What documents does Citibank require for ITIN customers?

Citibank asks for the CP565 notice, an unexpired passport, a second photo ID, proof of U.S. address (utility bill or lease), and an opening deposit. Foreign customers using Citi International Personal Bank can also use proof of foreign address.

What is the minimum deposit for a Citibank account with an ITIN?

The Citi Access Account opens with no monthly fee and a $0 minimum deposit if you set up direct deposit. The Citi Regular Checking account opens with $0 and has a $15 monthly fee that can be waived. International Personal Bank account tiers start at $50,000 in combined balances.

Can I use Citi Global Transfers between my ITIN account and a foreign Citi account?

Yes. If you also hold a Citi account in your home country, Citi Global Transfers allow fee-free same-day transfers between accounts in different Citi geographies. This is one of the main reasons international clients choose Citi.

Does Citibank report ITIN account activity to the IRS?

Yes. Citibank issues Form 1099-INT for interest earned on ITIN savings accounts, and Form 1042-S where applicable to non-resident aliens. Tax withholding rules depend on residency status as declared on Form W-8BEN or W-9.

Updated June 25, 2026

Citibank Account with ITIN: Non-Resident Guide 2026

Can You Open a Citibank Account With Only an ITIN in 2026?

Yes. Citibank's Customer Identification Program (CIP) accepts ITINs as a valid taxpayer ID. The product set — Citi Access Account, Citi Regular Checking, Citi Savings, and Citi Priority — is identical for ITIN and SSN customers. The main caveat is that the online application requires an SSN; ITIN holders must apply in person.

For the full Citi product breakdown, see the ITIN Citibank guide.

What Documents Does Citibank Require for an ITIN Account?

CP565 notice or a federal tax return showing the ITIN.
Unexpired passport with photo and signature pages intact.
Second photo ID: matrícula consular, foreign driver license, or U.S. state ID.
Proof of U.S. address dated within 60 days.
Opening deposit: $0 with direct deposit, $1+ otherwise.

Which Citibank Product Is Best for an ITIN Holder?

Product	Best For	Monthly Fee
Citi Access Account	First-time ITIN customer	$5 (waived with direct deposit)
Citi Regular Checking	Day-to-day spending + check writing	$15 (waived with $1,500+ balance)
Citi Priority	Customers with $30K+ at Citi	$30 (waived with balance threshold)
Citi International Personal	High-balance non-residents	Tier-based ($200K+ for top tier)

Why Is Citibank a Strong Choice for International ITIN Holders?

Citibank operates in 95+ countries. If you also hold a Citi account in your home country, Citi Global Transfers move funds same-day between Citi accounts at no cost. ATM access is fee-free at any Citibank ATM worldwide, and Citi Priority customers get fee waivers at non-Citi ATMs in many regions.

For a wider banking comparison, see the ITIN banking hub.

How Does the Citibank Branch Appointment Work?

Book the appointment online at citi.com or by phone with the branch directly.
Bring all required documents in originals (Citibank does not accept photocopies of ID).
The banker scans documents, runs the ChexSystems check, and opens the account in about 60-90 minutes.
You walk out with online-banking credentials and a temporary debit card. The permanent card arrives in 7-10 business days.

What If Your Local Citibank Branch Closed?

Citi closed many U.S. retail branches in recent years. In states without a physical branch, ITIN holders can still apply through Citi's International Personal Bank by phone if they meet the balance threshold, or open accounts at large Citi branches in neighboring states (New York, Florida, California, Texas, and Illinois have the densest networks).

Frequently Asked Questions About Citibank ITIN Accounts

Yes. Citibank accepts an ITIN in place of an SSN for personal checking and savings accounts. The account must be opened in person at a branch, or, for existing Citi International Personal Bank customers, opened remotely through the international relationship manager.

Ready to apply? Get your ITIN with a Certifying Acceptance Agent — $297 flat, ready in 7 days.