Citibank

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.