Paying your credit card bill on time each month is crucial for maintaining a good credit score and avoiding late fees. If you have a Citibank credit card, you have several options for making your payment conveniently including through an ATM. Here’s a step-by-step guide to paying your Citibank credit card bill at an ATM.
Overview of Paying Citibank Credit Cards at ATMs
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You can pay your Citibank credit card bill at any Citibank ATM using your Citibank debit card
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There is no fee from Citibank for using an ATM to pay your credit card.
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Funds are transferred instantly from your linked checking or savings account,
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You can pay any amount up to your available balance.
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You’ll receive a receipt with confirmation of your payment.
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Payments made before the cut-off time will be credited the same day.
Step-by-Step Guide
Follow these simple steps to pay your Citibank credit card bill through a Citibank ATM:
1. Insert Your Citibank Debit Card
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Insert your Citibank debit card into the ATM and enter your PIN when prompted.
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Your debit card must be linked to the checking or savings account you want to transfer funds from.
2. Select “Pay Credit Card”
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From the main menu, select “Pay Credit Card”.
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This may also be listed as “Make a Payment” or “Funds Transfer”.
3. Choose Citibank Credit Card
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You’ll be shown a list of your eligible Citibank credit cards.
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Select the card you want to make a payment towards.
4. Enter Payment Amount
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Input the amount you wish to pay towards your credit card balance.
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You can pay any amount up to your full available checking or savings account balance.
5. Confirm Payment Details
- Verify the details of the payment including the credit card, payment amount, and account the funds will come from.
6. Take Payment Receipt
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Take the printed receipt before leaving the ATM.
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This will show confirmation of your credit card payment.
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You can also view payment confirmation in your next credit card statement.
Tips for Citibank Credit Card Payments at ATMs
Keep these tips in mind when paying your Citibank credit card at an ATM:
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Make payments before the cut-off time – Payments made before the daily cut-off time (likely 11:59pm ET) will be credited the same day. Payments after this time will be credited the next business day.
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Double check payment amount – Carefully review the payment amount before confirming to avoid overpaying your credit card balance.
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Save payment receipt – Keep your ATM payment receipt until the transaction appears on your next Citibank credit card statement.
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Set payment reminders – Set calendar reminders for yourself on when to make your monthly credit card payments to avoid late fees.
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Check your balance first – Know your checking or savings account balance before going to the ATM to ensure you have enough funds to make your credit card payment.
ATM Payment FAQs
Here are answers to some frequently asked questions about paying Citibank credit cards at ATMs:
Can I pay my Citibank credit card at any ATM?
No, you can only make payments at Citibank branded ATMs using your Citibank debit card and PIN.
Is there a fee to pay my credit card at an ATM?
Citibank does not charge a fee for ATM credit card payments. But if you use an ATM outside of the Citibank network, the ATM operator may charge a convenience fee.
When will my ATM payment be credited to my account?
Payments made before the daily cut-off time will be credited the same calendar day. Payments after the cut-off are credited the next business day.
Can I cancel an ATM credit card payment?
Unfortunately no, an ATM credit card payment cannot be cancelled once it’s been confirmed at the ATM.
What if I enter the wrong credit card or payment amount?
Double check all details on the ATM screen before confirming the payment. If you realize you made a mistake later, you’ll need to reach out to Citibank customer service for help.
Do ATM payments have a limit?
You can pay any amount up to your full available checking or savings account balance that the debit card is linked to.
Other Ways To Pay Your Citibank Credit Card
In addition to ATM payments, Citibank offers several other convenient ways to pay your credit card bill:
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Online banking – Setup one-time or recurring payments through Citibank online banking.
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Citibank Mobile app – Use the app on your smartphone or tablet to pay your bill on-the-go.
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Auto pay – Enroll in autopay directly from your checking account to have your payment drafted each month automatically.
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By phone – Call Citibank and speak to a customer service representative to make a payment.
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By mail – Mail your payment to the address listed on your Citibank statement. Allow 5-7 days for delivery.
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In person – Visit a Citibank branch and make your payment at the teller.
No matter which option you choose, be sure to make Citibank credit card payments on time each month to avoid interest charges! Taking advantage of autopay or reminders can help ensure your bill always gets paid on schedule.
The Bottom Line
Paying your Citibank credit card bill at an ATM is a quick and easy option for cardholders. To review, simply follow these steps:
- Insert your Citibank debit card and enter PIN
- Select “Pay Credit Card” or “Make a Payment”
- Choose the Citibank card you want to pay
- Input payment amount
- Confirm payment details
- Take receipt
Setting payment reminders and paying before the cutoff time ensures your bill gets paid on the due date. Just be aware ATM payments are final and can’t be cancelled. Beyond ATMs, you can pay your Citibank credit card through the mobile app, online, by phone, mail or at a branch. Pay on time each month to maintain good standing on your account!
