Citibank, National Association

Headquarters: Sioux Falls, South Dakota
Charter: Bank
Assets: $2.0T
Fed district: Minneapolis
Regulator: OCC
Holding company: Citigroup Inc.

Explore Hamilton View published fees

Compared with South Dakota

3 of 5

compared fees are above the median.

2 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
27th percentile; peer median 4.4%
FDIC call report data · Jun 30, 2026
Fees above the South Dakota median
of 5 compared; 2 below, 0 about the same
See the fees
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Citibank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCFD2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 15 banks with over $250B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the South Dakota median	Published fees above the South Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Citibank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Citibank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 1.8% of revenue, below the 4.4% median of 15 banks with over $250B in assets (27th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $337.0M in Q2 2026, 3.1% above the same quarter a year earlier ($327.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 5 compared published fees sit above the South Dakota median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with South Dakota medians for fees published by banks and credit unions.

Monthly Maintenance
Regular Checking
Citibank, National Association: $15
Citibank, National Association: $15
South Dakota median: $7.5016 publishMinneapolis district median: $6.8598 publishU.S. median: $71,904 publish
Wire Transfer (Int'l Out)
Compared at $37.50, the middle of its prices
Citibank, National Association: $35 to $40
Citibank, National Association: $35 to $40
South Dakota median: $5012 publishMinneapolis district median: $50111 publishU.S. median: $501,729 publish
Cashier's Check
Citibank, National Association: $10
Citibank, National Association: $10
South Dakota median: $522 publishMinneapolis district median: $5154 publishU.S. median: $52,586 publish

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $337.0M. Its share of revenue, 1.8%, is below the 4.4% median for banks with over $250B in assets.

Service-charge income, Q2 2026

$337.0M

$334.0MQ3 2025

$339.0MQ4 2025

$334.0MQ1 2026

$337.0MQ2 2026

Against the median (SD for fees)

Share of revenue1.8% / 4.4%
Monthly maintenance$15 / $7.50

Citibank, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 15 banks with over $250B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Citibank, National Association · $2T in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$99.1B to $2.7T in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Citibank, National Association(this institution)	Sioux Falls, SD	$2T	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Ally Bank	Sandy, UT	$188.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Express National Bank	Sandy, UT	$213.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of America, National Association	Charlotte, NC	$2.7T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BMO Bank National Association	Chicago, IL	$255B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Capital One, National Association	McLean, VA	$662.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Charles Schwab Bank, SSB	Westlake, TX	$250.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
City National Bank	Los Angeles, CA	$99.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fifth Third Bank, National Association	Cincinnati, OH	$299.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First-Citizens Bank & Trust Company	Raleigh, NC	$236.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
HSBC Bank USA, National Association	Tysons, VA	$173.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manufacturers and Traders Trust Company	Buffalo, NY	$218.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgan Stanley Private Bank, National Association	Purchase, NY	$250.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Nashville, TN	$128.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PNC Bank, National Association	Wilmington, DE	$609.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Regions Bank	Birmingham, AL	$159.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Santander Bank, N.A.	Wilmington, DE	$104B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TD Bank, National Association	Wilmington, DE	$342.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Huntington National Bank	Columbus, OH	$283.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Northern Trust Company	Chicago, IL	$178.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truist Bank	Charlotte, NC	$548.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.S. Bank National Association	Cincinnati, OH	$705.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
USAA Federal Savings Bank	Phoenix, AZ	$106.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wells Fargo Bank, National Association	Sioux Falls, SD	$1.9T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 20 publish this fee(monthly maintenance)

5 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (36%) above the median of similar-sized banks.

Its published price is $15, against a peer median of $11 among 20 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citibank, National Associ…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Citibank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $337.0M
vs prior quarter: +$3.0M+0.9%; from Q1 2026
vs a year earlier: +$10.0M+3.1%; from Q2 2025
vs start of range: +$66.0M+24.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Citibank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$337.0M	+$3.0M	+0.9%
Q1 2026	$334.0M	−$5.0M	−1.5%
Q4 2025	$339.0M	+$5.0M	+1.5%
Q3 2025	$334.0M	+$7.0M	+2.1%
Q2 2025	$327.0M	+$7.0M	+2.2%
Q1 2025	$320.0M	−$85.0M	−21.0%
Q4 2024	$405.0M	+$134.0M	+49.4%
Q3 2024	$271.0M	−$7.0M	−2.5%

Service-charge share against its size cohort

Financial cohort: 18 banks with over $250B in assets filing for Q2 2026; 15 reported a share above 0% and are counted, Citibank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Citibank, National Association: 1.8%
Percentile: 27th
25th percentile: 2.0%
Median: 4.4%
75th percentile: 6.1%

Citibank, National Association 1.8%Median 4.4%Middle half 2.0% to 6.1%Peers at each share

Find a peer (15)

The 15 closest to Citibank, National Association by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Citibank, National Association’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Regular Checking Monthly Service Fee$15
Above the U.S. middle 50% ($5 to $10 nationally)
per month

Wire Transfers

Wire Transfer — Outgoing Online International$35
Below the U.S. middle 50% ($40 to $50 nationally)
Wire Transfer — Outgoing Online International$40
Inside the U.S. middle 50% ($40 to $50 nationally)

Check Services

Official Check$10
Above the U.S. middle 50% ($3 to $6 nationally)
Money Order for Customers$5
Above the U.S. middle 50% ($2 to $3 nationally)

Account Services

Safe Deposit Box Renewal Payment (audience not stated, treated as personal)$25
Below the U.S. middle 50% ($32.50 to $60 nationally)
Legal Process per service$125
Inside the U.S. middle 50% ($50 to $150 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Regular Checking Monthly Service Fee	$15Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Wire Transfers
Wire Transfer — Outgoing Online International	$35Below the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Wire Transfer — Outgoing Online International	$40Inside the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Check Services
Official Check	$10Above the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Order for Customers	$5Above the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Account Services
Safe Deposit Box Renewal Payment (audience not stated, treated as personal)	$25Below the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Legal Process per service	$125Inside the U.S. middle 50% ($50 to $150 nationally)	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Citibank, National Association operates, and what regulators and customers have on file.

Branch footprint

667 offices in 14 states, $900.9B in branch deposits (June 2026)

Hover a state for its branch count.

FewerMore branches

Largest markets by deposits

	2	$637.7B
	222	$111.4B
	125	$32.9B
	1	$31.0B
	56	$22.3B
	63	$16.5B
	57	$14.2B
	34	$8.0B

Sioux Falls, SD-MN

56.5% of bank deposits, #1 of 42, down 2.6 points over five years.

Largest competitors here	Deposit share
Wells Fargo Bank, National Association	41%
The Bancorp Bank, National Association	0.7%
Pathward, National Association	0.5%
First PREMIER Bank	0.2%
Sunrise Banks, National Association	0.2%

Fees in Sioux Falls →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Sioux Falls, SD-MN, Citibank, National Association holds 56.5% of bank deposits, #1 of 42, with 2 offices.

Compare fees with the 174 New York-Newark-Jersey City, NY-NJ banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, New York-Newark-Jersey City, NY-NJ.

Offices in the metro

159 offices of 47 institutions shown.

Citibank, National AssociationOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Sioux Falls, SD-MN metro (FDIC metro code 43620), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Citibank, National Association56.5%
2Wells Fargo Bank, National Association41.0%
3The Bancorp Bank, National Association0.7%
4Pathward, National Association0.5%
5First PREMIER Bank0.2%
6Sunrise Banks, National Association0.2%
7The First National Bank in Sioux Falls0.1%
8First Dakota National Bank0.1%

8 of 42 institutions shown. $1.1T in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Sioux Falls, SD-MN metro (FDIC metro code 43620)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2012 to 2026

June 2026: 56.5% share, 2 offices, #1 of 42

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2012 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2012 to 2026
Area: Sioux Falls, SD-MN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

23 offices of 6 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Consumer complaints

19,679 complaints to the CFPB so far in 2026

Credit card
Credit card or prepaid card
Checking or savings account
Credit reporting or other personal consumer reports
Other

Top issues, 2026 to date

Problem with a purchase shown on your statement	4,083
Incorrect information on your report	2,328
Managing an account	1,836
Other features, terms, or problems	1,265
Fees or interest	1,187
Took or threatened to take negative or legal action	924

Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.

Enforcement actions

1 order with no end date on file

Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)October 7, 2020
OCC
Board / Management Oversight; Capital; Compliance Risk Management; Enterprise Governance / Internal Controls / General Risk Management; General IT Controls; Heightened Standards (12 CFR 30, Appx D); Information Technology

Past (latest 5 of 17)

Civil Money Penalty (CMP)July 10, 2024
OCC, penalty $75.0M
Enterprise Governance / Internal Controls / General Risk Management; Noncompliance with Enforcement Action
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)July 10, 2024
OCC. Ended December 11, 2025
Board / Management Oversight; Capital; Compliance Risk Management; Enterprise Governance / Internal Controls / General Risk Management; General IT Controls; Heightened Standards (12 CFR 30, Appx D); Information Technology; Noncompliance with Enforcement Action
Civil Money Penalty (CMP)October 7, 2020
OCC, penalty $400.0M
Compliance Risk Management; Enterprise Governance / Internal Controls / General Risk Management; Heightened Standards (12 CFR 30, Appx D)
Civil Money Penalty (CMP)January 17, 2020
OCC, penalty $18.0M
Consumer Law; Flood Insurance
Civil Money Penalty (CMP)October 11, 2019
OCC, penalty $30.0M
Lending Issues; OREO

Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

CITIGROUP INC (NYSE: C)

Consolidated assets

$2.7T

Shareholders' equity

$212.3B

As of

2025Q4

Net income by quarter

Recent SEC filings

8-K8-K2026-10-26View
8-K8-K2026-10-22View
8-K8-K2026-10-13View
8-K8-K2026-09-24View
10-Q10-Q2026-08-06View
8-K8-K2026-07-14View
8-K8-K2026-05-21View
10-Q10-Q2026-05-07View
8-K8-K2026-04-14View
8-K8-K2026-04-03View
DEF 14ADEFINITIVE PROXY STATEMENT2026-04-02View
10-K10-K2026-02-20View

Source: SEC EDGAR filings and XBRL financial data, CIK 831001. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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