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. 

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

MAF’s client referral code is – 4HW9DYZH6C

Options to open an account:

1. Apply online at:  mafito.info/aabi
2. Apply over the phone:  Call 1-866-443-1607 and provide MAF’s client referral code.
3. Apply in person at a designated Citi branch near you. You must provide the teller with a referral flyer which includes MAF’s client referral code and other details for the teller.  At this time, Affordable Access Banking accounts can only be opened at select Citi branches. Please see below to see if there’s a branch near you.

If you do not have an SSN or ITIN, you must apply for an account in person at a designated Citi branch.

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

MAF’s client referral code is – 4HW9DYZH6C

Apply in person at a designated Citi branch near you. You must provide the teller with a referral flyer which includes MAF’s client referral code and other details for the teller.  At this time, Affordable Access Banking accounts can only be opened at select Citi branches. Please see below to see if there’s a branch near you.

Yes. When you open a Citi® Access Account Package account with MAF’s client referral code, you can indicate whether you’d also like to opt-in to open a linked savings account. The Citi Savings account does not have a minimum balance requirement or maintenance fee.

The Citi® Access Account Package can only be opened through a select list of designated 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
• 1325 Broadway, Oakland, CA 94612
• 200 W Taylor Street, San Jose, CA 95110
• 11 E 3rd Avenue, San Mateo, CA 94401
• 61 W Hillsdale Blvd, San Mateo, CA 94403
• 3615 S Vermont Avenue, Los Angeles, CA 90007
• 3479 E 1st Street, Los Angeles, CA 90063

We want to support you in finding a bank account that is right for you. If a designated 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.