Citi at a glance
Businesses with more complex payment flows or international banking needs.
CitiBusiness Streamlined Checking
$15 or $0 published monthly fee under the current review data.
3 current tiers
Compare the full fee, waiver, transaction and cash-deposit structure below.
Large national bank
Businesses with more complex payment flows or international banking needs.
Current business checking lineup
Citi currently has 3 business-checking tiers represented in our current review data. The table below is the fastest way to see whether the entry tier is sufficient or whether transaction, cash-deposit or relationship needs justify moving up.
| Account | Monthly fee | How the fee can be avoided | Operating allowance / notable feature |
|---|---|---|---|
| CitiBusiness Streamlined Checking | $15 or $0 | $5,000 average daily collected balance | 250 basic transactions; first $10,000 monthly currency deposits waived |
| CitiBusiness Flexible Checking | $25 or $0 | $10,000 average daily collected balance | 500 basic transactions; first $20,000 monthly currency deposits waived |
| Interest / Analyzed Checking | Not open to new applicants | Discontinued for new applications Aug. 23, 2026 | Legacy accounts may continue under existing terms; verify directly with Citi |
Where Citi fits
Citi is most relevant to businesses that value its urban branch footprint, international banking ecosystem and cash-management capabilities. The important 2026 distinction is that researchers should ignore several older CitiBusiness products that still appear in legacy material but are no longer open to new applicants.
Checking structure
Citi remains a meaningful small-business banking option, but its 2026 lineup is narrower than older reviews suggest. Business Checking Plus was discontinued for new applications in March 2026, and Citi stopped taking new applications for Interest Checking and Analyzed Checking in August 2026. The current small-business focus is therefore Streamlined and Flexible Checking plus cash-management services.
Transactions and cash deposits
Published CitiBusiness fee schedules show Streamlined Checking with up to 250 basic transactions and $10,000 in monthly currency deposits before additional charges. Flexible Checking increases those allowances to 500 transactions and $20,000 in monthly currency deposits. CitiBusiness Online supports Remote Check Deposit, Positive Pay, Account Reconciliation and ACH Origination.
Relationship economics
The February 2026 CitiBusiness fee schedule shows Streamlined Checking at $15 monthly, waived at a $5,000 average daily collected balance, and Flexible Checking at $25 monthly, waived at $10,000. The schedule charges $0.45 per basic transaction above the included count and $0.25 per $100 of currency deposited above the monthly allowance. Availability and pricing can vary by market, so current local disclosures should be checked before opening.
Who should compare Citi closely
Businesses in Citi markets that want mainstream operating checking plus a deeper cash-management platform, especially firms that may value Citi's international banking reach.
What to verify before opening Citi
| Decision point | Bank-specific check |
|---|---|
| Entry-tier economics | Confirm whether CitiBusiness Streamlined Checking at $15 or $0 fits your normal balances and activity, not just the promotional or opening period. |
| Transactions and cash | Model your real monthly volume against the published allowance: 250 basic transactions; first $10,000 monthly currency deposits waived |
| Upgrade threshold | Compare the incremental cost and allowances of Interest / Analyzed Checking before your activity forces an unplanned tier change. |
| Service model | Verify branch coverage, support access, user permissions, ACH/wire controls and merchant/treasury tools needed by your team. |
| Geographic/product availability | Confirm that the exact product and service set is available to your entity type and operating market. |
Primary sources
- Citi small business banking
- CitiBusiness preferred programs
- CitiBusiness digital banking
- CitiBusiness 2026 fee schedule
- CitiBusiness August 2026 amendments
Still a credible business-banking platform, but 2026 product discontinuations make current-date verification essential; Streamlined and Flexible are the relevant starting points for new applicants.
Businesses in Citi markets that want mainstream operating checking plus a deeper cash-management platform, especially firms that may value Citi's international banking reach.