Citibank

Pros: Easy to navigate
Cons: None

I have been using Citibank for about 2.5 years, since I graduated from college. I couldn't very well have a bank in Bloomington, IN and an address in Chicago, IL so it was time to graduate from the IU Credit Union (a very nice bank, by the way). Since...

Pros: Excellent customer service, numerous branches, excellent online banking
Cons: Fees for everything unless you maintain a high balance

Unfortunately, Citibank and I recently parted ways. It was an amicable relationship while I was their customer, and an equally amicable breakup. Though I am currently a satisfied Chase customer, there are many aspects of the Citibank banking experience...

Pros: Great interest rate for our e-savings account; free external funds transfers.
Cons: Charge for direct download into Quicken; Customer service could use so training.

The news yesterday (February 1st 2007) was dismal: the savings rate in America is now at an all time and depressing low of negative one percent! My wife and I, in an effort to buck the trend, cling to the axiom “Pay Yourself First.” For us that ...

Pros: Ease of myciti.com, Banking with true higher standards, ThankYou points, No fees banking
Cons: None

I've had many bank accounts. And banks have changed so much over the time I opened up my first savings account when I was eight years old thanks to my mom. Ever since I moved to the northeast, I have used Chase Manhattan, RIGGS Bank, Chevy Chase Bank, ...

Pros: Great online & ATM interface; good teller service; good telephone service
Cons: In-branch account support is sad; limited ATMs and branches

I have been a Citibank customer for over five years. I have had great experiences with their online service, and with the tellers. I use branches in three different areas in Maryland, and have never had a complaint about the window service. For the most ...

Pros: Citigold
Cons: Direct Bank/India support, poor procedures/processing methods

Instead of wasting your time with extended stories, I'm going to give you what you really came for - the facts, about Citibank. Separated into four parts: Deposit Accounts, Credit Accounts, Customer Service, and Procedures. ** DEPOSIT ACCOUNTS If ...

Pros: Great promotional rates, no hassle, excellent website, great rewards
Cons: Only that I had used other banks before Citibank

After almost 2 years, 2 checking accounts, and 2 savings accounts, I can honestly say I have been completely satisfied with Citibank. How I Became a Customer At the time I opened my current accounts, I was fed up with banks. My previous ...

Pros: Citibank AAdvantage Debit Card, International Presence
Cons: Difficult Customer Service at times, slow to post transactions

My review of Citibank, mostly applies to the Citibank AAdvantage card programs they offer, but I have listed a couple of other experiences I think are important for the majority of users and customers. I have been associated with American Airlines ...

Pros: On-line Banking and Bill Pay
Cons: Customer Service on the telephone is not consistently great (or even good), fees

Citibank: I've been a customer of Citibank (in NYC)for approximately 5 years. I opened the account with ease. I've enjoyed free checking and savings accounts with them, free on-line banking, excellent customer service, and making friends with their ...

Pros: there could be some pretty tellers working there
Cons: CITIBANK DISGUSTS ME.

CITIBANK, I HAVE NO TIME TO WASTE ON YOU.
I hope any freedom loving person also feels they have no time for CITIBANK also. Keep in mind that you make banks rich by just doing any business whatsoever with them.
CITIBANK now thinks they are...

Pros: None.
Cons: Citibank does not honor its agreements with its customers.

I received a seemingly generous offer in the form of a letter on 8/11/2003 from Citibank to get 5% cash back on all qualified purchases through 2/28/2004 (up to $100). Refer to Letter #1 below. After calling Citibank's customer service number on the ba ...

Pros: Easy to navigate, customizable, fast online bill payment
Cons: High fees at the bricks-and-mortar branch, low density of ATMs on West Coast

Citibank has always been ahead of its counterparts when it comes to incorporating technology into its operations. This is truly evident in its excellent online banking service which it unveiled an year ago.

I had been banking with the Bank of...

Pros: great website with good features
Cons: banking and credit card is expensive, poor customer "service"

I believe that banking should be free since banks make profit off me when I keep my money in their low-interest checking/ savings accounts; therefore I decided to bank with my local Credit Union.

Also citibank does not have branches in many...

Pros: Hey, when it comes to banks, the bigger the better
Cons: Lack of actual branch on the campus/ ATM does not take deposits

This is strictly a review of the Citibank on Campus product offered by Citibank in various colleges around the United States. The product is not offered by the bank at its branch locations.

The way this account...

Pros: Great Decor
Cons: Poor Customer Service

During the last three years my banking experience with Citibank was as good and healthy an experience as anyone would expect from a bank. Then, an unfortunate slip on my part opened my eyes and gave me an serious education on bank practices and what...

Pros: By my experience I didn't enjoy any positive feelings about this bank
Cons: I will never have business again with Citibank. I already shared my experience with friends.

If you think you want to open new checking account in Citibank I would recommend you to read this small article first, if it might concern you. Actually this is situation that happened to me and I just trying to reveal it to public. Hopefully it will ...

Pros: If I have hours, I can pay a bill online
Cons: Can't see transactions, slow, can't escape, etc.

Isn't online banking supposed to make my life easier? With all its resources and sheer market share, it amazes me that Citibank is so inept at providing an online banking product that works, quickly and intuitively.

I shouldn't be surprised,...

Pros: treat customers with respect
Cons: no branches in my area

Scenario 1

I've been a Citibank customer since 1986 when they gave me my first Visa credit card. I still hang onto that card, not necessarily because its a great Visa card, rather, I feel some weird sense of loyalty to the bank and...

Pros: Excellent online services
Cons: Still need a teller if you want to transfer money to a 7-day CD savings account

I originally opened a Citibank account because Citibank was the closest bank to my house. As it turns out, it has excellent online services as well. And, there's a fairly easy way to avoid all fees.

AVOIDING FEES
- As long as you...

Pros: Easy to use, comprehensive, well-integrated online banking and bill pay offered at no cost
Cons: No cancelled checks or check imaging in standard accounts, monthly / miscellaneous fees

I have been using Citibank for the past few years and have been satisfied for the most part with their checking, money market, and credit card services (the latter is integrated with our other accounts).

The bank has the best ATM's I have...

Pros: flexible and easy
Cons: website can be slow

I admit to knowing nothing about anything to finance. However, I am learning as I go along.

My parents moved all of their assets to Citibank in 1994. They had had problems with the bank they had been at and decided to try...

Pros: very fast, simple, nice customer service reps online and on phone, great online services
Cons: none

CitiAssist Private Student Loan
Reasons for Applying

A loan application I had sent to another bank had gotten "lost" somewhere between the school and the bank and I didn't want to chance snail mail over again...

Pros: Linked accounts=no service charges, free bill pay, decent cust. service reps
Cons: Hassles with opening accounts over phone

I've been a customer with Citibank for about 3 years now, first getting a Platinum Select Mastercard, then opening a bank account over a year ago on their(now defunct)Citi/FI website that's currently Citibank Online.

I've always been...

Pros: Great bill payment system
Cons: Debit cards do not have Visa or Mastercard logo

Citibank has always been a wonderful bank for me. I started using Citibank when I was sixteen. I had an account with my mother. Using the ATM and depositing money was always very simple and hassle free.

Now that I am older, I use Citibank...

Pros: good atm coverage, no fees, free checks, banking online
Cons: haven't gotten any yet. still waiting for the ball to drop

I got a really great deal with Citibank through my job. I would check to see if your job has a similar program. Basically this is what I get from the Citibank at Work Program:

* Free checking and savings for a year. Need $2000 thereafter (but...

Pros: Solid bank that has embraced technology to offer one-stop financial management.
Cons: Branches are not everywhere and you'll have ATM fees if you aren't local.

I have moved such that I am over 400 miles from the nearest Citibank branch, but I still use Citibank as my primary banking institution. Why? The free on-line banking. My local account, which I opened for local acceptance of checks, ATM use and small...

Pros: Monthly statements processed on time, without fail.
Cons: No commitment to service

Let me tell you a story about a woman and two children. Well, one day, the three were on their way to a job (the children partake the opportunity to earn spending money as extras on movie/television productions). On her way to the job, she stopped to...

Pros: online banking
Cons: ATM proximity, checking fees, attitude

I use Citibank because it was one of the first, if not the first, banks to tap into the demand for online banking--starting with a dial-up number for bill paying and such. Citibank has tons of great features like online bill paying, transferring funds...

Pros: I was supposed to receive $100 cash through Gomez for opening an account
Cons: Extremely Inefficient, annoying and failed opening procedure

First or all, let me explain that I have had no trouble opening bank accounts with Bank of America, CalFed, Washington Mutual, Everbank.com and various credit cards (even with Citibank).

May 29, 2001:
I made an online application to...

Pros: Friendly, Honest, Reliable
Cons: None

After suffering through an abusive financial relationship with Bank One for over a year I decided to do some research and find a bank that wouldn't treat me bad but still offer the pluses of a large bank.

I went with Citibank because several...

Pros: Good customer service, ATM's everywhere
Cons: One of their ATM's malfunctioned and lost $40 from my account

I chose Citibank for my banking needs because my company has an arrangement with them that gives us a free checking and savings account, and Checking Plus, which is a back-up line of credit that prevents you from bouncing checks. Although I haven't...

Pros: SERVICE!, personal attention, worldwide banking, free online bill payment
Cons: Expensive fees, high deposit requirements

Money is a very personal thing. Walk into citibank, that's how they treat you. With personal attention. Even if you're a small time joe doesn't keep that much in the bank.

They'll listen, and they will help you. You're more than just a number...

Pros: ATMs everywhere, basic online services
Cons: customer service--both over the phone and at branch offices

I opened an Citibank checking account and linked preferred money market account last August. The main reasons that I chose Citibank over others in the area (such as Chase Manhattan) are: (1) the minimum combined balance requirement is only $1000, (2)...

Pros: Citi's online banking good, lots of DC & MD branches
Cons: Yet another fee?!

If it were not for the fact my employer has a deal with Citibank for "fee free services" [Yea, right], I'd have ditched them long ago. They are masters of fee charging. The latest outrage is that they are now charging $9.95/month for access...

Pros: Good services, polite people, Never lost my money
Cons: not open on saturdays around where i go

Every time i step foot inside citibank i feel like im part of a family. I walk in there to deposit my checks inside my savings account and they treat me dearly. Sometimes they even have little hershy kisses that you can eat. I assure you that they never...

Pros: customer service, online banking
Cons: None

As a small time banker with a simple checking account through Citibank I was a bit apprehensive about applying for a business account. My credit had a major blemish from a mistake in my youth and my business was still in the new idea stages. Still, I...

Pros: Excellent online system, good CS
Cons: Fewer ATMs

Citibank is by all means one of the most famous international ones. I believe that most of the people know or at least heard about Citibank. Moreover, most of my friends, including those who work for it, recommend this bank. Because of its popularity,...

Pros: excellent service, availability
Cons: annual fee

I have been a member of Citibank for about a year now and they have provided me with great service and no hassles. I started a new job last summer with a company that was affiliated with Citibank, and decided to join so my checks would be directly...

Pros: Sometimes they make bank errors in your favor
Cons: It's a bank

We all hate our banks. I lived in Oregon and hated US Bank fervently. I moved to Washington Mutual, hated them slightly less, but substantially. I moved here to New York, the center of banking hell, and put my money in Citibank because I got free...

Pros: Ease of use and customer service
Cons: Need to add some functionality to site

I would highly recommend Citibank as an overall general banking & investment site. They can perform the following functions free of charge:

1) Deposits no charge(whether via US mail, their ATM, or tellers).
2) No fee checking when...

Pros: Convenience, range of services
Cons: Cost, account minimums, investment support

I should start by telling you that I have never used another bank's internet services so I can't make direct comparisons, but I have researched what they offer and never found anything which would convince me to change.

I moved my account to...

Pros: Free, easy to use, powerful features
Cons: Must use Citibank for your banking

Citibank is everything a big bank should be. Expensive to use, branches everywhere and ignorant of customer satisfaction. Normally, I wouldn't use Citibank for banking. However, after receiving a deal on a Free Checking Account, I am willing to live with...

Pros: Good online features, bill payment
Cons: Unintegrated/awful customer service

I moved to San Francisco over a year ago and went shopping for a bank like most others do: walked down the block to the closest one. It was a toss between Wells Fargo and Citibank. Since I travel, I chose Citibank (they're all over). Here's what I think...

Pros: big, huge, commercial, no feelings
Cons: money hungry, dont give a damn

I think these people are out to suck every penny they can from the average Joe.

They charge a buck here a $5.00 fee here, 10 bucks a month to hold your money, and if god forbid you make a mistake and bounce a check because something might not...

Pros: convenient, site loads fast, all the details are available to you
Cons: Site can be a little confusing

I have had a Citibank credit card for several years, and I recently checked out their website to see if I could access my statements online. I was pleasantly surprised to find that I can. They give you a list of current charges, amount due, and last...

Pros: there wasnt any
Cons: puts your payments in someone elses accounts and loses your paynment alot!

Our first home was financed through Citibank. Oh brother!!!!!! In the 10 years we had the loan they lost our payment 10 times! And of course they tried to accuse us of not remitting the payment. 10 times I proved them wrong. They posted our payment two...

Pros: stability, security, reliability, customization
Cons: doesn't mirror the way people think about banking.

While the site is stable and gives the impression of very high security, it doesn't act like a cohesive banking tool. It appears they chose not to build the site around common use cases. The interface and features do not reflect the way online...

Pros: one stop shopping, customer service orientation
Cons: it's a bank - rates are lower, and bureaucracy is alive

Let me tell you a story about this bank, and why I have stayed as a customer for over 15 years. I was robbed - of everything, a few years back, including visa, checkbook (with a new batch of checks), etc. Citibank's customer service worked with me -...

Pros: easy to use, bonus for opening account
Cons: I live in Atlanta and there are no branches around here.

They did it. Yes, I was sucked in by one of those ads that seem to be everywhere that say open an account with us and get $50 (sometimes I see a $100 promise). Well my experience is that there are conditions but if you meet them you do get the bonus. ...

Pros: No pros.
Cons: They mistakenly debited my checking $600 and didn't return it for 15 days.

I wrote a check for $600 and it was cashed last month. This month Citibank allowed it to be cashed again. When I called them they insinuated that this was probably fraud on my part, and they told me I'd better put more money in my account so my checks...

Pros: I'll let you know if there are any ever. They keep taking my calls.
Cons: Rude, incompitant customer service. Almost illegal business practices. NOT MILITARY FRIENDLY!

I'd suggest anyone joining any military branch quickly re think that decision as I am now paying for it YEARS later. I am a pretty hardcore soldier I think, spent a year in Iraq and other fun places and my experiences with Citibank have almost brought ...

Pros: Low HELOC rate
Cons: Deceptive, possibly illegal, definitely shady business practices. Phone customer service staff barely speak English.

We got a HELOC from Citibank last year. Here is the letter I wrote the branch credit manager after several months: November 11, 2007 To Whom It May Concern: We are writing this letter to formally complain about the deceptive behavior of one of ...

Pros: One of the few banks on East and West Coasts, decent online site.
Cons: High fees, Impersonal service can leave you feeling kind of crappy.

My school required me to have a California bank account to do business with them, so I joined Citibank when I started school in LA. Coming from New York, I wanted a bank that was on both coasts, as to have convenience and to avoid ATM fees regardless...

Pros: decent rates - not the best, but but certainly not the worst...
Cons: customer care leaves MUCH to be desired; not organized.

I applied for a home equity loan through Citibank because I had received a letter in the mail around the time that we were looking into putting some money into home repairs... Thinking that they were a good bank, we decided to go through them for our ...

Pros: Wide range of banking products available. Good online services.
Cons: Horrible Customer Service.

My wife and I have been with Citibank for about 2 years. It has been very convenient having all of our accounts with one bank, but it is an absolute nightmare dealing with customer service at Citibank. We started out by opening a basic checking ...

Pros: Online Banking and Bill Pay, Tools, Pricing Structure, Rewards Program (Thank You)
Cons: Customer service quality dependent on who answers, not consistent high rate savings/money market offering

As I explored banking options, I considered if the services fit my needs which were top-notch free online banking and bill pay, minimize or eliminate fees (especially ATM) and have all records in one place. I banked with Wachovia for 7 years and there ...

Pros: bill pay works
Cons: bad navigation poor customer service broken site poor integration

I recently opened an account in the last few weeks with Citibank due to one of their promotions. I currently have an account with Bank of America as well, and have had accounts with a number of other banks, including online banks such as National ...

Pros: Good online banking. Linked accounts are convenient.
Cons: I've never gotten a toaster.

I've been with Citibank since 1987 and have only had a few glitches in that time. I have a checking account, overdraft protection and a no-fee platinum Mastercard. I have the basic checking account which only allows me to write a few checks for free ...

Pros: One branch close to my house, debit check card, quick online bill payment with citibankonline
Cons: Lots of fees, way too many bank errors

First of all I opened this account because I desperately needed to open a basic checking account to pay my bills after wandering along without one. Just a simple little checking account with little or no monthly fees. So I ran to the local EAB and...

Pros: Easy to navigate website, customer service, ATMs everywhere in NYC
Cons: High fees for some accounts

I just moved to NYC from Texas last summer and I was forced to switch banks. I decided to open an account with Citibank.

The reasons were simple: 1. ATMs are everywhere 2. No minimum balance for my checking account

I had no trouble...

Pros: Not really worse than the rest.
Cons: They stink as much if not worse than the rest.

I do all my personal and business banking at Citibank and with the amount of money I invest with them they gave the special orange card treatment. You would imagine good service. NOT! Since, Cal Fed sold out, I have been introduced with surprise fees. ...

Pros: I didn't have time to taste any pro.
Cons: Arrogance, bad service, lots of paperwork

I didn't have time to know Citibank, I decided to cancel my account even before they proceeded to fully activate it. After opening both a checking and a savings account with good hopes about it (the reason was their 4.5% interest in the savings), I had ...

Pros: Absolutely none
Cons: phone harassment, poor service

Why I ever chose to deal with Citibank is a question I have certainly asked myself many times! I made the mistake of responding to a special credit card offer I received in the mail.

First off, the offer was to transfer my balance at a lower...

Pros: Banking center people may be friendly.
Cons: Broken business process, inconsiderate and unhelpful customer service, penalize customers for their own mishaps.

I have had a Citibank credit card for a while and thought I would open a CheckingEZ account too ...

Pros: convenience
Cons: poor business methods

I used to have a Citibank VISA card up until a few years ago when I sat down, stunned that my bank statement still showed a balance owing after paying it off in full before the balance due date! Apparently, I still owed them interest on the unpaid...

Pros: Well designed, easy to use website
Cons: Customer service, especially investment services need some serious improvement. Low interest rate.

Citibank has a pretty good brand name. If you live in a major city with significant financial activities, such as New York or Chicago, Citibank probably has many branches. I have been using Citibank for two years now and in the end, I have very little...

Pros: Size, options, online service
Cons: Customer Service, online account opening

Opening a Citibank Online accounts was the most frustrating experience I've gone through since I was wrongly accused of my wife's murder! Just a few days after entering the account online I received my Citibank ATM card, and thought it was the...

Pros: Great online banking web site, excellent assortment of financial products that are well integrated.
Cons: Citibank Gold has excellent telephone customer service. Other accounts may be spotty.

There's no doubt that Citigroup has lost much of its luster recently, due to its poor investments in the subprime market. However, its two main consumer branches, Citibank and Smith Barney brokerage are continuing to provide excellent service and ...

Pros: ATMs can be found often enough. Have had no problems.
Cons: Lines are enormous for both tellers and even ATMS

Citibank is a bank for someone who is low maintenance and just wants a place to keep their money. I have had an account there for years for my basic needs and have not had any problems.
Their customer service is fine (unlike Chase) and their ATMs...

Pros: NOTHING
Cons: WORST BANK EVER. TREAT THEIR CUSTOMERS LIKE SECOND CLASS CITIZENS.

I live in NYC and own a small multimedia company.
I chose Citibank (unfortunately) for several reasons, mainly access to branches and what I thought at the time was decent online banking.
I have learned, however, that CITIBANK has absolutely...

Pros: Low fees, convenient locations
Cons: Customer service!!!

I set up a new account with Citibank after moving to a state where my former bank does not operate. The opening deposit to my savings account was made with a cashier's check from my former bank, and I was told at the time that personal checks may take a...

Pros: Wide range of services
Cons: Interest rates a little behind other banks

I was a Cal Fed ( California Federal Bank ) customer going back to the early 1990's; in March 2003 it was absorbed into Citibank. My current accounts are a money market fund ( with checking ), a standard checking account with interest, and some CDs. ...

Pros: Citibank's Credit Card division is nice
Cons: Every other part of Citibank

I applied for a variable rate HE loan from Citibank. Everything seemed to go smoothly, until I chan ...

Pros: has online banking, professional & polite service
Cons: may be sparsely located in some cities

I have been a Citibank customer for over five years now and am quite pleased with the service I have been receiving. As a checking customer with a budget checking account (limiting me to no more than six checks per billing period, or month), I can...

Pros: Online Navigation, Customer Service staff
Cons: No MC/V debit card yet

When I opened my checking account with Citibank I was a little leary. I just came out of a bad "relationship" with Chase; but that's another Epinion. Boy, was I surprised. Citibank is wonderful.

The online services are easy to...

Pros: Quick, Easy and Free
Cons: None that I see.

I used to pay late fees every month with my Citibank VISA. I guess I was just a procrastinator. Since I opened a Citibank Savings and Checking account I haven't paid a late fee in almost a year. My credit card is now linked with my bank accounts. I...

Pros: a lot of locations
Cons: Lack of ethics, service, poor interest rates, no debit card.

I started my relationship with Citibank in 1986. I left Citi in 2000, totally in disgust and anger. What really upset me was when I decided to have my wife enter as a co-signer on my account (making it a joint account). The line to speak to a...

Pros: Excellent service, many benefits
Cons: minimum balance to have free service

Citibank is really one of the best banks out there.

First they offer free checking if you have a sertain amount of money in there account. The sum is ~2,000-3,000.

They also have the ability to be a full service bank, and a full...

Pros: None.
Cons: Sending everything before an account is "actually" approved.

I applied for a checking account with Citibank. I had already had an account with a credit union but wanted to have a two bank accounts each with a different purpose: one for saving and one strictly for paying bills. I applied with Citibank online. I ...

Pros: None
Cons: Many

Around 7 years ago I split with my fiance,we had been looking at houses for some time but alas it all ended.I decided to go ahead and buy a house myself anyway,I had trouble finding a bank to lend me the money,I ended up using the Advance Bank who I had...

Pros: Very Nice Bill Pay interface
Cons: Takes multiple phone calls to resolve problems

After reviewing a number of on-line banks last year, we decided on CitiBank. We were greatly impressed with the easy of using site and with the helpful nature of the phone support when we ran into questions. Until the third or forth call to get our...

Pros: none
Cons: Horrible! Their customer service always gives incorrect information and they always cause account problems.

I recommend that people stay away from Citibank. Many people (including myself) have had horrible experiences with Citibank where their customer service reps give incorrect information which lead to problems. It always requires talking to at least three...

Pros: None
Cons: Horrible customer service

I signed up for the AAdvantage Citibank Visa several years ago, so that I could earn frequent flyer miles through the use of their Visa card. It's been an OK card, until just recently.

I was sent an offer to transfer a balance to my...

Pros: Ease of use, good interest rates
Cons: Locked into investment time period

Want your money to grow quickly and easily? Try a Certificate of Deposit. You can easily call up your local Citibank branch and within ten minutes or so you can open a CD account over the phone (assuming you already bank with Citibank). A CD enables...

Pros: Nice Staff
Cons: branches in different states aren't quite linked together, no online branch

Back in last August I tried opening an account at a Miami Citibank, which I wanted to transfer to NY. It was explained to me that at the time Citibanks in different cities weren't connected to a central network. The lady told me that this meant if I...

Pros: Technologically superior
Cons: Target markets limited, not for average person

I worked for Citibank, now CitiGroup, for 25 years. I left there in 1996.
I don't want to get into the details of their services - those subjects have been well covered by other writers. However, I would like to share this - from the time I...

Pros: No annual fee. Increase in emergency. Low APR. Great Website.
Cons: NONE

Citibank was the first one to place trust in this single mother after my divorce (before which the ex filed for bankruptcy and used my military power of attorney to sign my name to it.)

Citibank's original APR was 14.9% and my original limit...

Pros: all accounts are linked many nyc branches
Cons: long lines at branches tellers have bad attitudes

I've been with Citibank a few years. Having Citibank is a convenience
living in New York City lots of atm's so no atm fees, but they try to hit you with other fees. you Citibank customers you know what they are.

I found out something very...

Pros: Simple and efficient.
Cons: Time they offered more.

I have been online banking with Citibank since 1989. One of the great things about Citibank over the years is that they have stood behind their product and they have kept the screens simple. In the old days too much graphics was a huge problem at 2400bd....

Pros: Good service
Cons: For large accounts

My parents bank with Citicorp so naturally, my first account was with them. In my experience, their tellers were friendly and helpful, as was their telephone representatives.
As I grew more aware of all the hidden costs of banking, I began to...

Pros: Over the phone mortgages!
Cons: They keep up with you until you are done

I have had a Citibank mortgage for 9 years and must say, there is no problem. I do know that some parts of banks work better than others. But, last summer they called me and asked if I wanted to convert my variable rate mortgage to a fixed rate one. I...

Pros: The future is here now, secure, rapid service, ease of use, accurate, Quicken happy
Cons: Mega-corp, requires some techno-savvy, It's still a bank

After my 10 year love affair with a smallish local bank was abruptly ended by a merger with a not-so-nice mega-corp, I had to choose a new bank. The void of community banks caused by the merger brought many new small community banks to town and I looked...

Pros: well... a lot !! easy, fast and worldwide
Cons: I dont find it

My husband and I live in Bremen, Germany. On 1999 we went to Indonesia to celebrate our Wedding traditionally and for this Wedding we received
money or checks from our friends. There were 2000 guests on our Party, so
you can imagine how many...

Pros: convenient and efficient
Cons: many ridiculous fees

Citibank to me, is like the McDonalds of the banking world. There's one on every corner and they have become a global, money making oppressive corporation. They treat customers that don't make 6 figures like McDonalds treats its employees. It is the...

Pros: good customer service
Cons: hard to navigate

OKay, I know I gave Citibank a favorable rating a while bank and they're still a great bank, but omigod their website just stinks! When I first joined Citibank and I then registered online so I can have access to my bank accounts, I had a little bit of...

Pros: So many
Cons: None

I am right out of college- so when things are broken, stolen, etc- I treally hurts me financially.
Citibank Visa has been so good to me- paying me back for stolen items, things i was double billed for, things i shouldn't have been billed for, etc....

Pros: Phenomenal Web Banking, lots of branches
Cons: High fees.

Their web banking is great. They pay most of my bill electronically within two days. With automated scheduled payments (rent etc...) I only have to deal with the bank 5 times a month. I get cash or deposit money once a week and pay bills only once a...

Pros: everything financial at one site, anyone can use it
Cons: private network is slow

I have been using Citibank for over 15 years. They were good before they introduced online banking but now they are wonderful. I started online banking when Citibank first introduced it many years ago. You don't have to be a computer 'geek' to use it....

Pros: Citibank has strong marketing, but questionable interest rate policy.
Cons: Recent statement February 2003 revealed hidden rate increase.

SITUATION:

On my February statement for my CitiBank platinum credit card, I noticed that the interest rate charged had gone up from 9.65% to 19.95%, without any notice, warning, explanation, nothing. I spend a half hour on the phone with them...

Pros: Good online banking system.  Allows you to see clearly all the sneaky fees they impose.
Cons: High, poorly disclosed fees, poor treatment of customers, lack of professionalism at local branches

Anyone who peruses complaint blogs will notice the hue and cry over the new (Nov 2008) $10 Fee Citibank charges every time one's account dips into Checking Plus.  The whole point of Checking Plus is to eliminate the worry about overdrawing an ...

Pros: ONLY the website
Cons: Disorganized, Bureaucratic, Customer Service doesn't seem to want to help you

All I wanted to do was add a signer to my checking and savings accounts... The first few times I called to do this, the person would tell me that I needed to go to the nearest branch (you think that they would be able to see that I opened my account ...

Pros: lots of branches, great sounding ads
Cons: uninformed reps, lack of fulfullment

In response to a Citibank offer (a palm 105 for opening an internet account), I opened an account in December, 2002. The reps I spoke with gave incorrect info regarding how I could fund the account, offered to let me fund the account with electronic...

Pros: none
Cons: terrible customer service, frequent errors

Citibank Direct Banking (Online banking) represents the lowest point of customer service and integrity in today. I simply have lost respect and trust in the bank that hire the worst possible employee who make frequent errors that cost customers...

Pros: Established Name
Cons: Poor Customer Service; Inaudible Phone Operators

I've never received such poor service from a bank before now. I recently applied for a savings account at citibank online thinking it will be an easy and time-efficient way to do it. I was wrong. I was sent a letter telling me that they need some ...

Pros: Easy to use, reliable, online banking system
Cons: Slow, poor, apathetic customer service

On several trips to both Citibank locations here in Marin county, California, the service was horribly slow and inadequate. Lack of having a sufficient number of tellers available combined with service apathy equates to customer frustration. On my ...

Pros: Convenience, Sufficient ATMs for instant service
Cons: I don't know any, depends on what service you are looking for

Last Wednesday I have opened a Citibank savings and checking account by phone. The representative who was very pleasant took my application over the phone. The following week I received my new ATM card along with my savings and checking account number...

Pros: Internet banking is efficient and easy to use
Cons: Not a Lot of locations South of NY

I have used Citbank as my main bank for years, ever since before I started college. I chose this bank, to be completely honest, because it was the bank that my father used and since he went there regularly, he was able to make deposits for me. However, ...

Pros: Worldwide presence
Cons: Bad costumer service, low rates for savings.

I've have had some many problems with Citibank, that I just don't know where to begin...... at first it seemed like a very decent bank, with good client service and good interest rates being paid for your money..... but all of a sudden, service got...

Pros: Free Bill Pay, 24 Hour Customer Service, Free Checking.
Cons: Automated Phone system updates slow

When Citibank bought out Cal Fed, they kept a constant line of communication open with the merger cu ...

Pros: Good coverage in Chicago
Cons: Customer NO-service

Three weeks have gone by since we first started trying to open two linked checking accounts. Representatives are either very poorly trained or simply do not listen. Attempted to sign up online but kept getting bumped off and application was not...

Pros: Tellers are nice but can't help the delay time
Cons: Poor service

What normally takes less than 10 minutes to process a transaction through CalFed now takes 30 minutes with the change over. Most is wait time with not enough tellers. CalFed desk staff from new application use to help out when they see long lines but...

Pros: No Annual Fee Cash back on purchases
Cons: Poor customer service 10-minutes of sales pitches everytime you call

Citi does not stand up for their customers! I purchased several light fixtures online for our kitchen renovation project at a cost of $300. When the box arrived, the lights inside were bent, broken and unusable. Because the shipping container had ...

Pros: Good customer service. Useful Website. Nice looking ATM card.
Cons: Charges me to exist.

I am a normal kind of guy. I use my ATM card 3 or 4 times a week, I buy things in stores with my debit card, I write the odd check here and there for rent and bills. In a normal month, my average balance is probably around the $1500 mark. Citibank seems ...

Pros: NONE, Too many fees, LIES
Cons: Online Bill payment? Checks Don't come. THEY OPENLY LIED TO ME

On 12/08, I made a bill payment, for my rent, which is due December 15th. I was told to give it 5 business days,and thought that it would all be OK. As of today, 12/21, the check has still NOT come at all. When I called, I was told that I had to wait...

Pros: Free bill payment
Cons: They are not internet savvy, not even close.

I had an account over at citi/fi and when Citibank closed citi/fi offered me a 100.00 to switch to Citibank Online.

The switch was so painful I can hardly describe it. I had no access to my funds for about 10 days, and they did not know when...

Pros: Nothing stands out
Cons: Terrible service--higher than average prices

This bank has a web site to let you review account info and schedule payments. These functions are very simple and work pretty well. But heaven forbid you need something more than a computer program to help you when dealing with Citibank. For quite a...

Pros: 5% savings
Cons: Insecure. Ignoring by online customer support. Debit card blocked - EVERYTHING is blocked.

I opened online checking and savings account month ago. I received their welcome package 3 days after. Sent back signature page. I received checks today, and never received debit card that supposed to come couple days after welcome package. I sent two ...

Pros: Not one.
Cons: Citibank in not a loyal business. Customer service fraudulent with information to close my case.

I ordered Christmas baskets for my clients this year. The vendor shipped the baskets from California direct my clients. They wrote the wrong company name in the "Sent by:" box. None of my clients knew their basket was from my company. The basket vendor ...

Pros: Charges you with unwanted, unauthorized insurance
Cons: Offers a high credit line

Having had all kinds of credit cards all throughout college, I have decided to consolidate all my debts into one single card soon after graduation. When I first received my Citibank Platinum in the mail, I was ecstatic. Now, I finally only have one...

Pros: Good on-line capability
Cons: Rotten customer service

I've been a customer of Citibank for many years. I started with them when they were one of the few banks that had on-line capabilities. Over the years their online features have become more robust, easy to use, and helpful.

BUT... God help...

Pros: Helpful
Cons: Not located in my area

Citibank is a member of Citigroup which is a number of companies such as Traveler's, & Primerica. Citigroup is company willing to give those with not so great credit a second chance and a way to earn good credit back. Citigroup also looks out for...

Pros: The music while you are on hold is pleasant.
Cons: Representatives do not have the correct information and do not follow up.

I have had several bad experiences with Citibank. This is my latest. I wanted to cash out a CD when it matured on 7/8/00 and to have the proceeds mailed to me. It was inconvenience to go to the branch.

On 6/7/00 I called Citiphone and was...

Pros: Good customer service
Cons: Very large institution.

I have found that this bank is very good in areas of customer service. They were the first institution to issue me a credit card, upon my re-entry into the realm of higher education. They have never been presure salespersons, and have always had the...

Pros: So huge they won't be going kaput soon (unfortunately)
Cons: You name it, it was bad or worse.

The worst service ever. Our old local bank was taken over by Citibank years ago and we thought why not stay with them and give them a shot? They had our savings, checking, and several investment and retirement accounts. Our life savings. Plus a ...

Pros: Everything about it.
Cons: Need more branches in the area

I searched and searched for a new bank here in the Washington DC area, and can honestly say that Citibank has the best deal out of all of them.

Their online banking product alone is worth the $1500 minimum that the bank requires to escape...

Pros: no fee checking
Cons: no visa check card

I admit I do love my Citibank checking account. It has no monthly fees and no atm fees. Although I do have a monthly quicken fee. so that I can download all my transactions into quicken. There are two things I dont like about this bank the customer...

Pros: Direct
Cons: Very little data available to verify

As of today I am boycotting Citibank.
Why you may ask?
Well first we can look at http://www.freespeech.com/article.php3?sid=20000219113151
or for that matter...

Pros: branches everywhere, good for most budgets
Cons: where, oh where, is the customer service?

Citibank is a very mixed experience. On the plus side, they have branches and ATMs everywhere, saturday hours, decent online banking options (although their are problems with their login screen) and have fee structures that fit most lifestyles. On the...

Pros: none
Cons: lousy customer service

I tried to open a simple checking account with Citibank. It was the largest hassle I ever stepped into. First the online application was approved. Then I had to fax in a form, which they lost. Then they sent a "welcome kit" to my house, with separate ...

Pros: CONVENIENT LOCATION
Cons: EAB TO CITIBANK TRANSFER WAS TORTURE, CUSTOMER SERVICE WENT DOWN THE TUBE.

I HAVE BEEN AN EAB CUSTOMER FOR 12 YEARS. I NEVER HAD A PROBLEM WITH THEM UNTIL CITIBANK TOOK OVER. I WAS TOLD THAT I WOULD NOT HAVE TO PAY ANY CHECKING FEES BECAUSE MY SAVINGS BALANCE WAS WELL OVER THE MINIMUM REQUIRED TO OBTAIN FREE CHECKING. THEY...

Pros: FREE Shipping and Handling, Return Protection, lowest price guarantee, etc
Cons: You have to open up a Fidelity money market with $5000

A must have credit card with NO annual fee IF you pay your balances off in full every month and you consider benefits like: FREE Shipping and Handling on catalog and online purchases over $50, A 90 Day Return Protection which covers restocking fees, A 90...

Pros: Many locations throughout US and worldwide.
Cons: Misleading practices of bank representatives.

Why would one want a banker that lies to a customer's face in order to open a "better" account that will incure monthly service charges, while it was promised to be free? It happened in my case. They also had an on-going promotion for 10,000 bonus TY ...

Pros: THe customer service reps were all very nice people
Cons: The reps just couldn't/wouldn't do what I requested. 

I too had a negative experience with the customer service department (letters from "S. Larson" and six reps) over the course of almost three months.  All I wanted was a letter verifying what they told me over the ...

Pros: Don't remember, but something must have influenced my decision to use Citi.  
Cons: See above.

I wanted to close my account a year ago when taking out funds for a house purchase.  The representative convinced me to leave it open (a mistake) in case I needed to use the account in the future.  No mention was made of the minimum balance ...

Pros: I opened 1st national account, got sold to CalFed then Citibank in less than 1yr.
Cons: No one care about helping customer from customer service, branch managers, to even area manager.

Citibank required me to deposit any casher's check over $10,000 in their local branch. However, the local branch lost my deposit. I called to the customer service; they claim it is not their problem because it is the branch that lost my deposit. When I call the San Leandro branch manager, Michelle, she said that she don't have to power to correct my account. I call the area manager, Mike Hamilton; all I get is a answer machine. After leaving a detailed message, he never called me back. When I asked around, no one knows where he is.

Pros: none
Cons: For any reason imaginary or otherwise Citibank will raise your rates.

I have been a loyal customer of Sears Credit Card for 5 years, and received excellent service and a great rate (in the neighborhood of 13%).

After Sears sold my account to Citibank they have increased this rate to 23% APR.

After calling Citibank, customer service reps would not tell my why they increased the rates even though I never missed a payment and prime rate is at 6% (I believe prime rate went up by 1% in that time).

I cannot in good conscience recommend this abominable company to anyone

Pros: Feel-good ads
Cons: Dishonest and unhelpful customer service, low interest rates, exorbitant fees

I just ended my two-year hate/hate relationship with Citibank. They pay very low rates on savings and checking relative to online options such as ING or NetBank. They also have much less flexibility if things go wrong. For example, a credit card company that I use overdrew the account twice in rapid succession. This resulted in a lot of fees--more than the balance on the account in the first place. I called Citibank to clear it up and close the account (which was low-use), and was told that both fees would be waived. They then convinced me not to close the account. (Contrast this with the credit card company, who realized their error and refunded the fees they were hitting me with.)

Low and behold, it turns out they were lying. Now I've had an overdrawn account for two months (statements are going to the wrong address--surprise). They won't do anything with the account as far as further appeals go until I pay first. Of course, then they'll have the money they promised me! You won't find me, my children, or my grandchildren within 100 yards of this bank.

Pros: Lots of ATMs and local offices.
Cons: They lie about my money, and keep it without interest.

I had a CD at Citibank and wanted to partially renew it over the phone, putting the remainder in my checking account. That sounds like a simple transaction. I spoke to a nice woman in India who took all the information and said the transaction would take place the next day.

The next day the money did not show up on the Internet. I called India again and was told it would take 2 days.

When it still did not show up on the third day, I was told it would take 7 business days (meaning 9 days in reality.)

Since they add 5 days to the delay every day, I have a feeling I will never get my money.

Pros: Good, reliable web site
Cons: Very hard to get someone on the phone. Long lines at branches

Since I do most of my banking online, I'm quite pleased
with Citibank's excellent web site. But if something
goes needs personal attention, good luck getting someone on the phone. I don't think there is even a menu choice offered to speak to a representative. Repeated 0's gets you in a queue to wait for one, but often you are bounced back to the automated system before you get someone. A very frustrating experience and a terrible way to treat customers.

Visiting a branch is better but the lines in Manhattan are
often quite long often with few of the teller station's
manned.

Pros: - Internet account access
Cons: - Worst customer service reps - Hidden charges

There was a DVD promotion by Citibank and I as well as 2 more friends enrolled. None of us got the DVD as promised (after fulfilling all criteria). All of us followed up and found the same - the customer service representative's answers were vague and only thing they did was open an investigation on our eligibility.

One of us kept repeatedly calling the customer service and even tried reaching the head of customer service (some guy named Steve). After 3 months of follow-calls, none of us got any response.

Plus, the customer service answers were vague and baseless e.g. "your investigation will take 30 days or more.", "there is a back log and you should hear from us after 30 days.". There was no concrete answer neither there was any reference number or case number provided until we asked for it (I doubt that the case number is authentic).

Overall, I would not recommend opening a checking or saving account except that you are fine with poor customer service.

Pros: Online checking is good, when it works. Many branches out there.
Cons: Horrible support for IRAs and Brokerage accounts.

I've used Citibank for over 15 years, reluctantly, as I have experienced problems but haven't found a better bank with the same level of offerings. But this time, they have taken the cake - my cake. I tried to transfer 5000 into my Roth IRA for 2006 and had to go to a local bank as the online function wouldn't work due to data entry errors for my birthday. Fine. Inconvenient but okay. I showed my ID, did all the paperwork and got my receipt. I checked back after four days and my money is GONE. They took the 5000 out of checking but never put it into my Roth IRA. Scary stuff.

The previous month I was funding the Roth IRA for 2005 and they put it into my Rollover IRA. After calling and emailing, I was informed that I had to write a letter. I said I didn't make the mistake, you did. No matter. I wrote the letter and got ready to mail it and low and behold, they actually researched and found it was their mistake.

I'll be spending another morning taking care of this, and finding another bank to move all my business too.

Pros: Nice package
Cons: Untimely customer service, bureaucracy, bad *real* customer service hours for people on west coast.

I applied online for a checking account with Citibank over a month ago. I was drawn in by the free online bill pay and a $100 incentive.

Since then, I have called Citibank over 10 times, have copied and faxed them numerous documents, have gotten a huge number of confusing packages in the mail and STILL DON'T HAVE A CHECKING ACCOUNT OPEN. Citibank has had all the documents it's needed for well over a week-- they just needed to make a "courtesy call," but they haven't. I finally got fed up today and pulled the plug on the application process. It's ludicrous that I would have to interact with a service this much before I'm even an official customer.

Pros: Nothing, not one single thing.
Cons: 15 words?: crooks, thieves, dishonest, immoral, unethical, crooked, liars, cheats, lowlifes, scumbags, irresponsible fools.

Do yourselves a favor and stay away from these thieves. Actually, my Citibank Visa, which they sent unasked for, was all the bad experience I needed from these crooks. Their Security Department, though I hesitate to call it that, approved $7,000 worth of cash advances on my card, all fraudulent, all within 24 hours, without ever checking with me, despite the fact that in the five years I had the card I never used it for a cash advance of any kind. Their actions in attempting to recoup as much of this money as possible were unethical, immoral, and probably illegal. Trust me, these people are as crooked as the day is long. They've screwed up my credit, threatened me with repaying the $7,000, and are still screwing with my credit today, and all for something I had nothing to do with. Find a small local bank wherever you live and stay as far away from these jerks as possible.

Pros: Reasonable interest rates and online account features
Cons: Poor customer service, account security issues

Attracted by the e-savings account rate, I transferred all of my money to Citibank last year. I have already had 3 unauthorized transactions which they cannot seem to explain. Their recommendation is that I switch my checking and savings account numbers every few months which makes it impossible to do online banking since I have to setup the new account each time. In addition, I tried to open up a brokerage account a few months ago. Although I received an electronic acknowledgement that they received my application, they inform me that they lost it. Half the time my calls get re-routed to India. I have trouble understanding the representative's accent and they rarely understand my issues.

Pros: Simple web site. Free bill pay. Local branches (big cities?) Low balance, high interest savings.
Cons: Other than charges for outgoing transfers I don't know of any.

Okay, So I just dished NetBank in a review. Time to balance the Karma out.

CitiBank is everything NetBank isn't. Simple (EASY!) website. Local branch presence (at least where I live). Free bill pay and incoming transfers (fee for outgoing?).

Single login for bank and credit cards. Fees are reasonable and can be avoided if you can park some money.
Open a CD or E-savings account to meet the minimum balance requirements to wave the checking fee and then it is all gravy.

Thank you points!, you can get a few hundred points a month for just banking with them.

Can't speak about customer service but that is because I haven't had any problems (That is real service).

Fees might be a problem if you can't maintain the minimum balance requirements, but if that is your case I think any bank is going to eat you up.

Pros: High donations to Upromis, at least the first $300. Easy, useful and fast on-line services
Cons: Ruthless. Never let Citibank be your sole credit card company.

Some of their practices seem like they intentionally try to "trip" people into credit problems. Here's what happened to me:
I always pay my credit card on time, but use it for everything. For this reason, my bill is typically high.
I opened an account from a different company that was offering no interest for a year. I opened that account with a balance near its limit.
Citibank found out, lowered my Credit limit to $500. I was not late on any of my payments, including Citibank.
I called Citibank customer service, the reason given for lowering my limit, was that I had a balance too near the limit on my new credit card.
I closed my Citibank account. I can't see ever using them again.

Pros: None whatsoever.
Cons: Abusive customer service.

I recently tried to open an account with Citibank over the phone. Yes, I'm an unusual customer. I was born and raised in the Midwest, but have a business abroad and live abroad. I was told that it was "illegal for someone not on U.S. soil to open an account." When I informed them that was NOT the case, I was told curtly "We do not want or need your business, sir" and hung up on.

I would seriously think twice about doing business with a financial institution which has this little respect for its customers.

Pros: None!
Cons: Inconvenient, expensive and - swindlers! Swindlers! Swindlers!

I opened a checking account with them. Immediately they started aggressively spamming my mail-box and my e-mail trying to persuade me to borrow money from them. I did not like that. 2 months later they sent me a letter saying from now on they will charge me $7/mo if I have less then $500 in my account. Then I found that business procedures they offer are inconvenient and expensive. I decided to close my account with them - and I can't do that! They ignore my request to delete my account made through authenticated CitiPhone Service to the Citibank employee, they ignore my e-mails, they "did not receive" the few faxes I've sent to delete my account and I can't reach them on the phone - their receptionist refuse to connect me to anyone and hangs up after making me wait listening to their music. Meanwhile they send me letters stating I owe them more and more for supporting my account... Beware of those swindlers!

Pros: They had a good interest rate and trouble-free for a while.
Signing up online was convenient.
Cons: They seem to try very hard to surprise you with charges and fees.

I signed up online for a Citibank account because they had a good interest rate.  The terms were no minimum balance.  At some point I transfered most of my money to a different bank.  Citi changed the terms and started charging me maintenance fees.  When that caused my account to go negative, they charged me an overdraft fee.  So I had to pay about $40 before I could close the account.  The only notification I ever got was on the paper statement, which I didn't look at carefully because the balance had been unchanged for months.

I thought that was the end of the story, but this month I got a new letter saying my account was now blocked and I would have to pay another $40 at a branch to close it.  It also stated that I had been notified, but I hadn't.  An email would have been nice.  They stopped sending me paper statements when I closed the account, and never sent an email notification of a new electronic statement.  It turns out they only closed the checking account, and then started charging me fees for the savings account which had a $0 balance.

Pros: Colorful ads and cheerful website.
Cons: Hopeless customer service.

The worst conceivable customer service. They have over-escrowed by monthly payment by about $500 for a year now and have not answered numerous e-mail and letter inquiries seeking to get my payment adjusted. Their tax work is sub-contracted out and although I was able to resolve the problem with their sub-contractor, dealing with headquarters was like beating my head against the wall. The sub-contractor itself was puzzled by the lack of response. Very friendly and cozy when they sell you the product, and then they turn into unresponsive bean counters.

Pros: none
Cons: Deceptive customer service, high fees,

I am closing my account with Citibank after over three years of use.  I am very disappointed with their customer service.  I use my card simply, and pay my balance in full every month.  Due to an error in their online bill pay, my payment was not credited for several days; making it late.  I was charged a $39 late fee and $24 finacne fee.  I called to straighten out thew confusiion and was assured the error was theirs and told I would see the finance charges credited on my next statement.  I waited and checked, but they never did.  I called again and was told they had no record of any such information and there was nothing they could do.  They charged me an additional finance charge ($32.50) and told me to wait 7-10 business days to see if there was any way they could change it. 

As long as you have no issues, your probably alright, but they will do nothing to help you if you do; even if it is their fault.  Beware of false promises, make sure you get a name and id number from any representative you talk with.

Pros: None
Cons: Terrible service, don't keep promises, really old website, transfers take forever.

I signed up with Citibank since there was a promotion going on, and I thought it'd be an easy way to get a little cash. I was told to make 3 deposits for 3 months before the 6th of each month, since that was the day my account opened. Well, on the second month my deposit/payment cleared on the 31st of the month (well before the 6th). When I call later to see why I never got the money promised me when I signed up, I was told that I needed to make one deposit per calendar month (very different that what I was told before). I jumped through hoops on their arcane system and never saw a dime. I cancelled immediately.

Pros: NONE
Cons: CITIBANK IS CRIMINAL AND SHOULD BE PUT OUT OF BUSINESS

I SENT A PAYMENT IN TO COVER MY SUNOCO CREDIT CARD ( CITIBANK ) 9 DAYS BEFORE THE DUE DATE. THEY CHARGED ME A $40 LATE FEE AND INTEREST CHARGE. WHEN I CALLED TO FIND OUT WHAT GIVES I WAS TOLD I HAVE TO FIGURE IT WOULD TAKE UP TO 15 DAYS FOR THEM TO GET THE PAYMENT. THE US MAIL OF COURSE DIFFERS WITH THAT OPINION. I ASKED FOR THEM TO CREDIT THE CHARGES BECAUSE I HAD NEVER MISSED A PAYMENT BEFORE AND IN FACT NEVER IN MY 65 YEARS EVER PAID LATE ANY ACCOUNT. THEY REFUSED I CANCELLED THE CARD AND WILL NEVER USE CITIBANK OR PURCHASE SUNOCO FUEL AGAIN. I ALSO HAVE A BUSINESS WHICH BUYS 7 TO 8 THOUSAND DOLLARS OF SUNOCO FUEL A MONTH WHICH IS ALSO CANCELLED.

Pros: Customer service, miles, low/no fees
Cons: Sparse branch locations (in Northern California)

Citibank is by far the best bank that I've used. Despite the fact that they aren't as well spread out branch-wise as Wells Fargo and the like, they make up for it rewards. With my checking account, I have the premium level AAdvantage Debit Card, which in addition to the 10,000 mile bonus, gives me 1 mile for every dollar spent.

Great bank, great customer service, and great rewards.