This review is for: Citibank
I'm having savings account with Citi bank almost since 2 years. Basically i choose to have account in Citi because of its quality service it has been providing since decades and am pleased to be part of Citi family.
The way Citi provides service is incomparable. There are times i have felt very happy that there is some body who can assist me when i'm in financial crunch. Once i needed some credit amount to clear off my financial crunch. contacted Citi bank Customer care for that with 48hrs they got back to me with solution with affordable interest rate and would like to thank them for that.
Like there will be bad times in good times also, i have had one bad experience with Citi bank credit card service. I tried to get Citi bank credit card for 2 times and don't know what happened and my application got rejected. worst part is i didn't even hear response from them saying this is the reason for your application rejection.
Overall I'm more than glad to transact with Citi and suggest some one who is looking for better service in account related services and loans Citi would be the best bet.
Posted by punithrajhd -- Feb. 23, 2010
This review is for: Citibank
After I had graduated from college, I began banking with the bank my boyfriend banked with -- Bank of America. It was close, and offered a plethora of ATMs. I quickly realized, however, that this was about all they would offer. It was like pulling teeth to get these people to find something that worked for my specific situation -- that being, a college graduate who makes some but not much money, who is no longer a student but will be again soon, who is living with her boyfriend but is not yet married.
Three months ago, as I walked past my local Citibank, I noticed they were having a promotion for opening an account. I had been thinking about leaving Bank of America for a while anyway, so I decided to go in and see what they had to offer. Since that day, I have never looked back! My personal banker, Telma, has helped me time and time again. She works with me as if she actually cares about me as a person, showing me my options, helping me find ways to avoid paying fees and keep free checking. Since I don't have the option of direct deposit and not much money, she "householded" my account with my boyfriend's, so that I could avoid paying any fees due to checking account minimums or the lack of direct deposit. When my boyfriend accidentally slipped underneath his minimum, she took care of the problem before I even went in to talk to her about it, by bumping him down to the next lowest checking account type, and refunding the fees we had been assessed. When I walk into the bank, she knows my name, and remembers things about me. I will stay with Citibank for the long haul -- and you should consider switching, too. They take care of their clients.
Posted by erinepbasil -- Aug. 20, 2009
This review is for: Citibank
I originally choose Citibank because my boyfriend was there and it made things easier for our budgeting. I first opened my bank account in 2002, with regular checking and saving account. My husband and I have moved to Europe where Citibank was as well. It made everything easy to transfer money one way or the other. Everytime we travel outside of the USA, they are doing a Great job at making sure that there is no fraud happening. It may look as too much, but frankly I heard so many bad stories about credit card numbers stolen that I am truly appreciative that Citibank is always ahead of the problem!
It is funny that this overlook from Citibank on fraud risk may be as well the only negative thing. For instance, I do not use much my debit card. The day I decided to make a big purchase with it, my account got blocked because it looked suspicious. It was quiet embarrasing at the store! But quickly cleared up!
Describe personal experiences that you have had with the Bank customer service
So , if you are the type of person who is freaked out about fraud risk, yes go to Citibank, I believe they are really at the top for that! Really quick and understanding over the phone service too!
Posted by missceline -- Aug. 12, 2009
This review is for: Everything Counts
I have to say I would rate Citibank not based on this checking account but more on overall products and service from employees. I have always had a good interaction with their employees, whether at a branch or on the phone. Their online banking is great, making payments is a breeze, and seeing your current bank status is easy. The only thing that brings their rating down in my eyes is the fact of the $25 fee, which for me is waived as I have a HELOC with Citibank. I would explore other types of Citi accounts if I should not have that waiver. They also have an overdraft protection that is a line of credit that is drawn against should you need it and there is no fee other than interest charge past the day it is utilize. So if you utilize and transfer money from one of your account to the overdraft protection you have no fees or charges. I had to utilize this 3 times as I misjudged the timing of certain autopay I have depositing into my checking account and hence my discovery of this feature.
Posted by Steelers79 -- Aug. 5, 2009
This review is for: EZ Checking
I've had an EZ Checking account for over three years. It's an account with little to no extras. You have to maintain a $1500 balance across qualifying Citi accounts to avoid getting hit with a monthly fee. It costs extra to get official bank checks using this account. I do like the online bill pay that's included with this account and that's one of the only reasons I'm keeping it open. At Chase, you can get an equivalent account with no monthly fees, free checks, free official bank checks, etc., which this account does not offer. There are better alternatives out there, but if you don't have problems maintaining the minimum balance and like their online bill pay system, which I prefer over Chase's, then it's not a bad choice. There are plenty of Citi ATM's, so getting access to your money isn't a problem, especially since all 7-11's have Citi ATMs. They are also accessible in most of the world, which is a huge convenience. If you don't do online bill pay, there are much better accounts out there. One other reason why I'm keeping this account is that it does earn Thank You points, which is a rewards program that you can link with Citibank credit cards and other accounts.
Posted by tivo_whoah -- July 15, 2009
This review is for: Basic Checking
I’ve had my Citibank Checking Account for 3 years. I originally opened it up when I moved to New York City. There was a branch on the corner of my block, and many throughout the city - easy access was my top priority. I now live in Montana, where there are no Citibanks but I still use this as my primary bank account because of other features that have since won out over “convenient location.”
I have a local Montana bank that I basically just use for the sake of the ATM’s. I then do online transfers of most of the money from my Montana bank into my Citibank account. Which brings me to the first point of appeal of a Citi account – the online banking. I am very impressed with the ease of use of Citi’s online banking. Transfers from my other account are quick, easy and free. I pay ALL my bills online, and even use it to send personal checks to friends and family. The advantage of online bill pay is, of course ease, no need to find a stamp, envelope, mailbox etc… However, I find the ability to track payment history very helpful too. And, automatic bill pay is awesome for someone forgetful like me!
Linked to my account is a “Checking Plus” account, which basically acts as overdraft protection with a $500 line of credit. If it needs to automatically draw from this, it charges a $10 fee, but if you set the transfer up yourself, then you are only charged interest on the amount borrowed. This has been very helpful for me in the past, as I do not have a credit card, and I have been able to use this to make a few purchases that I wouldn’t have been able to afford otherwise.
The last great thing I will mention about my Citi account is their ‘Thank You’ rewards system. The points add up fast. You can use your points toward lots of things, from airline miles to barbecue grills. But I use them toward paying off my student loans.
My overall feeling about my Citi account is so great, that I really have no negatives to report, other than the fact that it doesn’t have a Montana location, but I get around that just fine. I definitely recommend it!
Posted by coolbeann -- July 13, 2009
This review is for: The Citibank Account
I chose the "citibank account" checking because my best friend Amanda talked me into it. There were running some type of promo where you get a $50 gift card for signing up. I decided to use this account as a secondary checking account to stash money away for a vacation.
The main thing that I care about is the user friendliness of the banks website. That is where I review my transactions regularly and check my balance. The website was pretty nice and I get an "e-statement" in my email once a month. There are lots of bill-pay features as well, which I dont really take advantage of because its my secondary checking.
I did use the card at a restaurant and they charged it twice. I called in to check on the situation and they informed me it was only a "pending" transaction and it wouldnt go through. They were right, but the customer service agent was very hard to understand and was quick to get me off the phone with out assuring me of anything other than "dont worry about it".
Overall the bank is great, just don't expect them to give you any empathy for a situation as a customer if you need to call the customer service department.
Posted by renee_fultz -- June 3, 2009
This review is for: Ultimate Savings
Citibank is clearly going through some major upheaval right now. The most recent news item I read in the WSJ talked about their intention to focus on retail and commercial banking, and shed all other units. If true, that means the retail (read consumer) banking will continue, and hopefully improve, because there are a few problems with it right now.
First, although they have their own ACH, they have perhaps the most restrictive withdrawal limits of any system out there. The current max withdrawal limits are $2,000/day and $10,000/month - which is outrageously low. I'm not sure if these are just recently implemented caps to keep money from flowing out of Citi, or if this has always been the norm, but either way - it's bad.
Second, the only way a beneficiary can be added to the account is through a branch visit. This seems wrong, but I asked the CSR twice, and he confirmed it.
And finally, the customer service. Citi has almost $1 Trillion dollars on deposit. That's a lot of money, and that's a lot of money to service. When I called up and spoke with a CSR, although he was trying to be helpful, I had my doubts that he knew everything he should have.
I would definitely take a wait-and-see approach with Citi.
Posted by jpp -- March 19, 2009
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