Best: Citibankwww.citi.comWhy it won: Clients who maintain big balances enjoy prime treatment and can visit branches around the nation and world.Standout account: The Citigold account package provides a load of complimentary services and unique benefits. Where it is: More than 650 branches in nine states—with many in California and New York—plus Washington, D.C. Terms and rates are for New York City. The Citigold account package is available to those who keep at least $200,000 in eligible Citi deposit, retirement and investment accounts. Citigold customers have a relationship manager as a point person and a wealth adviser who provides financial planning and investing guidance. You get a free checking account and savings account (0.12% yield), as well as complimentary standard checks, stop payments, overdraft transfers, wire transfers and money orders. Plus, all out-of-network ATM surcharges are reimbursed. Up to $200 annually is refunded for subscriptions, including Amazon Prime, Costco membership fees, Hulu, TSA Precheck and Spotify Premium. Travelers benefit from waived foreign-transaction fees on debit card transactions; free next-day delivery of foreign currencies to your home, office or nearby bank branch; concierge services; and access to more than 100 Citigold lounges globally (attached to Citi properties), which provide refreshments and Wi-Fi. Other perks include complimentary or discounted admission to select cultural institutions and access to special events, such as private dinners with top chefs and reserved seating at sporting events.Customers who keep at least $1 million in deposit, retirement and investment account balances are eligible for Citigold Private Client, which comes with additional benefits, such as heightened ATM withdrawal and purchase limits with your debit card and advanced wealth planning. Runner-up: Chasewww.chase.comWhy it won: Chase’s premium accounts are attractive, and the bank has an extensive branch presence.Standout account: Sapphire Banking comes with reduced fees and other benefits for customers who keep a $75,000 balance.Where it is: More than 4,900 branches in all of the lower 48 states and Washington, D.C. With Sapphire Banking, those who hold at least $75,000 in eligible Chase deposit and investment accounts skip the $25 monthly fee. The checking account reimburses all out-of-network ATM fees worldwide and charges no fees for stop payments, wire transfers, money orders, cashier’s checks, standard checks, foreign transactions, the first four overdraft fees in a 12-month span, and a small safe-deposit box. 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The right answer for you could depend on this: Where would you pull the money from to do it?”,”url”:”/retirement/604813/im-retired-should-i-pay-off-my-mortgage”,”contentType”:”ARTICLE”,”teaserLabel”:”retirement”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–l_XtIuo—/v1655385814/RetireeHome22.jpg”,”width”:3200,”height”:1800},”updated”:”2022-06-20T04:42:05-04:00″,”isSponsored”:false,”sponsor”:null},”WhitepaperResource:602288″:{“id”:”602288″,”__typename”:”WhitepaperResource”,”title”:”Your Guide to Roth Conversions”,”altTitle”:null,”subtitle”:”A Kiplinger Special Report”,”url”:”/taxes/602288/your-guide-to-roth-conversions”,”contentType”:”WHITEPAPER”,”teaserLabel”:”Tax Breaks”,”cta”:”Get the free report”,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–Gm3YGczO–/v1614121225/roth-ira-vs-regular-ira.png”,”width”:1690,”height”:950},”updated”:”2021-02-25T18:22:49+00:00″},”Article:604809″:{“id”:”604809″,”__typename”:”Article”,”title”:”3 Ways to Keep Inflation from Shrinking Your Retirement”,”altTitle”:null,”subtitle”:”Higher prices are tough on retirees, but there are a few ways to protect your nest egg from “shrinkflation” during these trying times.”,”url”:”/personal-finance/inflation/604809/3-ways-to-keep-inflation-from-shrinking-your-retirement”,”contentType”:”ARTICLE”,”teaserLabel”:”Inflation”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–VoAijTx—/v1655380034/PiggyMeasuringTape.jpg”,”width”:3200,”height”:1800},”updated”:”2022-06-17T04:30:05-04:00″,”isSponsored”:false,”sponsor”:null},”Gallery:604819″:{“id”:”604819″,”__typename”:”Gallery”,”title”:”7 Standout Places to Retire”,”altTitle”:null,”subtitle”:”We picked cities across the U.S. that are affordable and offer the amenities retirees value most. Plus, one of them is bound to be close to family.”,”url”:”/retirement/happy-retirement/604819/7-standout-places-to-retire”,”contentType”:”GALLERY”,”teaserLabel”:”Best Places”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–fU8WPBpX–/v1655485244/kpf/08_Aug2022/Places_to_Retire_2022/KPFM_retire_places_intro.jpg”,”width”:3200,”height”:1800},”updated”:”2022-06-17T15:41:49-04:00″},”Article:604833″:{“id”:”604833″,”__typename”:”Article”,”title”:”Best National Banks”,”altTitle”:”Best National Banks”,”subtitle”:”These large, brick-and-mortar institutions have branches in several states (as well as online banking), so they’re solid choices if in-person assistance is important to you. They also have broad account offerings and investment and wealth-management services”,”url”:”/personal-finance/banking/604833/best-national-banks”,”contentType”:”ARTICLE”,”teaserLabel”:”banking”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–4e7THDmo–/v1580335662/slideshow/investing/T052-S015-5-ways-to-avoid-losing-money-in-the-new-year/images/bank.jpg”,”width”:1280,”height”:800},”updated”:”2022-06-23T00:51:48-04:00″,”isSponsored”:false,”sponsor”:null},”Article:604838″:{“id”:”604838″,”__typename”:”Article”,”title”:”Best Banks for Retirees”,”altTitle”:null,”subtitle”:”With these institutions, retirees avoid pesky fees on checks and paper statements and have access to an array of additional wealth and investment services.”,”url”:”/personal-finance/banking/604838/best-banks-for-retirees”,”contentType”:”ARTICLE”,”teaserLabel”:”banking”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–JaLwa2Ya–/v1596395392/RetireeGuitar.jpg”,”width”:3200,”height”:1800},”updated”:”2022-06-23T00:14:55-04:00″,”isSponsored”:false,”sponsor”:null},”Article:604836″:{“id”:”604836″,”__typename”:”Article”,”title”:”Best Credit Unions”,”altTitle”:null,”subtitle”:”Credit unions are not-for-profit institutions owned by their members. Those listed here are open to anyone in the U.S.; if you are not eligible based on geographic or employer affiliations, use the method listed in the “How to join” section to become a member.”,”url”:”/personal-finance/banking/credit-union/604836/best-credit-unions”,”contentType”:”ARTICLE”,”teaserLabel”:”credit union”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–b_23ELVV–/v1592466410/credit-union-intro-POLARIS.jpg”,”width”:3200,”height”:1800},”updated”:”2022-06-23T00:12:28-04:00″,”isSponsored”:false,”sponsor”:null},”Article:604835″:{“id”:”604835″,”__typename”:”Article”,”title”:”Best Internet Banks”,”altTitle”:null,”subtitle”:”These institutions operate fully online, which decreases their overhead costs and allows them to offer lower fees and higher rates than many other banks.”,”url”:”/personal-finance/banking/online-banking/604835/best-internet-banks”,”contentType”:”ARTICLE”,”teaserLabel”:”online banking”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–sAGw1h-P–/v1631537073/person_at_computer.jpg”,”width”:3200,”height”:1800},”updated”:”2022-06-23T00:09:16-04:00″,”isSponsored”:false,”sponsor”:null},”Author:600069″:{“id”:”600069″,”__typename”:”Author”,”name”:”Lisa Gerstner”,”url”:”/authors/lisa-gerstner”,”shortBio”:”u003cp>Lisa has spent 15 years with u003cem>Kiplinger’s Personal Financeu003c/em> and heads up the magazine’s annual rankings of the best banks, best rewards credit cards, and financial-services firms with the best customer service. She reports on a variety of other topics, too, from retirement to health care to money concerns for millennials. She has shared her expertise as a guest on the u003cem>Today Show,u003c/em> CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.u003c/p>”,”jobTitle”:”Contributing Editor”,”type”:”Staff”,”disclaimer”:null,”generalLegalDisclaimer”:”This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the u003ca href=”https://adviserinfo.sec.gov/”>SECu003c/a> or with u003ca href=”https://brokercheck.finra.org//”>FINRAu003c/a>.”,”company”:”Kiplinger’s Personal Finance”},”DataBlock:20718bb4dbc8f2169ee6df49d6d864e4e9439a6d”:{“id”:”20718bb4dbc8f2169ee6df49d6d864e4e9439a6d”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cul>u003cli>u003ca href=\”http://www.kiplinger.com/personal-finance/banking/604833/best-national-banks\”>Best National Banksu003c/a>u003c/li>\nu003cli>u003ca href=\”https://www.kiplinger.com/personal-finance/banking/online-banking/604835/best-internet-banks\”>Best Internet Banksu003c/a>u003c/li>\nu003cli>u003ca href=\”https://www.kiplinger.com/personal-finance/banking/credit-union/604836/best-credit-unions\”>Best Credit Unionsu003c/a>u003c/li>\nu003cli>u003ca href=\”https://www.kiplinger.com/personal-finance/banking/604838/best-banks-for-retirees\”>Best Banks for Retireesu003c/a>u003c/li>\nu003cli>u003ca href=\”https://www.kiplinger.com/personal-finance/banking/603010/best-banks-best-for-parents-with-kids\”>Best Banks for Families With Kidsu003c/a>u003c/li>\nu003c/ul>””,”wordCount”:19},”DataBlock:585e7506bbf1170861ff906eae2d39a23d456265″:{“id”:”585e7506bbf1170861ff906eae2d39a23d456265″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:”{“text”:”Best: Citibank”,”size”:”2″}”,”wordCount”:null},”DataBlock:31b5ab6b63450a5b12036b0116860559a0ac9bb4″:{“id”:”31b5ab6b63450a5b12036b0116860559a0ac9bb4″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003ca href=\”http://www.citi.com\” target=\”_blank\”>u003cstrong>www.citi.comu003c/strong>u003c/a>u003c/p>\n””,”wordCount”:1},”DataBlock:4b98c7b071835f178a4913b1ea979009bb850070″:{“id”:”4b98c7b071835f178a4913b1ea979009bb850070″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003cstrong>Why it won:u003c/strong> Clients who maintain big balances enjoy prime treatment and can visit branches around the nation and world.u003c/p>\n””,”wordCount”:20},”DataBlock:60cf990d6acf0848e06c7cfef082ba131fdbfa15″:{“id”:”60cf990d6acf0848e06c7cfef082ba131fdbfa15″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003cstrong>Standout account:u003c/strong> The Citigold account package provides a load of complimentary services and unique benefits. u003c/p>\n””,”wordCount”:15},”DataBlock:2ca21ba1277aba9e90b5934fef25a77cbbf9cc52″:{“id”:”2ca21ba1277aba9e90b5934fef25a77cbbf9cc52″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003cstrong>Where it is:u003c/strong> More than 650 branches in nine states—with many in California and New York—plus Washington, D.C. Terms and rates are for New York City. u003c/p>\n””,”wordCount”:26},”DataBlock:eafbe7538d7fade9e2129f47fc24edfbd140859f”:{“id”:”eafbe7538d7fade9e2129f47fc24edfbd140859f”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>The u003cstrong>Citigoldu003c/strong> account package is available to those who keep at least $200,000 in eligible Citi deposit, retirement and investment accounts. Citigold customers have a relationship manager as a point person and a wealth adviser who provides financial planning and investing guidance. You get a free checking account and savings account (0.12% yield), as well as complimentary standard checks, stop payments, overdraft transfers, wire transfers and money orders. Plus, all out-of-network ATM surcharges are reimbursed. Up to $200 annually is refunded for subscriptions, including Amazon Prime, Costco membership fees, Hulu, TSA Precheck and Spotify Premium. Travelers benefit from waived foreign-transaction fees on debit card transactions; free next-day delivery of foreign currencies to your home, office or nearby bank branch; concierge services; and access to more than 100 Citigold lounges globally (attached to Citi properties), which provide refreshments and Wi-Fi. Other perks include complimentary or discounted admission to select cultural institutions and access to special events, such as private dinners with top chefs and reserved seating at sporting events.u003c/p>\n””,”wordCount”:168},”DataBlock:9c91daf1bb70d023163fb81bdaaac8215b6cef76″:{“id”:”9c91daf1bb70d023163fb81bdaaac8215b6cef76″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Customers who keep at least $1 million in deposit, retirement and investment account balances are eligible for u003cstrong>Citigold Private Clientu003c/strong>, which comes with additional benefits, such as heightened ATM withdrawal and purchase limits with your debit card and advanced wealth planning. u003c/p>\n””,”wordCount”:42},”DataBlock:91588b8881b15077837fb9104797d983d39946e9″:{“id”:”91588b8881b15077837fb9104797d983d39946e9″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:”{“text”:”Runner-up: Chase”,”size”:”2″}”,”wordCount”:null},”DataBlock:011d8bae89fc7c93e0e97bf84f1495bfded205c4″:{“id”:”011d8bae89fc7c93e0e97bf84f1495bfded205c4″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003ca href=\”http://www.chase.com\” target=\”_blank\”>u003cstrong>www.chase.comu003c/strong>u003c/a>u003c/p>\n””,”wordCount”:1},”DataBlock:af68577f9528d2c885d3e4af152adea84dce894d”:{“id”:”af68577f9528d2c885d3e4af152adea84dce894d”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003cstrong>Why it won:u003c/strong> Chase’s premium accounts are attractive, and the bank has an extensive branch presence.u003c/p>\n””,”wordCount”:16},”DataBlock:2cc700491d884d36ea07a42efe23b8748644ad39″:{“id”:”2cc700491d884d36ea07a42efe23b8748644ad39″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003cstrong>Standout account:u003c/strong> Sapphire Banking comes with reduced fees and other benefits for customers who keep a $75,000 balance.u003c/p>\n””,”wordCount”:18},”DataBlock:a8cd579017e156590bc8e00a04dd5fe55e0bfa12″:{“id”:”a8cd579017e156590bc8e00a04dd5fe55e0bfa12″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>u003cstrong>Where it is:u003c/strong> More than 4,900 branches in all of the lower 48 states and Washington, D.C. u003c/p>\n””,”wordCount”:17},”DataBlock:538d3f470c3396b01c31e0b8a82dc362376f5b12″:{“id”:”538d3f470c3396b01c31e0b8a82dc362376f5b12″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>With u003cstrong>Sapphire Bankingu003c/strong>, those who hold at least $75,000 in eligible Chase deposit and investment accounts skip the $25 monthly fee. The checking account reimburses all out-of-network ATM fees worldwide and charges no fees for stop payments, wire transfers, money orders, cashier’s checks, standard checks, foreign transactions, the first four overdraft fees in a 12-month span, and a small safe-deposit box. Those with $150,000 or more in deposits and investments qualify for u003cstrong>Chase Private Clientu003c/strong>, which offers the same perks as Sapphire and more, including dedicated banking and investment advisers. u003c/p>\n””,”wordCount”:92}};
