Essay about PT CAP CitiBankAccount

Essay about PT CAP CitiBankAccount Essay about PT CAP CitiBankAccount There’s only one thing you need to help manage your fees. The facts. Citibank Account Package: Summary of Common Fees and Features Account Opening and Usage Minimum Deposit Needed to Open Account $0 Monthly Service Fee Waived When Requirements Are Met $20* $0 Pays Interest Yes for Interest Checking; No for Regular Checking Citibank ATM Fee $0 Get cash with no surcharge fee through our network of 34,000 ATMs in the U.S. Locate one near you at www.citibank.com/locations Non-Citibank ATM Fee $2.50 or waived Per withdrawal fee for using a Non-Citibank ATM. Waived if combined average monthly balance requirements are met. (No fee for Citibank transfers or balance inquires). Other banks may assess a third party ATM surcharge fee Deposited Check Returned Unpaid $12 Per check you deposit that is returned unpaid Stop Payment Fee $30 Per item you ask to stop payment on For Debit Card Purchases and ATM Withdrawals $0 If you do not have available funds to cover a debit card purchase or ATM transaction, we will decline the transaction at no cost to you. Fee will not be assessed more than 4 times per day when you do not have enough funds in your account. There are two types of fees: For Checks, ACH Debits, Service Fees or other transactions Overdraft Policies Waived if you have $15,000* in combined average monthly balances (see eligible linked products in Helpful Ways to Avoid or Reduce Fees section below) * Effective with your statement period that begins on or after January 1, 2015, the monthly service fee will increase to $25 and effective January 1, 2015, the average monthly balance to waive the monthly service fee and Non-Citibank ATM fee will be decreased to $10,000. Overdraft Fee (paid despite insufficient funds) Insufficient Funds Fee Overdraft Protection Transfer Fee (If you are enrolled in our Checking Plus line of credit or Safety Check linked checking to savings overdraft protection program) The order in which your deposits and withdrawals are processed $34 $34 An overdraft fee occurs when we pay the item despite insufficient funds An insufficient funds fee occurs when we do not pay the item $10 For each day we transfer funds to cover an overdraft in your checking account through your Checking Plus line of credit, linked savings account or money market account Transfer amount is a minimum of $100 or rounded up to the nearest $100 to cover the overdrawn balance and $10 overdraft protection transfer fee (i.e., if you overdraw your checking account by $52, we will transfer $100. If you overdraw your account by $225, we will transfer $300). Generally they are processed as follows: First: Deposits made before the cut-off time are added to your account balance Second: Transactions received real: ATM, debit PIN or teller withdrawals including cashed checks; transfers or Citibank Online bill payments initiated by you, debit card purchases at a merchant and most ACH debits* that we receive throughout the day Third: Fees for services we provide that have not already been debited from your account are deducted from your available balance Fourth: Checks presented for payment and any ACH debit* not deducted during the day are deducted from your remaining available balance in the order of lowest to highest dollar amount *ACH (Automated Clearing House) debits are received electronically through a merchant you have instructed to bill your checking account - i.e., for your utility or phone bill. Your Deposits and Withdrawals When your deposits to your checking account become available Cash Deposit with Teller Generally available immediately on same business day of deposit Cash Deposit at ATM Generally available immediately, but no later than next business day after the business day of deposit Check Deposit with Teller Generally available immediately on same business day of