Frequently Asked Questions

Opening a CitysGroup account is quick and fully online. Visit the website or mobile app, select "Open Account," and complete the application in a few minutes. You will need a valid government-issued ID, your tax identification details, and a smartphone for identity verification. Once approved, access is activated right away.

For personal accounts, you generally need a valid government-issued photo ID, your Social Security Number or Tax ID, your current residential address, and a funding source for any opening deposit. Business accounts also require items such as an EIN, formation documents, and beneficial owner information.

Our standard checking option has no minimum opening deposit. The CitysGroup savings option starts at $25. Premium and business accounts can have different requirements, but our core accounts are designed to stay simple once they are open.

CitysGroup uses layered protection that includes encryption for data in transit and at rest, two-factor authentication on logins, biometric sign-in, real-time fraud monitoring, ISO 27001 information security controls, and PCI DSS compliance for card activity. Eligible deposits are also FDIC insured up to $250,000.

If you spot any unauthorized transactions, contact us immediately via live chat, secure message, or email support and report it instantly within the app. We will freeze the affected account, investigate the activity, and if confirmed fraudulent, reverse the charges within 2–5 business days. We recommend enabling real-time push notifications so you are instantly alerted to every transaction.

Absolutely not. CitysGroup does not sell your personal information to third parties. We use data only to operate, secure, and improve our services. Our privacy practices align with GDPR, CCPA, and applicable financial data regulations, and you may request access to the data we hold about you.

Transfers within the CitysGroup network are instant. External US transfers sent by ACH usually take 1-2 business days, with same-day ACH available in some cases. International wires sent through SWIFT typically arrive within 1-4 business days depending on the destination. Real-time payment rails are used when available.

CitysGroup offers competitive international transfer rates. We charge a flat fee of $10 for international wire transfers, with exchange rates that are typically 0.5–1% above the mid-market rate — far lower than traditional banks. For transfers between CitysGroup accounts internationally, there is no transfer fee. You can see the exact fee and exchange rate before confirming any transfer in the app.

Yes. You can send money to someone by email address or phone number through our P2P feature, and they will receive instructions to claim the funds. You can also send money through external account details or by international wire to most destinations worldwide.

CitysGroup personal loan rates start from 5.99% APR for well-qualified borrowers and vary based on your credit score, loan amount, loan term, and overall financial profile. Rates range from 5.99% to 24.99% APR. There are no origination fees and no prepayment penalties. Use our online loan calculator to get an estimated rate before applying — checking your rate has no impact on your credit score.

Once you submit a complete mortgage application with all required documents, a conditional decision usually arrives within 2-3 business days. Our digital submission flow makes it easy to upload pay stubs, tax returns, and account statements. Full underwriting and closing generally takes 21-30 days, and pre-qualification is available in minutes.

The CitysGroup app gives you a complete account experience: real-time balances and activity, instant payments, bill pay, mobile check deposit, account and card controls, lending access, investing tools, live advisor chat, budgeting features, and biometric login. The app is available on iOS 14+ and Android 8.0+.

Yes. The CitysGroup app supports multiple accounts under one login, including personal accounts, business accounts, joint accounts, savings accounts, and investment portfolios. You can easily switch between accounts, set spending limits, and get a consolidated financial dashboard showing your complete net worth across all CitysGroup products.