Citibank Premium Checking Account

A unique integrated savings & checking account which offers attractive interest rates. Comes with a personalized Citibank cheque book.

Citibank Premium Checking AccountNon-Citigold
Interest Rate
0.1% to 1.15% p.a.
Service Charge
RM15
Min. Deposit
RM5,000
Phone Banking
Available
Account Statement
eStatement (via email)
Cheque Book
Free

Interest Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountInterest Rate
RM10,001RM100,0000.1% p.a.
RM100,001RM200,0000.15% p.a.
RM200,001RM500,0000.4% p.a.
RM500,001RM1,000,0000.9% p.a.
RM1,000,001No maximum1.15% p.a.

Features

What would make it different?

Overdraft
Ready Credit
Online Banking
Citibank Online
Mobile App
PIDM Protected
Up to RM250,000

Fees & Charges

Service Charge
RM15 undefined waived with monthly average balance of RM5,000
Cheque Book Issuance Fee
RM7.50
Early Closure Fee
RM10
Dishonoured Cheque Fee
RM100
Stop Payment Cheque Fee
RM10

Requirements

Minimum Age
  • 18 years old
Minimum Initial Deposit
RM5,000
Who can apply
  • Malaysians

More Information

What is Citibank Premium Checking Account about?

Citibank Premium Checking Account is an integrated deposit account that combines savings and current accounts' features, and opens to all Citibank customers. This interest-bearing checking account rewards profit when your balance hit a minimum of RM10,000. 

To open an account, you only need a minimum deposit of RM5,000 for Citibank customer, and RM10,000 for Citigold members.

How is the interest rate calculated?

The interest rate will only be charged when you have a balance of at least RM10,000 in your checking account. The highest interest rate for Citibank accountholders is 1.15% p.a., when your account balance reach RM1 million. 

However, Citigold customers will earn slightly less percentage as compared to Citibank members such as below:

Balance RangeInterest Rate (p.a.)
RM10,001 - RM100,0000.10%
RM100,001 - RM200,0000.25%
RM200,001 - RM500,0000.50%
RM500,001 - RM1,000,0001.00%
RM1,000,000 & above1.25%

What do I get upon opening of this Citibank current account?

There are more than meet the eyes with Citibank Premium Checking Account, such as:

  • Citibank Debit & ATM card and a personalized cheque book will be issued to you within 3 days after successful account opening
  • Convenience of cross-border fund transfers and account overview via Citibank Global Transfer and Online Global View
  • Emergency cash withdrawal up to US$10,000 at any Citibank branches worldwide
  • Access to over 20,000 Citibank ATM worldwide, 11,000 MEPS ATMs nationwide
  • Free Interbank GIRO fund transfer which otherwise could cost you RM0.10...and many more!

Is it safe to keep my money in this current account?

Absolutely. You can rest assured that your fixed deposit with Citibank is guaranteed up to RM250,000 by Perbadanan Insurans Deposit Malaysia.