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Citi regular checking now requires $1,000 in EDD to waive the monthly fee

Tony
Tony

2 days ago

Had some free time, so I went on Citi's website and noticed they quietly changed the requirements for waiving the monthly fee on regular checking.

Important Information: Starting January 1, 2027, customers must either be in a Relationship Tier or have $1,000 or more in Direct Deposits or other qualifying transactions* to not incur a Monthly Service Fee.

Even though Zelle counts as EDD, this looks like more of a hassle now.

Access checking still waives the checking and savings monthly fees with $250 in EDD. Looks like there's no downside to downgrading unless you're a forum member who needs to write checks.

Went through my emails and haven't seen a notice from Citi yet. Friends who churn Citi, be careful not to get reverse-churned.

Citi regular checking now requires $1,000 in EDD to waive the monthly fee

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查布尔查布
查布尔查布2 days ago

If Zelle counts as EDD, shouldn't we confirm which transactions qualify as qualifying transactions?

fewfwe
fewfwe1 day ago

If you don't want to be tied down by a monthly fee, you could consider downgrading your regular checking to Access checking ahead of time—but only if you don't write many checks and can live with the $250 EDD requirement. Before you downgrade, though, it's best to check whether your account history could affect future sign-up bonuses.

rain42004
rain420041 day ago

Different states may have different rules in practice, so it's best to wait until you receive official notice before taking action—don't rush to change your account.

风吹那夜
风吹那夜1 day ago

Actually, it's also worth checking whether other banks offer similar no-monthly-fee policies—it pays to compare a few.

邓金辉
邓金辉1 day ago

If it doesn't take effect until 2027, does that mean we can still qualify for the monthly fee waiver under the old rules between now and the end of 2026? Also, if EDD lands right around the 1,000 threshold—say a fluctuation in wages leaves us short in a given month—would we be charged the monthly fee right away? Is there any grace period or a way to fix it?

余生
余生22 hours ago

The key point is that Citi raised the threshold for waiving the monthly fee, and the notice came late. When churning, make sure to keep enough balance or set up EDD, otherwise you could easily get hit with fees instead of coming out ahead.