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Opening a Citigold Account with a Promotional Bonus
Citibank is often very generous with bonuses for setting up a Citigold checking account. In the past we have seen bonuses of 50K AAdvantage miles and 50K ThankYou points for opening an account. Here are the currently available promotions as of January, 2016.
Today I’ll walk you through every step of opening a Citigold account with a bonus code.
The Account Opening Process
Click through to Citi’s website and input your offer code. Once you input the code, click “Citigold Account Package” as shown.
Depending on a few factors, the next screen will vary. If the website knows your location and determines you can apply online, it will go through to the application. If it doesn’t know where you are, you may receive the following screen:
Most people should be able to select their state and then begin the application. Some people have reported receiving the following error message after selecting their state:
If you receive this message then don’t worry. This an error and you should be able to get past it. Many people have had success simply trying again. If you were logged in when you tried, then logout. Try a different browser or private/incognito mode. Everyone I have spoken to has been able to eventually apply online.
You will reach the following screen either after clicking “Citigold Account Package” on the first screen or after completing the location information. Simply verify the offer code is correctly in the box on the bottom right and then click “Get Started”.
You will now be asked for personal information. In addition to your name and address, you must provide your social security number, employment and income information. In my own experience and the experience of others, Citi only does a soft credit inquiry.
When all of the information is filled out completely in this section click “Next”.
The next screen will ask you to create a user id. If you already have an account you can click “Already have a User ID” towards the bottom. If you are logged in before you start the application then you may not see this screen at all.
Note: The first time I went through, when I tried to login to my id and I got an error and had to start the application over. I recommend trying to login first before starting the application unless you get the location error as described at the beginning.
You will now be asked to provide your e-signature. On this page you can read all of the account disclosures. Also verify your name and social security number. You are required to check two boxes before clicking “Next” to continue on.
At this point Citi will try to verify your identity with cool questions like, “Where does this family member live?” or “What county is this address in?” Hopefully you know the answers to prove you are you!
Funding the Account
For most of you, funding will be a BIG DEAL! This is because Citi allows you to fund a checking account from a credit card up to $100K. Keep in mind that some banks do charge cash advance fees, so it is probably a good idea to lower your cash advance limit to $0 before attempting this.
You can only fund with a credit card when setting up the account. If you want to fund with a credit card make sure you DO NOT put in checking information. Instead click “choose another funding option” on the bottom.
You can now choose how much to fund your account with. Make sure to click and download the authorization form. If you forget to do it in this step, you will have one more chance to do so at the end of the process. Once you have input the initial funding amount, click “Next”.
On this next screen you will select your four digit account PIN. Click “Next” when you are done.
Now you must agree to the User Agreement. Once you have read through everything click “I Agree”.
Congratulations your account is now open! You should now be at the following confirmation screen. If you forgot to download the credit card authorization form, you can do it now.
Confirming the Bonus
After your account is setup you should see it when logged in. You definitely don’t need to do this, but I like to confirm the amount and terms of the bonus via Secure Message. To do that, simply select “Message” on the top and then “Send a Message”.
Once in the message center simply select the new Citigold checking account and the subject “Promotional Offer”. I generally just state the terms and bonus as I understand them and ask that they confirm them for me.
While it can seem complicated to see the process broken down like this, it takes less than 10 minutes from beginning to end to open a Citigold checking account. If you have questions about the recent offers or about specifics to the bonuses and accounts, you will most likely find the answer in the body or comments of this post.
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