Citibank Online

Citibank Online is interactive banking you can access through the internet. You can manage your finances on the internet with a simple click of a mouse anytime from anywhere in the world. Banking transactions from paying bills to transferring money to another account either locally or internationally becomes easier and faster. You get clear and accurate details of your banking transactions since it happens right before your eyes.

What kind of computer do I need?

You'll need a Windows based PC or an Apple Macintosh using the following web browsers:

• For Windows PC, Microsoft Internet Explorer 5.5/Netscape 7.0 or above.
• For Macintosh, Safari 1.0/Netscape 7.0 or above

If you are using older version browser, it is recommended that you download the more recent versions from the official Netscape or Microsoft website.
 

Do I need to special software that requires downloading or picking up of a software disk at Citibank?

No, as Citibank Online is fully browser based, no extra software is required.

Do I have to pre-register or pay additional fees for this service?

Citibank Online banking is absolutely free! If you are a Citibank Checking or Savings customer, or you have a Citibank Guam Credit Card, you may automatically log-on to access your account information and transact as needed, 24-hours 7-days a week.

How do I log on?

If you are logging on for the first time, you need to setup your user id and password. Click the "First Time Here" link on the login page.

In the following screen enter the following:

If you are a Citibank Banking Customer, you need to enter your Citicard / ATM Card number, ATM PIN,
and any linked Citibank Account No (Savings/ Checking / Loans etc)

If you are a Citibank Credit Card Customer, you need to enter your Credit Card number, Cash Advance PIN and your Credit Card no.

On clicking continue, you will see the User ID and Password seup screen. Please take note of the following when you create your loign profile.

User ID:  Must be minimum 6 characters with at least 1 letter and 1 number. User ID should not have 3 of the same characters in a row (eg. 2aaa or b999) or 3 consecutive characters (eg. abc1 or a123).

Password: - Must be minimum 6 characters with at least 1 letter and 1 number. Password should not have 3 of the same characters in a row (eg. 2aaa or b999) or 3 consecutive characters (eg. abc1 or a123).

The password cannot be entered through the keyboard, please use your mouse to enter your password using the onscreen keyboard.

The next screen will display the Citibank Online User Agreement. Please read this carefully and select "I Agree" / "I Disagree" to continue.

If you select "I Agree", you will be taken to the final confirmation screen which will display your User ID.

Please take note of this User ID and password as for all your subsequent logins you will be using this User ID and password.

What is my card number and PIN?

Your card number is the 16-digit number that appears on your Citibank Credit Card or Citicard (ATM card.) Your PIN is your "personal identification number" issued to you with your card. Important to remember: Your CitiPhone Banking Self Service telephone PIN (TPIN) will not work with Citibank Online.

If you do not have an ATM PIN, you can get one at our Hagatna Branch. Or, if you do not have a Cash Advance PIN for your Citibank Credit Card, please call our 24-hour CitiPhone at 477-2484(CITI).

How do I reset my password?

Click "Need Help" from the login page and choose the "Password Reset" option. You will have to enter your user id and the following:

If you are a Citibank Banking Customer, you need to enter your Citicard / ATM Card number, ATM PIN,
and any linked Citibank Account No (Savings / Checking / Loans etc).

If you are a Citibank Credit Card Customer, you need to enter your Credit Card number, Cash Advance PIN and your Credit Card no.

What if I forget my User ID?

Click "Need Help" from the login page and choose "Request a User ID reminder". In the next screen, enter your ATM / Credit Card No and ATM PIN / Cash Advance PIN to display the user ID.

Can I use Citibank Online from another person's computer or from a cybercafe?

Certainly, If you have internet access through a modem of any PC, you may use your Internet Service Provider (ISP) account to access Citibank Online. If you are in a business environment and are connected to the internet via LAN, you should also be able to use Citibank Online. Citibank Online can be used from any PC that meets the minimum PC configurations and it can be accessed from your home, your office or even from your laptop when you are on the move.

Can I use Citibank Online overseas?

Yes, as long as you have signed up with your ISP's roaming service. Or you can also access from any computer that has internet connectivity from wherever you are staying. Just enter www.guam.citibank.com and you can access your finances anywhere, anytime.

General Services

What kind of banking can I do with Citibank Online?

If you're a Citibank Checking or Savings account customer, you can:

• View your account summary
• View your recent account activities
• Check your balance information
• Transfer funds between your Citibank Guam accounts
• Transfer funds to another person who has a Citibank
• Transfer funds instantly to another Citibank account abroad using the new Citibank Global Transfer.
• Guam Checking or Savings account,
• Pay your utility bills, such as power and water.
• Create your own, personal list of payees, allowing you to transfer funds from your Citibank Guam account to a checking account with any other approved Guam bank.
• Pay your Citibank Personal Loans or Citibank Credit Card.

If you only have a Citibank Guam Credit Card, you can:

• View your account balance.
• View your recent card activities.
• Pay your utility bills, such as power and water.
• Change your cash advance PIN.
• Pay your child's private-school tuition.
• Download your account activity into MS Money/Quicken/Excel.

Some of the general services all customers enjoy are:

• Secure email communication.
• Open additional Checking or Savings accounts.
• Request bank drafts.
• Inquire on time deposit rates.
• Order telegraphic or wire transfers.

I have a Citibank Credit Card from the states, will I be able to see my account information on this web site?

No, this service is for Guam-based accounts only. However, visit our U.S. site at www.citibank.com for information on U.S. card accounts. Or, if you have a Citibank Credit Card from one of the other 100 countries in which we do business, you can visit their respective home page for your account information. Country-specific links can also be found at under the "Select a Country" drop-down menu found above.

Can I use Citibank Online banking for my business accounts?

Yes, provided you have a Citicard attached to your account.

If I have made a transaction through Citibank Online, will the information be updated immediately?

Yes, select transactions made will be updated accordingly. However, bill payments may require next day processing depending on the time when the Citibank Online transaction was conducted.

I can pay my utility bills online? How?

Yes, you can pay your water, power, telephone, and even long distance bills by "selecting a payee" and typing in your account number. The menu will guide you through the rest of the payment process that takes seconds to complete, yet saves you hours from driving to each location and standing in line!

But I like to visit the branch to make sure my transactions have been processed. What are the primary benefits of using Citibank Online?

It's CONVENIENT

Whether you are a first time internet user or a regular net surfer, you can access Citibank Online with ease. What's more, you can manager your account anywhere you are, at anytime of the day, everyday.

It's PRACTICAL

If you don't like waiting in lines or going to a bank branch to do simple transactions, you no longer have to. We will save you the trip by giving you yet another way of reaching us. Aside from the 24-hour CitiPhone and the Citicard Banking Centers, Citibank Online is an alternative channel that connects you to Citibank.

It's FREE

The service is absolutely FREE. There are no joining fees. As long as you have a Citicard or Citibank Credit Card, you can log on to your Citibank Online session. Begin transacting online anytime you wish.

It's SECURE
Messages between Citibank and your PC are encrypted ensuring the privacy and security of your account.

It's RELIABLE
With years of experience in online banking and the prestigious Best Consumer Internet Bank Award 2004 and 2005, you are assured of the reliable service that only a global banking leader like Citibank can provide. 

If you still want to obtain a confirmation of your transaction, you can always print a summary report of all your Citibank Online transactions at the end of your session for your records.

How do I end my Citibank Online banking session?
You will need to click on either the icon "Home Page" or "Log-Off" at the top navigation bar. You will then be prompted with this message "Do you want to exit your secure Citibank Online session?" You may click "OK" to confirm your exit or "Cancel" to continue your Citibank Online activities.

Stay Connected!

I have no difficulty in accessing Citibank Online Banking previously but I tried several times today and they all failed. What can I do?

You may wish to follow these simple steps before trying to reconnect:

For Netscape 7.0

1. Click on "Edit" and choose "Preferences"
2. Double-click on "Advanced"
3. Choose "Cache"
4. Click on both "Clear Memory Cache" and "Clear Disk Cache"
5. Click on "OK"
6. Close your browser

For Internet Explorer 5.5

1. Click on "View" and choose "Internet Options"
2. Click on "General"
3. Choose "Temporary Internet Files" and click on "Delete Files"
4. Click on "Yes" to confirm
5. Close your browser

Now you are ready to connect again.

If I have problems accessing my internet account, who should I contact for help?

You should approach your own Internet Service Provider for assistance.

Why doesn't the browser BACK or FORWARD command work correctly?

The browser's BACK and FORWARD navigation commands are disabled while you are signed in to Citibank Online. Please use the navigation buttons presented within the Citibank Online window.

I'm a bit nervous about trying Citibank Online with my live account information. Is it safe?

Citibank is the original pioneer of online banking services. We are recognized around the globe for employing the highest level of expertise in the industry and investing in the most reliable of technology to keep your transactions safe. Citibank Online currently offers 3 levels of security to help safeguard your financial information.

Strong Encryption (128-bit)

All data sent to and from Citibank is "scrambled" and "re-assembled" between Citibank and your personal computer to protect your personal and financial information. 128-bit encryption, the highest level of encryption generally available today, means there are 2 to the power of 128 possible combinations of "keys" but only that will "unlock" the information.

Automatic Time Out
When there is no activity for 5 minutes, Citibank will terminate your secure Citibank Online session. This is a security feature in the system that will prevent the unauthorized use of your session by anyone else.

How can I verify that the Citibank Online pages belong to Citibank?

Here are some steps that you may wish to follow:

Always type in www.guam.citibank.com or only use a bookmark that you previously filed.

Click on the image of a lock or a key at the bottom of the browser window when you have reached the page that needs your Card Number and PIN input. You will see the Security Info page.

Click on the "View Certificate" button. You will see the Certificate page. These things must be done BEFORE typing in your Card number and PIN.

If any of these tests fail, you should contact our 24-Hour CitiPhone at 477-CITI (2484) and notify our officers.

I clicked on the upper right corner of one of the boxes and I lost my connection. I tried connecting to Citibank Online but failed to do so. What should I do?

This is a security feature that will require you to exit by either choosing "Citibank Home Page" or "Sign-off". In this instance, the system will take about 5 minutes to connect you again.

What if my computer crashes or I get disconnected for the Internet by accident? How will I know that my transfers have been effected or the payments made?

Don't worry. Just call our 24-Hour CitiPhone at 477-2484(CITI) to check if your instructions have been received and carried out.

I have encountered an error message mentioning JavaScript. What should I do?

You should follow the instructions provided on the JavaScript enabling page.

Who should I send email to in the event that I have Citibank Online related questions?

We have a secure email facility that you can use to send us your questions. Simply select the "General Information" bar on the left-hand side menu, draft your message and click on the "Send Message" button.

If I have problems with my Citibank Online transactions or access, who can I request
for assistance?

You may call the 24-Hour CitiPhone at 477-2484(CITI) and cite the relevant error codes where available. This will enable us to identify the problem and give you the necessary assistance.

Where can I obtain a copy of the terms and conditions governing the use of Citibank
Online?

You can find the information by clicking on the "Notices" button in Citibank Online.