines of the Reserve Bank of India.

If you have a Non-Resident External Rupee Checking Account and any active Terms Deposits linked to this account, you can transfer funds online from your Non-Resident External Rupee Checking Account to any bank account worldwide. Please read Funds Transfers in Transfers from India section under the Payments & Transfers page in this website for more details.

You can also complete the Funds Transfer Request Form and mail the completed form to the NRI Service Center in your country of residence or to Mail Room address. India. You can also visit any Citibank branch in India to hand over this form in person. Please remember that all Account Holder on the account need to sign this instruction.

To learn more about transferring funds from your Non-Resident Ordinary Rupee Checking Account or Non-Resident Ordinary Deposits, please read Repatriation under the Payments & Transfers from India section in this website.

For our mutual protection, our representatives from India may call you on the registered contact numbers on your account to confirm your request prior to executing the instructions. If you have not updated your contact information and we are unable to confirm your request, execution of your instruction may be delayed. Please ensure that your contact information is updated on our records at all times.

It is extremely important that you keep your contact information on your account updated at all times.

To update your address, phone numbers and email address, please login to your account and edit your contact details under the “Your Contact Details” link on the left navigation. To make changes to your account, you will also need to enter an Online Authorization Code (OAC) that will be sent to your registered mobile phone on your account and to your registered email address to authenticate this transaction.

The Reserve Bank of India requires us to collect documentary proof for all address change requests. So, if you change your address online, please send us a signed photocopy of any one of the following as proof of your updated address, along with a letter confirming your Rupee Checking Account Number:

• Valid Passport with address
• Valid Driving license with address
• Documents issued by Government department of foreign Jurisdiction (for foreign passport holder only)
• Letter issued by Foreign Embassy/Mission in India (For foreign Passport holder only) (for foreign passport holder only)

Alternatively, where one of the above documents is available for mailing address, below documents can be submitted as proof for permanent address in addition to above document:

• Utility bill not more than 2 month old of any service provided (Electricity , telephone, post-paid mobile phone, piped gas, water bill)
• Property or municipal tax receipt
• Latest Bank account or post office savings bank account statement

Alternately you can also mail them to Citibank Mail Room address. You can also provide these documents in person at any Citibank branch in India.

Please Note: If you hold only a Time Deposit Account, you will not be able to update your contact details online. You can complete the Account Instruction Form and mail it along with proof of address as mentioned above, to Citibank Mail Room address.

If there are no customer initiated transactions on your account for a consecutive period of 12 months, your account gets tagged as an Inactive Account. You will continue to earn interest on the balances in your account; however, certain transactions may be blocked for our mutual protection. To activate your Inactive Account, all you need to do is:

• Login to your account and initiate a financial transaction. This could be a funds transfer to any bank account in India or order a Demand Draft payable to anyone. OR
• Call CitiPhone and request for your account to be activated.

If you have not operated your account for a consecutive period of 24 months, your Inactive Account gets tagged as a Dormant Account. You will continue to earn interest on the balances in your account; however, certain transactions may be blocked for our mutual protection. To activate your Dormant Account, all you need to do is:

• Complete the Funds Transfer Form and give us instructions to perform a financial transaction from your account
• Provide a signed photocopy of a proof of address (recent utility bill or recent bank statement or driver’s license) and government issued photo identification (passport or PIO or OCI Card or driver’s license)
• You can mail these documents to the Mail Room address. You can also visit any Citibank branch in India to hand over these documents in person.

For our mutual protection, our representatives from India may call you on the registered contact numbers on your account to confirm your request prior to executing the instructions. If you have not updated your contact information and we are unable to confirm your request, execution of your instruction may be delayed. Please ensure that your contact information is updated on our records at all times.

For your convenience, if you have chosen the automatic rollover option when the original deposit was booked, then you do not have to do anything. Your deposits will be automatically rolled over for the same tenure as the original deposit, at the prevailing interest rate at the time of the roll over.

You will also receive a maturity alert approximately 14 days prior to maturity of the deposit. If you wish to change the tenure or the amount and rebook the deposit, please complete the Deposit Application form for existing customers and mail it to the NRI Service Center in your country of residence or to Mail Room address. You can also visit any Citibank branch in India to hand over this form in person. Please remember that all Account Holders on the account need to sign this instruction.

If you wish to terminate this deposit on maturity, please complete the Fund Transfers Request Form. You can mail the completed form to the NRI Service Center in your country of residence or to Mail Room address. You can also visit any Citibank branch in India to hand over this form in person. Please remember that all Account Holder on the account need to sign this instruction.

For our mutual protection, our representatives from India may call you on the registered contact numbers on your account to confirm your request prior to executing the instructions. If you have not updated your contact information and we are unable to confirm your request, execution of your instruction may be delayed. Please ensure that your contact information is updated on our records at all times.

Withdrawal of any Term Deposit prior to the original maturity date is called pre-termination. You can pre-terminate a deposit at any time. However, if you pre-terminate a deposit before the minimum tenure of the deposit, then no interest will be paid. The minimum tenure for Non-Resident External Deposits and Foreign Currency Non-Resident Deposits is 1 year and the minimum tenure for Non-Resident Ordinary Deposits is 7 days.

If you pre-terminate a Term Deposit in full, after you complete the minimum tenure of the deposit, you will earn interest on the deposit.

The interest rate paid on the withdrawn amount will be either:

• The interest rate at the time of original deposit booking OR
• The applicable rate of interest for the new tenure and amount on the date of pre-mature withdrawal
• The lower interest rate between the above mentioned interest rates, less a penalty of 1% will apply

If you pre-terminate a Term Deposit partially, the original deposit is treated as two deposits ? one is the amount withdrawn and the other is the amount remaining in the deposit.

The interest rate paid on the withdrawn amount will be either:

• The interest rate at the time of original deposit booking OR
• The applicable rate of interest for the new tenure and amount on the date of pre-mature withdrawal
• The lower interest rate between the above mentioned interest rates, less a penalty of 1% will apply

The Interest rate applicable on the remaining amount will be:

• The applicable interest rate for this amount and tenure of original deposit
• This rate may be the same as the original deposit or lower depending on the interest rates across tenures and amounts when the original deposit was booked

Please see illustration below for the interest paid on partial pre-mature withdrawals.

Illustration of interest paid in case of pre-termination prior to original maturity date, but after the minimum tenure of a deposit:
	Original Deposit
Original Principal Amount	INR 100,000
Original booking date	June 1 2011
Original maturity date	May 31 2013
Original tenure (days)	730
Original Interest rate	9%
Maturity Amount	INR 118,810
		Deposit Pre-Maturely Withdrawn	Deposit Remaining
Amount withdrawn pre-maturely		INR 60000	-
Amount remaining		-	INR 40000
Original booking date		June 1 2011	June 1 2011
Pre-mature withdrawal date		May 31 2012	-
Maturity date of Deposit Remaining		-	May 31 2013
Pre-mature withdrawal tenure (days)		365	-
Remaining Deposit tenure (days)		-	730
Applicable interest rate on date of Withdrawal		8%	-
Pre-Payment Penalty		1%	-
Applicable interest rate on Remaining Deposit		-	8%
Effective interest rate		7%	8%
Revised Amount (Paid out or Balance)		INR 64200	INR 46656

Please note that the amounts in the above illustration may vary if Tax Deduction at Source (TDS) is applicable.

The Reserve Bank of India guidelines require all banks to periodically contact customers and collect most recent colour photograph, identification documents and proof of address.

To help us comply with this requirement, we may contact you and request you to send a completed Customer Profile Update form along with a recent colour photograph, copies of your identification documents and copies of proof of address.

If there are any changes to your identification documents or address, you can uploads these documents after you login to your account on Citibank Online.