178 ratings (167 Epinions reviews)
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  • Verizon Rebate Card

    Dec 16, 2013 by
    Not yet rated.
    Pros: Absolutely Nothing!
    Cons: Citibank is to large to fail but they will fail you!

    Summary: Mine is a long story. It began when my wife used a debit card from my non-Citibank check account to purchase a pair of prescription glasses from the Navy Exchange on Pensacola Naval Air Station. The glasses were incorrectly made and she was given ... read more

  • Horrible Idea of a Banking Institution

    Aug 14, 2012 by
    Not yet rated.
    Pros: Rewards? I would never know since they froze my account without telling me.
    Cons: Everything mentioned above.

    Summary: I wanted to switch to a checking account with rewards and having a citi checking account would be great since I have bill pay and direct deposit which makes me eligible to earn around 8k points in one year. At the same time, i decided to open a credit ... read more

  • Student account ATMs - NOT free at other banks

    Jul 18, 2012 by
    Not yet rated.
    Pros: None
    Cons: Misleading info on student account ATM use

    Summary: this exchange speaks for itself as to misleading information on line AND from reps in customer service 7/17/12 ON LINE EXCHANGE WITH CITIBANK ABOUT STUDENT ACCOUNT ATM USE Welcome A Citi representative will help you in approximately 0 minutes 3 ... read more

  • terrible customer service!

    Jul 28, 2011 by
    Not yet rated.
    Pros: I dont pay for shipping of my card (??!!!) so far
    Cons: customer service
    long waiting period for credit card
    they make mistakes on the account

    Summary: I got married recently, my husband added me to his account and ordered a credit card for me. It took 7 weeks for the card to arrive in mail!Once I opened it I found out my last name is spelled incorrectly (!!!) so I called the customer service ... read more

  • Citibank can go f*ck itself

    May 27, 2011 by
    Not yet rated.
    Pros: Many locations, accessibility
    Cons: Sh*tty customer service, slow to return lost money, straight up steals your money

    Summary: I've been banking with Citibank for almost four years and, while I consider myself a patient person, I have to say that I am through with this bank.  It has frustrated me to such a degree that I think I can feel ulcers forming just thinking about ... read more


    Mar 8, 2010 by
    Not yet rated.
    Pros: none
    Cons: don't call on a weekend because your call will be answered in another country.

    Summary: NEVER USE CITI and especially not with EXPEDIA!!!!!!!!!!!!!!!!! BE WARNED!!!!i opened up a mastercard with them via so i can get $50 discount on my holiday. i made one transaction for this and i paid them back immediately, but, since ... read more

  • Citibank is a scam bank!

    Feb 15, 2010 by
    Rated a Helpful Review
    Pros: none none none none none none none none none none none none none none none.
    Cons: Theyre all the same! CROOKS! 

    Summary: Citibank has a scam where if you spend a certain amount, you're supposed to get 'Deferred' dollars. $50 to b exact. The problem is that you can only buy groceries and gas to get the $ and everytime you buy, they only add about a penny to the dollars ... read more

  • 5% CD

    Jan 22, 2010 by
    Rated a Helpful Review
    Pros: Citibank is the worst bank.  They used stimulus to name Mets Stadium too.
    Cons: Watch out for with your money if you deal with them. 

    Summary: March 2009 I get an email from Citibank that I can get a 5% CD for a minimum depsoit of $20K.  SO I phone the number they gave & the gal takes all my info with an investment firm's money market account number.  She told me within the week ... read more

  • Not to be trusted

    Sep 12, 2009 by
    Not yet rated.
    Pros: Many locations throughout US and worldwide.
    Cons: Misleading practices of bank representatives.

    Summary: 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 ... read more

  • Frustrating experience

    Jul 26, 2009 by
    Not yet rated.
    Pros: Don't remember, but something must have influenced my decision to use Citi.  
    Cons: See above.

    Summary: 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 ... read more

  • Sneaky Hidden Fees from a Desperate Financial Giant

    Dec 3, 2008 by
    Rated a Helpful Review
    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

    Summary: 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 ... read more

  • Steer Clear of CitiBank

    Nov 2, 2008 by
    Not yet rated.
    Pros: THe customer service reps were all very nice people
    Cons: The reps just couldn't/wouldn't do what I requested. 

    Summary: 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 ... read more

  • Incompetent service, indifferent reps, useless company

    Sep 29, 2008 by
    Rated a Helpful Review
    Pros: So huge they won't be going kaput soon (unfortunately)
    Cons: You name it, it was bad or worse.

    Summary: 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 ... read more

  • Deceptive, sneaky, and oh, man, the FEES!

    Apr 17, 2008 by
    Rated a Very Helpful Review
    Pros: Low HELOC rate
    Cons: Deceptive, possibly illegal, definitely shady business practices. Phone customer service staff barely speak English.

    Summary: 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 ... read more

  • Why we agree Citibank is a criminal organization like Enron

    Mar 17, 2008 by
    Rated a Helpful Review
    Pros: Not one.
    Cons: Citibank in not a loyal business. Customer service fraudulent with information to close my case.

    Summary: 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 ... read more

  • Worst Customer Service

    Feb 28, 2008 by
    Rated a Helpful Review
    Pros: Established Name
    Cons: Poor Customer Service; Inaudible Phone Operators

    Summary: 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 ... read more

  • Citigroup-s Woes don't translate to consumer

    Jan 21, 2008 by
    Rated a Very Helpful Review
    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.

    Summary: 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 ... read more

  • My Preferred Bank

    Jan 16, 2008 by
    Rated a Helpful Review
    Pros: Internet banking is efficient and easy to use
    Cons: Not a Lot of locations South of NY

    Summary: 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, ... read more

  • Decent though managers are kind of pushy

    Dec 9, 2007 by
    Rated a Very Helpful Review
    Pros: Wide range of services
    Cons: Interest rates a little behind other banks

    Summary: 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. ... read more

  • Hassle-Free Banking (Finally!)

    Nov 13, 2007 by
    Rated a Very Helpful Review
    Pros: Great promotional rates, no hassle, excellent website, great rewards
    Cons: Only that I had used other banks before Citibank

    Summary: 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 ... read more

  • Horrible Experience With Citi

    Sep 9, 2007 by
    Rated a Helpful Review
    Pros: No Annual Fee Cash back on purchases
    Cons: Poor customer service 10-minutes of sales pitches everytime you call

    Summary: 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 ... read more

  • Citicrap

    Apr 13, 2007 by
    Rated a Very Helpful Review
    Pros: I didn't have time to taste any pro.
    Cons: Arrogance, bad service, lots of paperwork

    Summary: 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 ... read more

  • New CitiBank account …open it or not ?

    Feb 7, 2007 by
    Rated a Very Helpful Review
    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.

    Summary: 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 ... read more

  • Great Savings Rate & A Robust Local Presence

    Feb 2, 2007 by
    Rated a Very Helpful Review
    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.

    Summary: 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 ... read more

  • Citibank - still insecure

    Dec 14, 2006 by
    Rated a Helpful Review
    Pros: 5% savings
    Cons: Insecure. Ignoring by online customer support. Debit card blocked - EVERYTHING is blocked.

    Summary: 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 ... read more

  • The Checking Account that Never Was

    Dec 7, 2006 by
    Rated a Very Helpful Review
    Pros: None.
    Cons: Sending everything before an account is "actually" approved.

    Summary: 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 ... read more

  • the worst home-equity loan experience...

    Dec 1, 2006 by
    Rated a Very Helpful Review
    Pros: decent rates - not the best, but but certainly not the worst...
    Cons: customer care leaves MUCH to be desired; not organized.

    Summary: 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 ... read more

  • Citibank: What more could you want in Internet personal banking?

    Aug 21, 2006 by
    Rated a Very Helpful Review
    Pros: Ease of, Banking with true higher standards, ThankYou points, No fees banking
    Cons: None

    Summary: 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, ... read more

  • Too Large Equals Too Impersonal

    Aug 19, 2006 by
    Rated a Helpful Review
    Pros: Easy to use, reliable, online banking system
    Cons: Slow, poor, apathetic customer service

    Summary: 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 ... read more

  • CitiBank hopes you die a slow painful death, along with your credit.

    Dec 8, 2005 by
    Rated a Very Helpful Review
    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!

    Summary: 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 ... read more

  • On-line account with Bonus - free money

    Oct 9, 2005 by
    Rated a Very Helpful Review
    Pros: easy to use, bonus for opening account
    Cons: I live in Atlanta and there are no branches around here.

    Summary: 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. ... read more

  • Citibank: Great Online Banking, e-savings discontinued

    May 12, 2005 by
    Rated a Very Helpful Review
    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

    Summary: 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 ... read more

  • Good bank as long as you don't need to use Customer Service

    May 7, 2005 by
    Rated a Very Helpful Review
    Pros: Wide range of banking products available. Good online services.
    Cons: Horrible Customer Service.

    Summary: 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 ... read more

  • lousy company

    Jan 13, 2005 by
    Rated a Helpful Review
    Pros: none
    Cons: lousy customer service

    Summary: 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 ... read more

  • Good Bank (if you have a lot of money to beat the fees)

    Jan 13, 2005 by
    Rated a Very Helpful Review
    Pros: On-line Banking and Bill Pay
    Cons: Customer Service on the telephone is not consistently great (or even good), fees

    Summary: 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 ... read more

  • Citibank is ok

    Dec 6, 2004 by
    Rated a Very Helpful Review
    Pros: Good online banking. Linked accounts are convenient.
    Cons: I've never gotten a toaster.

    Summary: 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 ... read more

  • Love 'em online; so-so face-to-face

    Dec 2, 2004 by
    Rated a Very Helpful Review
    Pros: Great online & ATM interface; good teller service; good telephone service
    Cons: In-branch account support is sad; limited ATMs and branches

    Summary: 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 ... read more

  • TERRIBLE Customer Service (phone people tell you something different every time)

    Aug 18, 2004 by
    Rated a Helpful Review
    Pros: ONLY the website
    Cons: Disorganized, Bureaucratic, Customer Service doesn't seem to want to help you

    Summary: 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 ... read more

  • Citibank is okay, AAdvantage Debit card Great!

    Jun 17, 2004 by
    Rated a Very Helpful Review
    Pros: Citibank AAdvantage Debit Card, International Presence
    Cons: Difficult Customer Service at times, slow to post transactions

    Summary: 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 ... read more

  • As soon as Cal Fed sold, Citbank ruined my experience

    Jan 23, 2004 by
    Rated a Very Helpful Review
    Pros: Not really worse than the rest.
    Cons: They stink as much if not worse than the rest.

    Summary: 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. ... read more

  • horrible online banking among other things

    Jan 7, 2004 by
    Rated a Very Helpful Review
    Pros: bill pay works
    Cons: bad navigation poor customer service broken site poor integration

    Summary: 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 ... read more

  • Citibank Lives Richly on my charges

    Nov 11, 2003 by
    Rated a Helpful Review
    Pros: Good customer service. Useful Website. Nice looking ATM card.
    Cons: Charges me to exist.

    Summary: 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 ... read more

  • Why I personally view Citibank as a criminal organization like Enron

    Oct 25, 2003 by
    Rated a Very Helpful Review
    Pros: None.
    Cons: Citibank does not honor its agreements with its customers.

    Summary: 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 ... read more

  • Citibank is a big frustrating disappointment.

    Jul 9, 2003 by
    Rated a Very Helpful Review
    Pros: Banking center people may be friendly.
    Cons: Broken business process, inconsiderate and unhelpful customer service, penalize customers for their own mishaps.

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

  • Keeping Cal Fed Customers Happy

    Jun 24, 2003 by
    Rated a Helpful Review
    Pros: Free Bill Pay, 24 Hour Customer Service, Free Checking.
    Cons: Automated Phone system updates slow

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

  • Do NOT get a home equity loan from Citi

    Jun 11, 2003 by
    Rated a Very Helpful Review
    Pros: Citibank's Credit Card division is nice
    Cons: Every other part of Citibank

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

  • CalFed changeover makes for poor service at CitiBank

    Apr 3, 2003 by
    Rated a Helpful Review
    Pros: Tellers are nice but can't help the delay time
    Cons: Poor service

    Summary: 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 ... read more

  • can't fulfill their end of agreement

    Mar 29, 2003 by
    Rated a Helpful Review
    Pros: lots of branches, great sounding ads
    Cons: uninformed reps, lack of fulfullment

    Summary: 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 ... read more

  • Current CitiBank Credit Card Interest Rate Hike Scam

    Feb 26, 2003 by
    Rated a Helpful Review
    Pros: Citibank has strong marketing, but questionable interest rate policy.
    Cons: Recent statement February 2003 revealed hidden rate increase.

    Summary: 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 ... read more

  • CitiCRANK online

    Dec 21, 2002 by
    Rated a Helpful Review
    Pros: NONE, Too many fees, LIES
    Cons: Online Bill payment? Checks Don't come. THEY OPENLY LIED TO ME

    Summary: 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 ... read more

  • If you're looking for a basic checking account, keep looking

    Nov 16, 2002 by
    Rated a Very Helpful Review
    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

    Summary: 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 ... read more

  • Don't bank with Citibank

    Oct 10, 2002 by
    Rated a Helpful Review
    Pros: none
    Cons: terrible customer service, frequent errors

    Summary: 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 ... read more

  • Dumbfounding, if not illegal, incompetence

    Jun 12, 2002 by
    Rated a Very Helpful Review
    Pros: No pros.
    Cons: They mistakenly debited my checking $600 and didn't return it for 15 days.

    Summary: 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 ... read more

  • Citibank is one for me!

    May 15, 2002 by
    Rated a Helpful Review
    Pros: Convenience, Sufficient ATMs for instant service
    Cons: I don't know any, depends on what service you are looking for

    Summary: 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 ... read more

  • Do you think paying fees are great? Then this is the place to bank

    May 2, 2002 by
    Rated a Very Helpful Review
    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.

    Summary: 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 ... read more

  • Worst Banking Experience Ever

    Mar 25, 2002 by
    Rated a Helpful Review
    Pros: Good coverage in Chicago
    Cons: Customer NO-service

    Summary: 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 ... read more

  • Citibank and Me

    Feb 28, 2002 by
    Rated a Very Helpful Review
    Pros: Easy to navigate website, customer service, ATMs everywhere in NYC
    Cons: High fees for some accounts

    Summary: 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 ... read more


    Feb 6, 2002 by
    Rated a Helpful Review


  • Hazardous to Open Account Online

    Dec 31, 2001 by
    Rated a Very Helpful Review
    Pros: Size, options, online service
    Cons: Customer Service, online account opening

    Summary: 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 ... read more

  • FREE Shipping and Handling, Return Protection, etc

    Nov 27, 2001 by
    Rated a Helpful Review
    Pros: FREE Shipping and Handling, Return Protection, lowest price guarantee, etc
    Cons: You have to open up a Fidelity money market with $5000

    Summary: 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 ... read more

  • Best bank for online banking

    Oct 18, 2001 by
    Rated a Very Helpful Review
    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

    Summary: 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 ... read more

  • Citibank kept my $1600 for 5 weeks and told me I did not exist

    Aug 7, 2001 by
    Rated a Very Helpful Review
    Pros: I was supposed to receive $100 cash through Gomez for opening an account
    Cons: Extremely Inefficient, annoying and failed opening procedure

    Summary: First or all, let me explain that I have had no trouble opening bank accounts with Bank of America, CalFed, Washington Mutual, and various credit cards (even with Citibank). May 29, 2001: I made an online application to ... read more

  • Citibank-Click&Morter bank is a good bank

    Jul 26, 2001 by
    Rated a Very Helpful Review
    Pros: Linked accounts=no service charges, free bill pay, decent cust. service reps
    Cons: Hassles with opening accounts over phone

    Summary: 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 ... read more

  • Good Student Loan & Other Services: Citibank, CitiAssist

    Jul 26, 2001 by
    Rated a Very Helpful Review
    Pros: very fast, simple, nice customer service reps online and on phone, great online services
    Cons: none

    Summary: 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 ... read more

  • Better than Chase

    Jul 17, 2001 by
    Rated a Very Helpful Review
    Pros: ATMs can be found often enough. Have had no problems.
    Cons: Lines are enormous for both tellers and even ATMS

    Summary: 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 ... read more

  • Citibank is a poor choice

    Jul 16, 2001 by
    Rated a Helpful Review
    Pros: Good on-line capability
    Cons: Rotten customer service

    Summary: 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 ... read more

  • Thank you, Citibank

    Jun 4, 2001 by
    Rated a Very Helpful Review
    Pros: No annual fee. Increase in emergency. Low APR. Great Website.
    Cons: NONE

    Summary: 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 ... read more

  • Customer service is horrible!

    May 14, 2001 by
    Rated a Very Helpful Review
    Pros: none
    Cons: Horrible! Their customer service always gives incorrect information and they always cause account problems.

    Summary: 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 ... read more

  • Do NOT invest with Citibank.

    Apr 18, 2001 by
    Rated a Very Helpful Review
    Pros: Well designed, easy to use website
    Cons: Customer service, especially investment services need some serious improvement. Low interest rate.

    Summary: 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 ... read more

  • Citibank Disappoints Me

    Feb 28, 2001 by
    Rated a Helpful Review
    Pros: Charges you with unwanted, unauthorized insurance
    Cons: Offers a high credit line

    Summary: 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 ... read more

  • Web banking rules.

    Feb 16, 2001 by
    Rated a Very Helpful Review
    Pros: Phenomenal Web Banking, lots of branches
    Cons: High fees.

    Summary: 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 ... read more

  • out of date bank

    Jan 28, 2001 by
    Rated a Helpful Review
    Pros: no fee checking
    Cons: no visa check card

    Summary: 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 ... read more

  • Citibank Is Great!

    Jan 3, 2001 by
    Rated a Very Helpful Review
    Pros: Friendly, Honest, Reliable
    Cons: None

    Summary: 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 ... read more

  • Citibank Online- Can I please see my balance already!

    Jan 3, 2001 by
    Rated a Very Helpful Review
    Pros: good customer service
    Cons: hard to navigate

    Summary: 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 ... read more

  • Citibank Online Sucks

    Jan 1, 2001 by
    Rated a Helpful Review
    Pros: Free bill payment
    Cons: They are not internet savvy, not even close.

    Summary: 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 ... read more

  • Room for improvement

    Dec 28, 2000 by
    Rated a Very Helpful Review
    Pros: Simple and efficient.
    Cons: Time they offered more.

    Summary: 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. ... read more

  • For your pocketbook's consideration...

    Dec 16, 2000 by
    Rated a Very Helpful Review
    Pros: has online banking, professional & polite service
    Cons: may be sparsely located in some cities

    Summary: 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 ... read more

  • perfect for me

    Dec 13, 2000 by
    Rated a Very Helpful Review
    Pros: flexible and easy
    Cons: website can be slow

    Summary: 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 ... read more

  • Citibank,no thanks.

    Dec 12, 2000 by
    Rated a Very Helpful Review
    Pros: None
    Cons: Many

    Summary: 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 ... read more

  • Citibank Online- Easy to Use and Reliable

    Dec 9, 2000 by
    Rated a Very Helpful Review
    Pros: Easy to navigate
    Cons: None

    Summary: 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 ... read more

  • One stop on-line banking and stock management!

    Dec 3, 2000 by
    Rated a Very Helpful Review
    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.

    Summary: 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 ... read more

  • Citibank: Looking for a great bank? Keep Looking

    Nov 29, 2000 by
    Rated a Very Helpful Review
    Pros: Great Decor
    Cons: Poor Customer Service

    Summary: 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 ... read more

  • Citibank at Work Program Works!

    Nov 7, 2000 by
    Rated a Very Helpful Review
    Pros: good atm coverage, no fees, free checks, banking online
    Cons: haven't gotten any yet. still waiting for the ball to drop

    Summary: 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 ... read more

  • Watch out...

    Oct 19, 2000 by
    Rated a Very Helpful Review
    Pros: Low fees, convenient locations
    Cons: Customer service!!!

    Summary: 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 ... read more

  • Personal Bank (Even For you!)

    Oct 18, 2000 by
    Rated a Very Helpful Review
    Pros: SERVICE!, personal attention, worldwide banking, free online bill payment
    Cons: Expensive fees, high deposit requirements

    Summary: 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 ... read more

  • Citibank VISA Interest-BEWARE!

    Sep 22, 2000 by
    Rated a Very Helpful Review
    Pros: convenience
    Cons: poor business methods

    Summary: 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 ... read more

  • The Citi never sleeps: looking for a way to take your money.

    Sep 17, 2000 by
    Rated a Very Helpful Review
    Pros: a lot of locations
    Cons: Lack of ethics, service, poor interest rates, no debit card.

    Summary: 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 ... read more

  • Customer NOSERVICE

    Aug 30, 2000 by
    Rated a Very Helpful Review
    Pros: Monthly statements processed on time, without fail.
    Cons: No commitment to service

    Summary: 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 ... read more

  • Could it get any worse?

    Aug 9, 2000 by
    Rated a Helpful Review
    Pros: Worldwide presence
    Cons: Bad costumer service, low rates for savings.

    Summary: 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 ... read more

  • Finally Linked, but not fully

    Jul 25, 2000 by
    Rated a Very Helpful Review
    Pros: Nice Staff
    Cons: branches in different states aren't quite linked together, no online branch

    Summary: 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 ... read more

  • Terrible service--high prices

    Jul 21, 2000 by
    Rated a Helpful Review
    Pros: Nothing stands out
    Cons: Terrible service--higher than average prices

    Summary: 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 ... read more

  • Review of Citibank on Campus

    Jul 20, 2000 by
    Rated a Very Helpful Review
    Pros: Hey, when it comes to banks, the bigger the better
    Cons: Lack of actual branch on the campus/ ATM does not take deposits

    Summary: 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 ... read more

  • Citibank Phone Service

    Jul 18, 2000 by
    Rated a Helpful Review
    Pros: The music while you are on hold is pleasant.
    Cons: Representatives do not have the correct information and do not follow up.

    Summary: 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 ... read more

  • Easy and quick way to make money

    Jul 5, 2000 by
    Rated a Very Helpful Review
    Pros: Ease of use, good interest rates
    Cons: Locked into investment time period

    Summary: 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 ... read more

  • Citibank InDirect Access

    Jun 30, 2000 by
    Rated a Very Helpful Review
    Pros: If I have hours, I can pay a bill online
    Cons: Can't see transactions, slow, can't escape, etc.

    Summary: 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, ... read more

  • Citi Shank

    Jun 21, 2000 by
    Rated a Very Helpful Review
    Pros: convenient and efficient
    Cons: many ridiculous fees

    Summary: 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 ... read more

  • Get's You Back on Your Feet

    Jun 21, 2000 by
    Rated a Helpful Review
    Pros: Helpful
    Cons: Not located in my area

    Summary: 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 ... read more

  • If you're looking for customer service, don't look here!

    Jun 18, 2000 by
    Rated a Very Helpful Review
    Pros: ATMs everywhere, basic online services
    Cons: customer service--both over the phone and at branch offices

    Summary: 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) ... read more

  • Frustrating yet convenient

    Jun 18, 2000 by
    Rated a Helpful Review
    Pros: branches everywhere, good for most budgets
    Cons: where, oh where, is the customer service?

    Summary: 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 ... read more

  • Citibank: An excellent bank despite numerous fees

    May 20, 2000 by
    Rated a Very Helpful Review
    Pros: Excellent customer service, numerous branches, excellent online banking
    Cons: Fees for everything unless you maintain a high balance

    Summary: 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 ... read more

  • An Absolute NIGHTMARE!

    May 17, 2000 by
    Rated a Very Helpful Review
    Pros: Absolutely none
    Cons: phone harassment, poor service

    Summary: 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 ... read more

  • Making My Life Easier Each and Every Day

    May 17, 2000 by
    Rated a Very Helpful Review
    Pros: Great bill payment system
    Cons: Debit cards do not have Visa or Mastercard logo

    Summary: 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 ... read more

  • Fast,Easy Online Banking...24-7!

    May 11, 2000 by
    Rated a Very Helpful Review
    Pros: Quick, Easy and Free
    Cons: None that I see.

    Summary: 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 ... read more

  • Great Customer Service

    May 11, 2000 by
    Rated a Very Helpful Review
    Pros: Good customer service, ATM's everywhere
    Cons: One of their ATM's malfunctioned and lost $40 from my account

    Summary: 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 ... read more


    Apr 28, 2000 by
    Rated a Very Helpful Review
    Pros: NOTHING

    Summary: 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 ... read more

  • The Citibank Review

    Apr 21, 2000 by
    Rated a Helpful Review
    Pros: Good customer service
    Cons: Very large institution.

    Summary: 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 ... read more

  • The Citi Never Sleeps...

    Apr 2, 2000 by
    Rated a Very Helpful Review
    Pros: Online Navigation, Customer Service staff
    Cons: No MC/V debit card yet

    Summary: 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 ... read more

  • No part of a bad experience here

    Apr 1, 2000 by
    Rated a Very Helpful Review
    Pros: Over the phone mortgages!
    Cons: They keep up with you until you are done

    Summary: 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 ... read more


    Mar 8, 2000 by
    Rated a Very Helpful Review
    Pros: there could be some pretty tellers working there

    Summary: 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 ... read more

  • Good Software Bad Management

    Mar 3, 2000 by
    Rated a Very Helpful Review
    Pros: Very Nice Bill Pay interface
    Cons: Takes multiple phone calls to resolve problems

    Summary: 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 ... read more

  • Citibank-My I have an account? Heres my Bill of Rights

    Feb 22, 2000 by
    Rated a Helpful Review
    Pros: Direct
    Cons: Very little data available to verify

    Summary: As of today I am boycotting Citibank. Why you may ask? Well first we can look at or for that matter ... read more

  • The Great Worldwide Bank

    Feb 9, 2000 by
    Rated a Very Helpful Review
    Pros: well... a lot !! easy, fast and worldwide
    Cons: I dont find it

    Summary: 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 ... read more

  • Great place to bank online

    Feb 2, 2000 by
    Rated a Very Helpful Review
    Pros: everything financial at one site, anyone can use it
    Cons: private network is slow

    Summary: 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. ... read more

  • Citibank in a Zip

    Jan 30, 2000 by
    Rated a Very Helpful Review
    Pros: Excellent service, many benefits
    Cons: minimum balance to have free service

    Summary: 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 ... read more

  • CitiBank Loses Payments

    Jan 25, 2000 by
    Rated a Very Helpful Review
    Pros: there wasnt any
    Cons: puts your payments in someone elses accounts and loses your paynment alot!

    Summary: 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 ... read more

  • Citibank is a quality bank and friendly atmosphere

    Jan 25, 2000 by
    Rated a Very Helpful Review
    Pros: Good services, polite people, Never lost my money
    Cons: not open on saturdays around where i go

    Summary: 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 ... read more

  • service and convenience

    Jan 24, 2000 by
    Rated a Very Helpful Review
    Pros: excellent service, availability
    Cons: annual fee

    Summary: 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 ... read more

  • Many NY branches but high fees ouch

    Jan 23, 2000 by
    Rated a Very Helpful Review
    Pros: all accounts are linked many nyc branches
    Cons: long lines at branches tellers have bad attitudes

    Summary: 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 ... read more

  • This citi really doesn't sleep!

    Jan 20, 2000 by
    Rated a Very Helpful Review
    Pros: Excellent online system, good CS
    Cons: Fewer ATMs

    Summary: 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, ... read more

  • Great support for new business owners

    Jan 20, 2000 by
    Rated a Very Helpful Review
    Pros: customer service, online banking
    Cons: None

    Summary: 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 ... read more

  • Citibank-great bank if you have lotsa money

    Jan 17, 2000 by
    Rated a Very Helpful Review
    Pros: Good service
    Cons: For large accounts

    Summary: 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 ... read more

  • Beware of the Future

    Jan 14, 2000 by
    Rated a Very Helpful Review
    Pros: Technologically superior
    Cons: Target markets limited, not for average person

    Summary: 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 ... read more

  • Big Citicorp CAN be beautiful

    Jan 13, 2000 by
    Rated a Very Helpful Review
    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

    Summary: 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 ... read more

  • Citibank online services are SO convenient!

    Jan 12, 2000 by
    Rated a Very Helpful Review
    Pros: convenient, site loads fast, all the details are available to you
    Cons: Site can be a little confusing

    Summary: 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 ... read more

  • It's like insurance and Banking in one

    Jan 7, 2000 by
    Rated a Very Helpful Review
    Pros: So many
    Cons: None

    Summary: 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. ... read more

  • Excuse me, your hand's in my pocket...

    Jan 4, 2000 by
    Rated a Very Helpful Review
    Pros: Citi's online banking good, lots of DC & MD branches
    Cons: Yet another fee?!

    Summary: 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 ... read more

  • Citibank Has Lost Its Edge

    Dec 30, 1999 by
    Rated a Very Helpful Review
    Pros: online banking
    Cons: ATM proximity, checking fees, attitude

    Summary: 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 ... read more

  • Citibank AAdvantage Visa

    Dec 28, 1999 by
    Rated a Very Helpful Review
    Pros: None
    Cons: Horrible customer service

    Summary: 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 ... read more

  • Great Banking

    Dec 27, 1999 by
    Rated a Very Helpful Review
    Pros: Ease of use and customer service
    Cons: Need to add some functionality to site

    Summary: 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 ... read more

  • Customer service is the name of the game!

    Dec 24, 1999 by
    Rated a Very Helpful Review
    Pros: one stop shopping, customer service orientation
    Cons: it's a bank - rates are lower, and bureaucracy is alive

    Summary: 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 - ... read more

  • Citibank's online services are excellent, and it's fairly easy to avoid fees!

    Dec 18, 1999 by
    Rated a Very Helpful Review
    Pros: Excellent online services
    Cons: Still need a teller if you want to transfer money to a 7-day CD savings account

    Summary: 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 ... read more

  • The best online service

    Dec 18, 1999 by
    Rated a Helpful Review
    Pros: Everything about it.
    Cons: Need more branches in the area

    Summary: 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 ... read more

  • Boo to banks

    Dec 12, 1999 by
    Rated a Very Helpful Review
    Pros: Sometimes they make bank errors in your favor
    Cons: It's a bank

    Summary: 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 ... read more

  • Nothing spectacular... but nice service

    Dec 5, 1999 by
    Rated a Very Helpful Review
    Pros: treat customers with respect
    Cons: no branches in my area

    Summary: 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 ... read more

  • Citibank gets the job done, but isn't excited about it

    Nov 20, 1999 by
    Rated a Very Helpful Review
    Pros: stability, security, reliability, customization
    Cons: doesn't mirror the way people think about banking.

    Summary: 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 ... read more

  • All in one package

    Nov 16, 1999 by
    Rated a Very Helpful Review
    Pros: Convenience, range of services
    Cons: Cost, account minimums, investment support

    Summary: 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 ... read more

  • their web site is ok, otherwise.. I rather pass

    Oct 29, 1999 by
    Rated a Very Helpful Review
    Pros: great website with good features
    Cons: banking and credit card is expensive, poor customer "service"

    Summary: 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 ... read more

  • Money Hungry Scumbags

    Oct 21, 1999 by
    Rated a Very Helpful Review
    Pros: big, huge, commercial, no feelings
    Cons: money hungry, dont give a damn

    Summary: 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 ... read more

  • Citibank -- Supremo in Online Banking

    Oct 19, 1999 by
    Rated a Very Helpful Review
    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

    Summary: 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 ... read more

  • Kaching!

    Oct 14, 1999 by
    Rated a Very Helpful Review
    Pros: Free, easy to use, powerful features
    Cons: Must use Citibank for your banking

    Summary: 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 ... read more

  • Citibank good online, bad on the phone

    Oct 12, 1999 by
    Rated a Very Helpful Review
    Pros: Good online features, bill payment
    Cons: Unintegrated/awful customer service

    Summary: 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 ... read more

  • Express Customer Reviews

  • Stay away!

    Dec 2, 2012 by
    Not rated yet
    Pros: 18 months no interest.
    Cons: Rude liars disrespectful rip off

    Summary: I watch all of my accounts very closely and I noticed that Citi posted one of my payments twice which caused my checking account to be overdrafted. I called Citi right away and the lady told me that after reviewing my account Citi had "accidently" posted ... read more

  • snarky customer reps, low quality webservices

    May 1, 2012 by
    Not rated yet
    Pros: website available
    Cons: time consuming, unpleasant

    Summary: website portal requires multiple calls to customer service phone to set up and activate. Required 3 phone calls to set up account to view account details online.All three agents were snarky.  Use a ... read more

  • Horrible Customer Service

    Apr 9, 2012 by
    Not rated yet
    Pros: I got the money I needed
    Cons: Very high interest rates, HORRIBLE/slow customer service

    Summary: I had nothing but a very frustrating experience with Citi bank. Yes, I am a student, which means I really don't have credit, therefore I recieve an almost 11% interest rate on the $3000 loan that I needed.  However, this is not really even the cause ... read more

  • Credit Card Nightmare

    May 11, 2011 by
    Not rated yet
    Pros: Airline miles
    Cons: dishonest, deceptive and ethically bankrupt

    Summary: PACK OF THEIVES!!!  Nothing but trouble with this account.  Did not receive statements, was charged even after balance was paid in full.  Was told by customer service (after one hour on the phone and talking to 6 different customer service ... read more

  • Citibank retracts offers without warning or recourse

    Feb 12, 2011 by
    Not rated yet
    Pros: periodic offers of balance transfers with no interet for 6 months or a year
    Cons: They don't honor their committments, and leave you in the lurch.

    Summary: I've had a Citibank credit card for seven years, and they often send me checks good for balance transfers or any other use.  I recently used one to pay college tuition.  Citibank returned the check unpaid, causing large late fees from the ... read more

  • New Fees

    Feb 28, 2010 by
    Not rated yet
    Pros: None.
    Cons: New Fees. Uncaring staff.

    Summary: If you're an EZ Checking customes, get ready for the fees. I asked a bank teller to get me a list of average monthly balances for the past year and 9 out of those 12 months I was barely below the new required $1,500 level. I don't have the time to worry ... read more

  • Citibank Deceptive Customer Service

    Jul 27, 2009 by
    Not rated yet
    Pros: none
    Cons: Deceptive customer service, high fees,

    Summary: 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 ... read more

  • bad communication

    Apr 30, 2009 by
    Not rated yet
    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.

    Summary: 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 ... read more

  • sunoco credit card

    Aug 1, 2008 by
    Not rated yet
    Pros: NONE


  • Terrible Service, Do Not Use

    Mar 17, 2008 by
    Not rated yet
    Pros: None
    Cons: Terrible service, don't keep promises, really old website, transfers take forever.

    Summary: 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 ... read more

  • Great Bank!

    Dec 27, 2007 by
    Not rated yet
    Pros: Customer service, miles, low/no fees
    Cons: Sparse branch locations (in Northern California)

    Summary: 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 ... read more

  • Nice place to aggregate Banking and Credit Card Accounts

    Apr 2, 2007 by
    Rated Show
    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.

    Summary: 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?). ... read more


    Mar 7, 2007 by
    Rated Show
    Pros: Reasonable interest rates and online account features
    Cons: Poor customer service, account security issues

    Summary: 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 ... read more

  • Beware: They may lower your limit at any time for any reason.

    Jan 27, 2007 by
    Rated Show
    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.

    Summary: 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 ... read more

  • Good way to lose money

    Jul 6, 2006 by
    Rated Show
    Pros: Feel-good ads
    Cons: Dishonest and unhelpful customer service, low interest rates, exorbitant fees

    Summary: 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 ... read more

  • Frightening

    May 15, 2006 by
    Rated Show
    Pros: Online checking is good, when it works. Many branches out there.
    Cons: Horrible support for IRAs and Brokerage accounts.

    Summary: 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 ... read more

  • Rude and abusive customer service.

    Mar 3, 2006 by
    Rated Show
    Pros: None whatsoever.
    Cons: Abusive customer service.

    Summary: 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 ... read more

  • Citibank in Russia - disgusting swindlers!

    Dec 12, 2005 by
    Rated Show
    Pros: None!
    Cons: Inconvenient, expensive and - swindlers! Swindlers! Swindlers!

    Summary: 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 ... read more

  • A Bad Joke

    Nov 16, 2005 by
    Rated Show
    Pros: Nothing, not one single thing.
    Cons: 15 words?: crooks, thieves, dishonest, immoral, unethical, crooked, liars, cheats, lowlifes, scumbags, irresponsible fools.

    Summary: 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 ... read more

  • NYC Citibank experience

    Jul 13, 2005 by
    Rated Show
    Pros: Good, reliable web site
    Cons: Very hard to get someone on the phone. Long lines at branches

    Summary: 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 ... read more

  • Citibank Credit Card purchase of my Sears Credit Card

    Jul 12, 2005 by
    Rated Show
    Pros: none
    Cons: For any reason imaginary or otherwise Citibank will raise your rates.

    Summary: 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, ... read more

  • Citibank Stinks - Avoid banking by phone

    Jul 8, 2005 by
    Rated Show
    Pros: Lots of ATMs and local offices.
    Cons: They lie about my money, and keep it without interest.

    Summary: 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 ... read more

  • Phony Promotions and Hidden charges

    Jun 9, 2004 by
    Rated Show
    Pros: - Internet account access
    Cons: - Worst customer service reps - Hidden charges

    Summary: 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 ... read more

  • Stay away from Citimortgage

    Mar 22, 2004 by
    Not rated yet
    Pros: Colorful ads and cheerful website.
    Cons: Hopeless customer service.

    Summary: 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 ... read more

  • Poor Customer Service

    Oct 8, 2003 by
    Rated Show
    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.

    Summary: 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 ca ... read more

  • took over a month to open a bank account before I pulled the plug

    Sep 17, 2003 by
    Rated Show
    Pros: Nice package
    Cons: Untimely customer service, bureaucracy, bad *real* customer service hours for people on west coast.

    Summary: 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 hug ... read more

Showing 1-167 of 167 reviews

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