“Introducing Citi Plus, your all-in-one digital wealth solution on the Citi Mobile App.” That is what you will be greeted when you visit their website, perhaps in an attempt to appeal to the masses and position themselves among the recent releases of digital banks. Citi Plus is essentially a new savings account that allows you to get up to 2.8% when you…

• Spend (with Citi Cash Back+ credit card or Citibank debit card)
• Save
• Invest
• Insure
• Mortgage
• Celebrate your birthday month (yes, it’s a thing)

If it seems like a handful of categories to hit, it is. But perhaps, this account might really benefit a certain group of users, especially so for frequent users of the Citi Cash Back+ credit card. How Do You Really Achieve 2.8% Interest? At first glance, you’d immediately notice that salary crediting is not one of the criterias. The first thought would probably be that this is suitable for self-employed individuals or non working adults....