Sunday, July 11, 2010 - 12:33 PM

Citibank Is Only Ok For Credit Cards

(2 stars)

Citibank accounts are just not that great. They have lots of fees; they require large balances such as 1500 or 6000 or 10000 or 100000 to avoid ridiculous monthly service fees. Plus, they still charge you for wires, official bank checks, and to use a non-Citibank ATM without any reimbursements of non-Citi ATM fees. Plus, I find that everytime I call customer service reps, even for more banking questions and issues, are outsourced to India. They do not help. I had to go to my branch bank and have them go through some internal callings to follow up on banking issues.

Their credit cards are ok. The thankyou network is ok. Sometimes the thankyou points to gift card conversions is not 1-1, more like 0.833:1

bankdealers4 posts since
Jul 11, 2010
Rep Points: 48

1. Sunday, July 11, 2010 - 2:03 PM

you don't need any balance if you pay 2 bills online which is free too. I have set up 2 recurring small payments to 2 of my credit cards and it is on autopilot.

It gives you free transfer of funds to its international offices which is great if you have friends or business abroad.

It also gives you free ACH.

It is one of the best banks for my needs but not so great for credit cards.

adityanm25 posts since
Jun 5, 2010
Rep Points: 137