Overdraft, Fraud & ID Theft Protection

Even the mere thought of ID theft is scary. And if you're ever a victim, we have a team of specialists dedicated to help you re-establish your credit and reclaim your identity. This free service helps to cover you against loss in the unlikely event there are unauthorized electronic funds transfers in your Citibank deposit accounts. Apply for the overdraft protection you need to make bounced checks a thing of the past.

Few things in life are more frustrating than bouncing a check. That's why there's Safety Check. Just because you're out, doesn't mean you have to be out-of-touch with your accounts. Get free4 updates about your bank and credit card accounts by text or email. 1. A Checking Plus (variable rate) line of credit account will prevent a check from being returned unpaid only to the extent your line of credit is unused and available for this purpose.

10 on the day overdrafts are covered by transferring money from your Checking Plus line of credit account, Checking Plus® (variable rate) line of credit account or Safety Check Contributing Account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. Citi Private Bank customers.

Overdrafts and Overdraft Protection Transfer Fees can be avoided if fund transfers are taken in advance via online, phone or ATM. 3. Rates as of 07/13/2018. Current variable Annual Percentage Rate (APR): 20.00%; 17.00% variable APR with the Citigold Account Package and the Citi Priority Account Package. Subject to credit approval. Rates are subject to change without notice. The terms, conditions and fees of accounts, products, programs and services are subject to change.

In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information. Q: What information do I need to provide to get my free report,

A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment.

Each company may ask you for different information because the information each has in your file may come from different sources. Q: Why do I want a copy of my credit report, A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud.

Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job. Q: How long does it take to get my report after I order it, If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity. Q: Are there any other situations where I might be eligible for a free report, Q: Should I order a report from each of the three nationwide credit reporting companies, A: It’s up to you.



Because nationwide credit reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different. Q: Should I order my reports from all three of the nationwide credit reporting companies at the same time, A: You may order one, two, or all three reports at the same time, or you may stagger your requests.