For many, accessing a safe and affordable bank account can be the first step toward financial stability. We believe that banking services should be available to everyone.

Without an accessible and affordable bank account, individuals are more likely to rely on alternative financial service providers that charge high fees for services such as check-cashing, money orders, and remittances. At their best, these alternative financial service providers can be costly. At worst, they can be predatory and place individuals in a difficult financial position. 

At MAF, we want to make sure community members are aware of their options for accessible and affordable financial services. Since the Citi® Access Account Package removes many barriers to banking, we are partnering with Citi to promote these accounts as an option that may meet community needs.

Citi’s Access Checking account is a transaction account, which means there are no paper checks provided with the account. You may send payments using the online bill payment feature or by going to a local branch to obtain a cashier’s check.

Additionally, this account does not allow you to spend more money than what is available in your account. To avoid overdraft fees, any transactions that exceed the total amount you have available to spend in your account will not be approved.

Citi’s Access Checking account meets 2021-2022 National BankOn Account Standards. Citibank deposit accounts are FDIC-insured.

To open an account, you must live in the United States, be at least 18 years old, provide proof of identity, and submit a completed application.

You can open an account online, over the phone, or in person at participating branches.

You must provide MAF’s client referral code to access this special offer. Accounts opened without the referral code are subject to the standard fees, terms, and conditions.

To open an account without an ITIN or SSN, you need to visit a participating Citi branch near you. We recommend you call the branch to schedule an appointment and inquire about the documentation you must bring.

You must provide the bank employee with a referral flyer that contains MAF’s referral code to access this special offer. Accounts opened in person without the referral code are subject to standard fees, terms, and conditions.

Yes. When you open an account, you can indicate whether you’d also like to opt-in to open a linked savings account. The Citi Savings account has no minimum balance requirement or maintenance fee. Please review your options to connect to an account.

To access this special offer, you must provide MAF’s referral code. Accounts opened in person without the referral code are subject to the standard fees, terms, and conditions.

The Citi® Access Account Package can only be opened through a select list of participating Citi branches. We will update this page as Citi expands the program to service additional branches.

Current list of branches you may visit with the MAF referral flyer to open an account:

• 4638 Mission Street, San Francisco, CA 94112 – Telephone: (415) 528-3602
• 1325 Broadway, Oakland, CA 94612 – Telephone: (510) 250-7748
• 200 W Taylor Street, San Jose, CA 95110 – Telephone: (408) 217-1757
• 11 E 3rd Avenue, San Mateo, CA 94401 – Telephone:  (650) 513-2847
• 61 W Hillsdale Blvd, San Mateo, CA 94403 – Telephone: (650) 513-2845
• 3615 S Vermont Avenue, Los Angeles, CA 90007 – Telephone: (323) 373-3364
• 3479 E 1st Street, Los Angeles, CA 90063 – Telephone: (323) 825-3218

We want to support you in finding a bank account that is right for you. If a participating Citi branch is unavailable near you, please schedule a meeting with a MAF financial coach to discuss your banking options. You can schedule an appointment for a free financial coaching session at mafito.info/coaching.

If you experience any technical issues while opening the account, please get in touch with Citi by calling 1-866-443-1607 to connect with a bank representative.

If you are experiencing any challenges with applying to an account or are denied an account and would like support to understand why, please let us know by emailing us at programs@missionassetfund.org.