✅ What You Need
A Pana with a U.S. Routing Number and Account Number
An active Citibank account with online or mobile banking access
Matching names on both accounts (recommended)
🔍 To find your Pana banking details:
Open the Pana app → Add Money → Bank transfer
🔄 How to Link Your Pana Account in Citibank
Log in to your Citibank Online Banking or open the Citi Mobile® App
Go to Payments & Transfers → External Accounts
Select Add an External Account
Enter your Pana account information:
Account holder name (must match your Pana profile)
Routing number
Account number
Account type: Checking
Citibank may send two small test deposits
After 1–2 business days, return to verify the amounts and complete the linking process
💵 How to Transfer Funds
Once your Pana account is linked:
Go to Payments & Transfers > Transfer Between My Accounts
Select your Citibank account as the source
Choose your Pana account as the destination
Enter the amount and submit the transfer
⏱️ How Long Does It Take?
ACH transfers from Citibank usually take 1–3 business days
You’ll receive a notification in your Pana app once the funds arrive
⚠️ Tips to Avoid Issues
✅ Use ACH in USD only
❌ Don’t use wire or international transfers — only domestic ACH
✅ Make sure the account name matches to prevent delays
🆘 Need Help?
For issues receiving funds in Pana: Message us in the app or email support@getpana.app