> 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.

# Changelog

## May 19, 2026

## Digital banking essentials

Round out your experience with two of the most-requested features.

### What's new

* **[Mobile Check Deposit](/consumer/api-docs/digital-banking/mobile-check-deposit)** — Let customers deposit a paper check by submitting photos from their phone, with real-time validation and funds-availability details.
* **[Alerts & Notifications](/consumer/api-docs/digital-banking/alerts)** — Subscribe to real-time events for balances, transactions, large purchases, payments, and new sign-ins via push, SMS, email, or webhook.

### Improvements

* Webhook deliveries are now signed and include automatic retries with exponential backoff.
* Security alerts such as new-device sign-ins are always delivered to help protect customer accounts.

## April 15, 2026

## Rewards, lending, and an API deprecation

### What's new

* **[Rewards](/consumer/api-docs/cards/rewards)** — Show ThankYou® Points balances and let customers redeem for cash back, travel, and gift cards.
* **[Personal Loans](/consumer/api-docs/lending/personal-loans)** — Pre-qualify customers with a soft credit check and present personalized offers.
* **[Home Lending](/consumer/api-docs/lending/home-lending)** — Estimate payments, check eligibility, and track a mortgage application.

### Deprecation notice

The legacy `v1` transactions endpoint has been deprecated in favor of the enriched [Transactions API](/consumer/api-docs/accounts/transactions), which adds merchant names, categories, and pending activity.

> **Warning**
>
> The `v1` transactions endpoint will be removed in a future release. Please migrate to the [Transactions API](/consumer/api-docs/accounts/transactions) before then.

## March 24, 2026

## Move money in real time

Sending and moving money is now available across the Consumer platform.

### What's new

* **[Send Money](/consumer/api-docs/payments/send-money)** — Send funds person-to-person with just an email address or U.S. mobile number.
* **[Bill Pay](/consumer/api-docs/payments/bill-pay)** — Add payees and schedule one-time or recurring bill payments.
* **[Transfers](/consumer/api-docs/payments/transfers)** — Move money between a customer's own accounts or to and from linked external banks, including same-day ACH.

### Improvements

* Payment and transfer events now flow through the notifications system so you can track delivery end-to-end.

## February 17, 2026

## Cards and Card Controls

Customers can now see and manage their cards through your app.

### What's new

* **[Credit Cards](/consumer/api-docs/cards/credit-cards)** — Return card details, available credit, current balance, and payment due dates.
* **[Card Controls](/consumer/api-docs/cards/card-controls)** — Let customers instantly lock and unlock a card, set spending controls, and add travel notices.
* **Lost or stolen** — Report a card lost or stolen and order a replacement in a single call.

> **Info**
>
> Card management actions require the new `cards:manage` scope. Review the [Authentication guide](/consumer/api-docs/get-started/authentication) to add it to your consent flow.

## 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).