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At Citibank, N.A. we are dedicated to protecting your privacy. We want you to feel comfortable about giving us your email address. The following Email Policy was developed to help you understand how we use email and what your choices are.
How We Use Email
When you give us your email address, we may then send you emails on a variety of subjects, such as:
• General notices or important news about your account (rest assured your account number would never be included)
• Updates on special deals and offers that might interest you
• Opportunities to provide feedback or complete online surveys, so you can tell us what you think
We believe you should be able to choose what kinds of information you receive. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. If you do so, please note that you could continue to receive some marketing information until your request is processed. Important Note: Please keep in mind that Citibank, N.A reserves the right to continue to notify you by email regarding your account.
By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply.
To enroll in paperless for this credit account, start by reading the terms and conditions below. By clicking AUTHORIZE below, you are agreeing to receive your legal notices (as available) electronically only.
We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.
To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.
Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.
If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.
Cancelling Paperless Statements and E-Communications
You may cancel through account online or by calling us at the number on the back of your card.
We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.
I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.
You will receive paperless notifications at the email address currently associated with your account.
The alerting service allows you to request and receive messages about your credit card account(s).
Alerts are effective as soon as you set them up in Account Online. You accept that each alert may not be encrypted, and may include your name and information pertaining to your account(s).
Receipt of each alert may be delayed, or prevented by factors affecting your Internet service provider, mobile carrier, and/or other factors outside of our control. Neither we, nor our affiliates, will be liable for losses or damages arising from (a) non-delivery, delayed delivery, or misdirected delivery of an alert; (b) inaccurate or incomplete content in an alert; or (c) your use or reliance on the contents of any alert for any purposes.
We reserve the right to terminate the alerting service, in whole or in part, at any time without notice. The information in any alert may be subject to certain time lags and/or delays. The types and timing of your alerts will be managed by you, and the alerts may be stopped or suspended by you at any time.
By enrolling in, or editing wireless alerts you previously enrolled in, you agree to the Terms and Conditions.
Note: No funds will be transferred at this time. Setting up Online Bill Payment authorizes your bank to transfer funds from your account only when you complete a payment request each month.
You can make an Online Payment once you enroll. Your payment will credit to your account as described in the paragraph titled "Same Day Crediting". If you use a bank account for the first time, we may hold the available line of credit equal to the payment for up to 3 business days.
You can schedule or make up to 5 online payments to be made beyond your billing cycle, but only one payment per day. Payments may be made for an amount less than or equal to the current balance.
If you do not make one Online Payment at least once every eighteen (18) months, you may have to re-register your bank account as though using it for the first time.
If a scheduled payment exceeds the current balance plus 7.5% at the time of execution, you agree that we will reduce the scheduled payment amount to the amount of your balance in full on your last statement.
The payment cutoff time for Online Bill or Phone Payments is midnight ET. This means we will credit your account as of the calendar day, based on Eastern Time, that we received your payment request. You can make changes to any payment until 5:00pm ET on the day it is scheduled to post. Review the Terms and Conditions.
Any payment made on a weekend or holiday will be applied as of the day you make it. However, it will not be posted until the next business day.
Please note that there may be a delay between the time your payment is posted and the amount of your available credit is updated.
If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee or late fee based on the terms and conditions of your card agreement. Subsequent scheduled payments may also be canceled.
By authorizing Online Bill Pay, I authorize Citibank, N.A. to initiate an electronic payment from my bank account and I authorize my bank to honor the withdrawal. This authority is for the Macy's Credit Card account noted above and is to remain in effect until canceled in writing by Citibank, N.A., my financial institution, or me.