Getting Started
After you install Direct Access®, read this section for information on how to get started or on Direct Access' features and functions.

Where to Get Help
While using Direct Access, you have several alternatives for assistance whenever you need it. If you want to become familiar with all of the features of Direct Access, this user guide is the best place to start.

To look at an online version of this User Guide, go to the Information Center in Direct Access.

Navigating Menus and Screens
Each screen in Direct Access is divided into three parts: task bar, work area and channel.

The channel area is similar to a main menu where you select from a list of functions. After you select a channel, you can then choose a specific task from the task bar and perform work in the work area.

Direct Access uses a common "point and click" structure and functionality. The following are some common buttons in the application.
OK/Yes confirms information.
Back returns you to the previous screen.
Home returns you to the first Direct Access screen.
More displays another screen with more data.
Sign-Off quits Direct Access.

Channel Overview
The following list gives an overview of the tasks accessed through each icon in the channel area:

Account Information
Click on the Account Information channel when you want to see up-to-date information about your linked accounts or download account activity.

Payments & Transfers
Click on Payments & Transfers when you want to make payments or transfer funds. You can make payments to virtually anyone on your payee list, and you can add or delete payees from your payee list. You can also transfer funds between accounts linked to your Citicard.

Investment Services
Use the Investment Services channel to check market indices, such as the Dow Jones Industrial Average and the Standard & Poor's 500, and obtain a limited number of free real-time quotes. These services are provided by Citibank. And, if you have a brokerage account with Citicorp Investment Services, click on the Investment Services channel to place orders to buy or sell securities, see orders you have already placed and cancel open orders.

Refer to Financial Market Information in the Information Center channel for more information on obtaining quotes.

Information Center
Click on the Information Center channel to obtain current Citibank information. The Information Center enables you to access current data regarding many Citibank products, including checking, savings and loans. This channel also contains information about investment services from Citicorp Investment Services and a Branch Locator to help you learn the location of Citibank branches.

The Information Center channel contains current financial news and information. To access this information click on the Information Center channel and select Financial Market Information from the task bar. This channel also contains an online version of the user guide.

If you want more information about any of these products and services, click the Information Center channel and Direct Access will connect you to a world of information about Citibank and Citicorp Investment Services.

Customer Service
Use the Customer Service channel to begin the process of opening new accounts and to perform maintenance on your existing accounts. For example, you can use this channel to request a stop payment on a check or to report a bill payment problem. The following list contains brief instructions for using common Customer Service functions.

• Access Messages: To access electronic messages, click the Customer Service channel, select Messages in the task bar and follow the directions on the screen.
• Open an Account: To begin the process of opening an account click on the Customer Service channel and select Open an Account from the task bar.
• Link/Unlink: To link or unlink accounts to your Citicard®, select the Customer Service channel, choose Link/Unlink an Account in the task bar. Select the accounts you want to link or unlink. The Link function allows you to add one or more of your Citibank accounts so that they are available in Direct Access. Once you enter the required information, it is transmitted to Citibank and the requested link usually will be established in about two business days. The Unlink function presents you with a list of accounts already linked to your Citicard. You can then select the account you want to unlink. Once you unlink an account, you will not be able to see it on Direct Access or an ATM. It usually takes about two business days for the account to be unlinked.
• Report a Bill Payment Problem: To report a bill payment problem, select the Customer Service channel and click on Report a Bill Payment Problem in the task bar. If a payment reaches a merchant late or is not accurately credited to your account, you can report these problems to Citibank.
• Change Address: To change your address for all your accounts linked to Direct Access, choose the Customer Service channel and click on Change Address in the task bar. Please allow two business days for your address to be changed. Note that you cannot change your address on an individual account when you have multiple linked accounts.
• Change PIN: To change your PIN, select the Customer Service channel and click on Change PIN from the task bar.
• Reorder Checks: To reorder checks, select the Customer Service channel, click on Other Account Services from the task bar, and choose Reorder Checks from the work area. Please allow five business days for your request to be completed.
• Stop Payment of a Check: To request stop payment of a check, select the Customer Service channel, click on Other Account Services in the task bar, and choose Stop Payment of a Check from the work area.

  Note: DO NOT use the Messages function to send messages to place orders to buy and sell securities through Citicorp Investment Services. Please see the Using Direct Access to Invest Through Citicorp Investment Services section of this user guide.