Why it won: Citi's relationship banking packages layer on unique perks. Standout account: The Citigold program comes with financial planning, fee waivers, special access to events and more.

Simply want to join Citigold and maintain funds in your account? From now till Jan 31, 2024, apply via MoneySmart to get $800 cash via PayNow or 11,250 SmartPoints when you: Start a Citigold ...