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Interest will be calculated from the day the funds are available in the Non-fixed Deposit account upon the day of successful check clearance or fund transfer.

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Welcoe MaxiSavings account managsr will normally be completed within 5 business days from receipt of cotibusiness. Bank draft or personal check which is drawn on overseas will not be accepted. If customer holds more than one Nonfixed Deposit, we will select the one with the least interest loss per withdrawal unit for customer's withdrawal. The interest rate for any remaining balance in the Checking account after withdrawal is the same as that for normal Checking account. The interest of partial withdrawn amount will be calculated at Pre-Termination Interest Rate from the day of the funds are deposited into the Non-fixed Deposit account until the day before withdrawal.

The Terms and Conditions of MaxiSavings shall be in addition and supplementary to and not in substitution or in derogation of the Terms and Conditions for Accounts and Services and all other Terms and Conditions applicable to the customer from time to time. Products might only be applicable to limited jurisdictions.

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It will be credited to Checking account on the next business day after withdrawal. Citibank Hong Kong Limited reserves the right to amend the Terms and Conditions without prior notice. In case of any inconsistency between the Terms and Conditions of MaxiSavings and the Terms and Conditions for Accounts and Services, the Terms and Conditions herein contained shall prevail. Non-fixed Deposit is a time deposit which allows partial withdrawal before maturity day. Only Non-fixed Deposit and Checking accounts with the same account holder can be linked to enjoy withdrawal facility through the Checking account.

This offer cannot be used in conjunctions with other offers.

Step-up interest account features:

Upon maturity, Payropl Deposit will be disposed to designated account or rolled citiibusiness based on customer instruction where the interest rate is determined at the time of transaction day. If there is any inconsistency between the English version and the Chinese version, the English version shall prevail. One Checking account can be linked to one or several Non-fixed Deposit with different tenor in one account with the same currency. All matters or disputes will be subject to the final decision of Citibank Hong Kong Limited.


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