Citi Benefits Handbook

If the value of your Plan accounts is $1,000 or less, your accounts automatically will be distributed to you in a lump sum with applicable taxes withheld.
If the value of your Plan accounts is greater than $1,000 but not greater than $7,000, and you do not choose to receive a distribution of your accounts or roll them over directly into another eligible retirement plan or IRA within 90 days after you receive a notice from the Plan, your account automatically will be rolled over into a Citibank IRA and invested in accordance with the Plan's procedures for auto rollovers. You are responsible for deciding how you want this IRA invested.
If your Plan account is rolled over to a Citibank IRA and you have questions concerning your rollover, you can contact Citibank Retirement Plan Services, Monday through Friday from 8 a.m. to 10 p.m. ET, and Saturday from 9 a.m., to 5:30 p.m. ET at 1 (800) 695-5911.
If the value of your Plan accounts is greater than $7,000, you may request a distribution at any time or you can leave your accounts in the Plan. However, you must begin to receive your money by April 1 of the calendar year following the calendar year in which you reach age 73. While your money remains in the Plan you can continue to direct the investment of your account. You may not borrow from your account after termination of employment.