Citi Mobile

Citi Mobile Review: The Lock Switch Earns Its Place

Citi Quick Lock Freezes a Card in One Tap

The feature worth knowing before you need it sits under the card list. Quick Lock temporarily blocks new purchases, cash advances and non-recurring charges on a chosen card while leaving recurring payments running, and unlocking is the same switch. That distinction matters: a frozen card that also kills a subscription creates a second problem. Each card in the account has its own toggle, so a misplaced debit card can be shut down without touching the credit card in the same wallet. Nothing has to be cancelled or reissued if the card turns up in a coat pocket.

A Free FICO Score and ThankYou Points on the Same Screen

The score is a real FICO figure with six months of history and the factors behind it, included with select Citi cards at no charge. Rewards sit next to it: the ThankYou balance appears above the transaction list, so redeeming does not mean a separate portal. Payments cover the practical middle — AutoPay per card, a due date and minimum shown before the button, and a Dispute Charge link on the individual transaction rather than buried in support. Cheques deposit through the camera and an ATM finder maps branches by city.

$250 in Direct Deposits Clears the Monthly Fee

The app is free; the account is where money changes hands. Regular Checking waives its monthly service fee in any month with $250 or more in direct deposits or other qualifying transactions, and the fee also disappears for customers in the Citi Priority, Citigold and Citigold Private Client relationship tiers. Google Play records the collected data as personal information only, with location, personal information and app activity listed as shared with third parties — a shorter list than most banking apps declare, though the app has passed ten million Android installs.