Best Banks for Higher-Net-Worth Clients Best National Banks Best Internet Banks Best Credit Unions Best Banks for Retirees Best Banks for Families With Kids Best: Citibank www.citi.com Why it won: Clients who maintain big balances enjoy prime treatment and can visit branches around the nation and world. Standout account: The Citigold account package provides a load of complimentary services and unique benefits. Where it is: More than 650 branches in nine states—with many in California and New York—plus Washington, D.C. Terms and rates are for New York City. The Citigold account package is available to those who keep at least $200,000 in eligible Citi deposit, retirement and investment accounts. Citigold customers have a relationship manager as a point person and a wealth adviser who provides financial planning and investing guidance. You get a free checking account and savings account (0.12% yield), as well as complimentary standard checks, stop payments, overdraft transfers, wire transfers and money orders. Plus, all out-of-network ATM surcharges are reimbursed.