> This page is for Consumer.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# January 1, 2026

## Citi Consumer APIs are here

We're kicking off 2026 by opening up the Citi Consumer API platform to all partners. Build personal banking experiences on the same products millions of customers use every day.

### What's new

* **[Deposit Accounts](/consumer/api-docs/accounts/deposit-accounts)** — Retrieve a customer's checking and savings accounts with masked numbers and status.
* **[Balances](/consumer/api-docs/accounts/balances)** — Real-time available and current balances for spending decisions.
* **[Transactions](/consumer/api-docs/accounts/transactions)** — Posted and pending activity enriched with merchant and category detail.
* **[OAuth 2.0 authentication](/consumer/api-docs/get-started/authentication)** — Consent-scoped access tokens so your app only sees what the customer approves.

### Get started

Grab your sandbox credentials and make your first call in minutes with the [Introduction guide](/consumer/api-docs/get-started/introduction).