Affordable Access Banking Initiative

An opportunity for MAF clients to access a safe
and affordable checking and/or savings accounts.

Bank accounts and services can help you build a financial foundation. If you decide that you want to open a bank account, it is essential to understand how they work and what your options are so you can find the one that’s right for you.

You may decide that a checking or savings account is the right product for you. When comparing banks and accounts, consider:

  • Bank, customer service & accessibility. 

  • account fees and terms.

  • account features that meet your needs.

MAF is partnering with Citi to offer the opportunity to access safe and affordable checking and savings accounts.

Citi® Access Account Package offers

Get a checking and/or savings account with no minimum balance or monthly service fees.

  • NO MINIMUM BALANCE

  • NO MONTHLY SERVICE FEES

  • NO OVERDRAFT FEES

  • ONLINE BILL PAYMENT

  • MOBILE CHECK DEPOSIT

  • AUTOMATIC TRANSFERS TO SAVINGS ACCOUNT

  • CITI MOBILE BANKING APP

      How to apply

      First, ensure that this bank account is right for you by reviewing some of its features above. If you decide to proceed, collect all the information and required documents to begin the process.

      If you have an ITIN or SSN, you can open an account online, over the phone, or in person at participating branches. If you don’t have an SSN or ITIN, you must open the account in person at a participating branch.

      Submit your application to Citi with proof of identity, address verification, and other personally identifying information. Once approved, you will have 90 days to add funds to your account.

      IMPORTANT: 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

      If you have an ITIN or SSN, you can apply:

      1. Online at:  mafito.info/aabi

      2. Over the phone: call 1-866-443-1607 and provide MAF’s client referral code: 4HW9DYZH6C

      3. In person at a participating 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 don’t have an ITIN or SSN, you can apply:

      1. In person at a participating 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.

      Requirements to apply

        • You must be at least 18 years old.
        • You must live in the United States.
        • If you don’t have an SSN or ITIN, you must be near a participating Citi branch to open the account.
        1. ONLINE OR PHONE

          • Submit a completed application 
          • Identity verification: You will be required to do this by either providing a one-time passcode (OTP) or by completing a knowledge-based answer verification (KBA). For KBA verification, an applicant may be asked about personal characteristics listed on the ID, personal assets, and/or previous employment information.


          IN PERSON

          • Submit a completed application 
          • Identity verification: Either a current driver’s license, state ID, foreign passport, consular ID, or other government-issued photo ID

        Participating Citi branches

        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.


        • 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

        Frequently Asked Questions

        Do you have a question that isn’t answered below?
        Please contact MAF at (888) 274-4808 or programs@missionassetfund.org.

        Why is MAF partnering with Citi to promote these accounts?

        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.

        How is Citi Access Checking different from a traditional checking account?

        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.

        Am I eligible to open an account?

        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.

        How do I open a Citi® Access Account Package with an ITIN or SSN?

        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.
        How do I open a Citi® Access Account Package without an ITIN or SSN?

        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.

        Does this offer include a savings account?

        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.

        Is this account available through all Citibank branches?

        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
        Where can I go if there aren’t any Citi branches near me that offer this account?

        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.

        What do I do if I encounter a problem when trying to open an account?

        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.

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