Citi is rolling out Premium Boost, a new relationship-banking programme that will link enhanced savings rates to customers’ account balances and qualifying monthly activity.
The bank announced the programme on September 24, 2026, with automatic enrolment for new customers opening a Citi Savings account and Regular Checking account beginning October 26.
The programme is aimed at customers in Citi’s Priority, Citigold and Citigold Private Client tiers.
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How Citi Premium Boost works
Citi Premium Boost does not provide one universal rate for every customer.
Instead, the benefit is tied to the customer’s relationship tier, combined average monthly balance and completion of specified activities.
Citi said eligible customers can receive enhanced savings rates as they deepen their banking and investing relationship with the institution.
| Relationship tier | Combined average monthly balance | Monthly requirement |
|---|---|---|
| Citi Priority | $30,000 to $199,999.99 | $5,000 in direct deposits or other qualifying checking transactions, or a $25,000 average monthly balance in eligible Citi Personal Wealth Management investment accounts |
| Citigold | $200,000 to $999,999.99 | $5,000 in direct deposits or other qualifying checking transactions, or a $25,000 average monthly balance in eligible Citi Personal Wealth Management investment accounts |
| Citigold Private Client | $1 million or more | Maintain a Citi Regular Checking account |
The requirements apply monthly to both new and existing clients enrolled in Premium Boost.
Citi’s announcement did not publish the specific savings rates attached to each tier in the release.
Who can qualify for Citi Premium Boost
Citi Premium Boost is designed for customers who already maintain a substantial relationship with the bank through deposits, investments or both.
For Citi Priority and Citigold clients, the main options are meeting the $5,000 monthly direct-deposit or qualifying-transaction threshold, or maintaining a $25,000 average monthly balance in eligible investment accounts with Citi Personal Wealth Management.
Citigold Private Client customers face a different condition: they must own a Citi Regular Checking account.
The structure means that customers who do not regularly use Citi for direct deposits, checking activity or investments may not qualify for the enhanced rate associated with their relationship tier.
Customers should also confirm the bank’s definition of qualifying transactions and review the applicable account terms before changing how they manage deposits or investments.
What the launch means for Citi customers
The launch gives Citi customers another incentive to consolidate everyday banking and wealth-management activity with the same institution.
That approach can make account management simpler for some clients, but it also means customers may need to maintain larger balances or move regular income deposits to preserve access to the programme’s benefits.
Citi said Premium Boost builds on existing Relationship Tier benefits, including access to wealth teams, selected fee waivers, relationship pricing on some lending products and lifestyle benefits.
The bank also pointed to recent changes to its Access Checking account, including fee waivers for customers aged 23 or younger, and a new digital process for setting up direct deposits.
Those changes form part of Citi’s broader effort to create a more unified relationship-banking model across deposits, lending, investments and personal banking.
What happens next
New customers who open the specified Citi Savings and Regular Checking accounts from October 26 will be automatically enrolled in Premium Boost, according to Citi.
Existing eligible customers can also participate, provided they meet the applicable monthly requirements.
The programme is being introduced ahead of Citi’s third-quarter 2026 earnings call, scheduled for October 13, when the bank is expected to discuss its financial performance and business priorities.
For customers comparing savings products, the most important details to check will be the actual rate available, the balance needed to qualify, any account fees and the consequences of missing a monthly requirement.
Rates and terms can change, so customers should rely on Citi’s current account disclosures rather than assume that eligibility alone guarantees a particular return.
Frequently Asked Questions
What is Citi Premium Boost?
Citi Premium Boost is a relationship-banking programme that offers eligible customers enhanced savings rates when they meet account-balance and monthly banking or investment requirements.
When does Citi Premium Boost begin?
New customers opening a Citi Savings account and Regular Checking account will be automatically enrolled beginning October 26, 2026.
Which Citi customers are eligible?
The programme is designed for customers in the Citi Priority, Citigold and Citigold Private Client relationship tiers.
What does a Citi Priority or Citigold customer need to do?
They must generally complete $5,000 in monthly direct deposits or qualifying checking transactions, or maintain a $25,000 average monthly balance in eligible Citi Personal Wealth Management investment accounts.
Does Citi’s announcement state the exact Premium Boost savings rates?
No. Citi’s announcement explains the eligibility structure but does not list the specific savings rates for each relationship tier.
Fact-Checked: Key dates, tier thresholds and monthly requirements were checked against Citi’s official September 24, 2026 announcement and its investor-events information. ([citigroup.com](https://www.citigroup.com/global/news/press-release/2026/citi-launches-premium-boost-transforming-client-rewards-banking-relationship))
Disclaimer: Account eligibility, rates, fees and qualifying-activity definitions may change; customers should review Citi’s current disclosures before opening or changing an account.