I cannot overstate how challenging and aggravating Citibank has been to work with. IF YOU ARE CONSIDERING CITIGOLD, STAY AWAY!
I joined in July 2021 on account of an attractive Citigold incentive bonus. Despite numerous efforts on my part to fund the account within the 30 day window required for the incentive, it took 34 days to resolve issues and get it funded. I called several times to query whether I would remain eligible for the promotion, and everyone I talked to assured me I would.
6 months and over 10 hours on the phone later, I have been repeatedly misled that "this would be resolved soon" until finally being told there was "nothing they could do about it." I would have far preferred honesty in the first 1-2 months so as to be able to reallocate my time and resources.
The combination of dishonesty and incompetence has been, at least from my personal experience with large organizations, unprecedented.
I offer this review with hopes that my time-wasting, capital-wasting experience can protect others from the same outcome. BANK WITH ANYONE BUT CITI!
The Citibank card is used with my Costco membership. Costco needs to disassociate themselves with the Citi. I wanted to transfer a sizeable amount of money out to another financial institution. Come to find out there was a daily limit of $10,000 and a monthly limit of $15,000. Based on this it would take many months to make the transfer. They will not let me have access to MY money. This seems illegal! This is what they call a Citi Accelerate Savings account. It is not a CD or other account where money needs to be kept there, Customer service says that is their policy. I explained if money is deposited in a bank the owner has access to their own money...it is not theirs.
I have a very bad experiance with Citibank and do not recommend their services. We opened up a new account with Citibank and transferred funds from another bank to cover our checks. Without any reason or any explanation Citibank blocked our account. They said that they will return our money within 60 days. Meanwile they are using my money but how we supposed to pay our bills? Is this the right way to treat customers?
Worst banking experience I've ever had. An unexpected and uncommunicated change to their "security policy" leaves me locked out of my accounts and unable to access my money until they send me a card in the mail that I have to activate! If I wanted activated cards to access my money laying around, I would ask for one. There are other banks that have the same savings rate. Pick another bank that won't force their ridiculous changes or poor communication and abysmal customer service. I'll be closing my account as soon as I can actually access it.
60-90 days to return 2k that was sent to help save me after being scammed 2 months ago. claimed to call me, didn't even lock account 24 hours before taking extreme measures. offered to drive 6 hours to the nearest branch with ID to get the money I needed weeks ago. It seems they may be a hub for internet scams, beware
Got this card as an executive member at Costco. I love Costco but this Partnership needs to end. Citi is an UnAmerican as it gets. Wouldn’t credit my account for two weeks after a payment x4 has been made and deducted. My only guess is that they live off interest. Horrible customer serves. No one can do anything without a hassle. Worst waste of time and money ever. Don’t do business with these losers or you will be one.
...two, actually. Because 2% cash back, unlimited, on all purchases, with no categories to keep track of and no real hoops to jump through, is as good a deal as you will find anywhere. The only thing I would ding them on is that they haven't always taken my side in disputes with merchants. I VERY rarely have a dispute with a merchant, but when I do, it's legit, and I expect my credit card company to at lest be neutral and side with who's right.
I have opened a Citi priority account on 08/02/21 and maintained a balance well over 10K. I successfully linked my Citibank account with my mortgage company before 08/15. On 08/28, I made my mortgage payments as ACH payment from my Citibank account. Citi bank returned the ACH withdrawals without paying them, though I have 3 times more money in the account. Never notified me via phone, email or snail mail. They claims that my account on under 'review' at the time the ACH debit came in. Never explain why; never notified me either. When I tried to login to Citi bank online, my password is not working. I called c/s and after about 45 minutes on the call, they say all holds are removed (still doesn't say what was the hold for). Never told me the ACH debits were returned unpaid. After ten days, when I was notified by me mortgage company about this and charged me 'return NSF fee', I called citi bank and talked with one Angela, who keep on saying 'I understand, your account was under review'. What does that mean to me. I had available balance well over the ACH. I have opened my account giving them SS card, driver license and Citi credit card since 1990. Still they return the payment and cause me to pay 'return charges, late charges' on my mortgage payment. She hung-up on me when I asked what sort of service is this and who is responsible for my cost in this problem.
WORST EXPERIENCE IN MY 32 YEAR BANKING EXPERIENCE.
CitiBank does not allow ACH transfers out. They allow them into their bank, but not out. I setup a Citi Accelerated Savings account online. What a mistake. I am going to need to wire the money out to regain access, assuming they allow that. What a bunch of crooks.
I always paid on time and paid over my minimum. I paid the card off in full $5000 and a day later they reduced my credit to $100. My credit and income are the same, no derogatory marks. They are cutting card holders due to Covid and predictions of a recession. They could care less about your credit, or payment history. It is all about greed and Citibank is the bottom of the barrel. I have other cards so, oh well but, it is the principle. Sleazy....
Please look at the real reviews, not the paid shills. Citibank right now how the worst reputation among lenders.
I had a checking‘s in savings account open earlier this week I called so they can close both of the accounts completely. I had a balance of $2.24 in my checking‘s account while my savings was saying account closed via the app. I finally ended up withdrawing the $2.24 within the same week from my checking account. That same moment I see my savings account reopen and I was thinking it was just a glitch. Next day I see a balance of -$24.99 on my savings account and I only use to transfer money, never to make any purchases. I called customer service and their incompetence completely ruins any recommendation I have for the stupid foolish bank because I don’t know where I got it interest of one penny they have charge my account. They reopen my account and and charge me for a monthly service of $25 but before I got the stupid interest payment of a stupid penny my account was already closed so why in the world would they reopen my account just to take money from me stealing scamming this bank is for the fools who don’t notice their money is missing.
I have had the credit card for years, and I received an email to open a checking account for the bonus. I bit. Big mistake. No bonus is worth this much hassle. I will not bore you with all the details, but I have wasted a ton of time on the phone calling a variety of numbers and departments in an endless, futile quest to get the checking account opened. It's still locked as of now, meaning I cannot fund it or get online access. Their current claim is that they cannot verify my social security number and that I I must fax them a copy of my social security card. After reading the reviews here, I am going to abandon this effort. I feel lucky I have not put any money in yet.
Today I went to transfer and withdraw money from my newly 5 week checking account only to be denied access to ALL of my accounts. Not only was my online account deemed inactive but I couldn’t transfer money, or use the ATM to withdraw money. I never received any notification, phone call, or email stating they were going to put my account under review. The review is because of a $13,000 deposit that Citibank finds suspicious. ITS MY PPP LOAN!! What is suspicious about a loan deposit. I own a business, it’s a simple google search with my EIN number and name or how about calling the state licensing division to confirm this.
What is my money any of your concern, I could understand if it was over $50,000 but it’s peanuts compared to what I could deposit in my Real Estate bussiness. Will this happen every time I sell a property or vise versus withdraw money??? Blows my mind how the fraud department withholds my money without even notifying me, leaving me with limited funds for god knows how ling!!! Your not the IRS, and even the IRS notifies you when your money is being froze. Complete NEGLIGENCE!!
It gets worse!! I thought not having access to any of my funds, nor having any idea what’s going on and when I can access my accounts, but NO WAY!! So, I do something so expected and I call Citibank customer service like I was advised to at the ATM. But the reps must have all forgot there side notes and most importantly their notebooks of scripted responses with them that day.
They hadn’t a clue on how to handle my questions, completely making no sense of the matter at all, a couple of reps even lying and getting caught in their own lies, best off their phones were static and they were totally incoherent as if they were going through a wind tunnel on a cell phone.
I literally called 14 times in a matter of a 4 hour span, and I’m not exaggerating that 13 out of 14 representatives hung up on me either quickly talking over me and saying “call back another time bye” or bluntly said “hold on” and hung up after waiting 10-15 minutes to speak to someone every time. My frustration mixed with anger had my blood boiling. I wanted to jump through the phone and rip off every metal and aluminum limb that these robots they call representatives are made of. That’s all these reps are...paid robots with a small script in front of a them with a list of maybe 5 troubleshooting techniques that help NO-ONE!!
Im 100% getting this resolved, then withdrawing every dollar in my account and never looking back at this circus disguised as a bank!!!!!
One last thing BEWARE....Citibank’s security measures invite fraud and criminals to enjoy a plate of all of our accounts. In order to gain access into ANYONES account all that is needed is a text message to any phone that is capable of receiving a text verification code, any phone doesn’t have to be yours on file. Not a social security number or secret password or security questions. Just have a name and a cellphone for a text verification and BAM your in anyone’s account!! Thank you Citibank for being the biggest regret of my financial decision making ever in my life!!
I, too, have a similar horrible experience with Citi Priority.
I lived in Spain when I opened Citi Priority last year. Citi took my money and opened my account, then closed it a few weeks later and sent me to New Account Fraud. I sent in my US passport and my utility bill as requested by Citi New Account Fraud but my utility bill was declined because Citi said they need to see utility bills in the US. After several frustrating phone calls, emails and texts, Citi admitted in their text to me that they violate Patriot Act by failing to verify that I had a US address before allowing me to open an account. I asked Citi since it was Citi's fault, how will Citi correct the situation and return my money. I never heard back from Citi.
That was six months ago. We are now in May 2021 and I have moved back to the US since March 2021 and Citi still has my money.
I came across this post while researching for my article that I am writing for a financial blog. While I am glad I am not the only one, it is frustrating to see that one of the biggest banks in the US is getting away with this. It makes me wonder how many thousands of dollars Citi is keeping
In the Covid time, people are facing difficulties, I can't believe that this scam by Citi has not caught by the major news like what happened to Well Fargo. As of today May 16, 2021, there were 179 comments, 88 gave Citi one star, so if I assume that these 88 people have a $20k average balance, which means Citi is keeping $1.76 millions of dollars!
What can we do about this? Is anyone interested in sending an article to a major financial news site? Does anyone have a connection to a major financial news site that may be interested in investigating Citi practice? I am going to write but I think the more people come together, the better. Contact me if interested. Who knows, this scam could be bigger than Well Fargo!
NEVER have I experienced a total fraud from Citibank until I opened a Priority Savings and checking with deposits in excess of $50,000 in August of 2020. Citibank promises a $700 bonus meeting necessary requirements. After calling for six months and being told by several of their customer service people that the $700 would come on recorded phone calls, the bank sent me a form letter, saying "Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account" I was given a CODE to the account when it was opened and they are DENYING any further claims!!! These phone calls are recorded, however, they pass you off with no follow up. I have names, dates, codes, faxed documentation supporting my claim!!! I will continue to escalate until this matter is heard and resolved properly! I will support anyone else that has had similar experience. What a disgrace Citibank handling a PRIORITY CUSTOMER with a credit card account of over 20+ years... THIS IS FRAUD!!!
UPDATE... Citibank has locked me out of accessing my accounts on line mobile and laptop!!!
UPDATE Miracle... Better Business Bureau comes to my rescue and on April 26, 2021 my check for $700 was overnighted to my home by Citibank. End of story.
I opened a citi priority checking account recently. After receiving the check books and debit card, I did not receive the PIN. I tried various citi customer service phone numbers, to see how to get the PIN, but ended up in an infinite loop of the voice assistance system.
What's the point of having a customer service phone number if one cannot talk to a real customer service representative?
I was given money through zelle different amount then later I was notified that my account has been closed,okay a letter was then sent to me,which stated a check would be mailed to me within 60days and I have been waiting its almost the complete days which is less than 23 days remaining and I really need the money to sort things out they should mail me my check so I could move on with life
Citi bank should mail me my check,is it a crime to bank with you guys,its not a big deal to mail my check to me,I'm really tired of all this and why are they acting this way
I opened an account few months ago. I am trying to buy a property and need my money but they have a limit on transferring money and charge every time you wire. I have many other accounts but have had no experience as such. Their customer service are bunch of bimbos who have no clue of what their web site is all about either. They just send you round and round. They have no branches and no knowledgeable customer care online. I would stay away from them as far as I can once I manage to get my money back. They should not be allowed to do any business in US.
I will NEVER use another Citi banking account or credit card again after the experience I've been having. I deposited 4K in my account and now I cannot pay bills or transfer money. EVERYTHING I try to do is blocked and has been every single time I try to do something new. This has been going on for 3 months.
Absolutely the worst experience I have ever had with a bank. After getting approved for a card. Three months ago I did not receive it after 2 weeks. I called to have it reissued. the woman I spoke with was great and offered to have it expedited. I waited another 1.5 weeks for a new card. These things happen so I wasn't too bothered. Then it really got difficult. I made about 3 purchases totaling no more than $600. Groceries, stuff like that. After about a week it started getting declined. I called customer service and they could not figure out a way to verify the card was mine. Not using my telephone number (the only one I have had and used for over ten years) and not using my security word. They then asked that I give them the phone number of a relative with the same last name that they could call to give instructions to reset my account. This is to me a bizarre measure that does not make me feel more secure in any way. And unfortunately, I don't have a relative with the same last name I trust to do this. Only at this point did the agent tell me WHY my card had even been declined - suspicious activity. Could I verify if for her? No. Not until I verified myself. Could I just pay off and close the stupid card? Not until I verified myself. Last option was for them to send a verification letter by mail (in a pandemic with notoriously slow mail times). I waited over another 2 weeks and did not receive a letter. I called again. Same drill. At this point I can't get into my online account to pay my bill and my due date is coming up. I ask if I will be charged late fees if I don't get it in time. Yes, they say. So they send another letter. I waited another 2 weeks. I finally received the letter today and called to verify my account. The automated answering system hung up on me 4 times after waiting on hold a total of 20 minutes. Finally I got through to a human being. After verifying the account I made the mistake of asking the agent why this happened and how I could prevent it from happening again. She "explains" that the "system" flags any activity outside of a normal spending pattern. I ask how it can establish such a pattern after 3 purchases. She tells my that this is my problem and it's not enough to establish a pattern. "How can I do this?," I ask; fewer, smaller purchases to start, for example? "Establish a pattern" she says again. At this point I can see where aren't getting anywhere so I hang up to promptly pay off my balance so I can cancel this lousy card. Evert part of the process was painful and everyone I spoke with - with 1 exception - was clearly an underpaid minion who did not give a crap. Was not able to communicate by email or chat until I verified myself; return to square one. Even Bank of America has better customer service, and that's saying something. With any luck and several more hours of phone calls maybe I can have my account closed in another 3 months. Nothing is worth this hassle.
I hold both a checking & business account with Citibank for many years so please read. Time to jump ship to new online banks. There are many online banks now that will handle your money much better. These physical banking locations are staying alive with fees and good gesture gimmicks to keep you. Two things, no way to access PPP loan information as a business account holder and a promise to waive service fees across all accounts was also false.
How and why??
Citibank has plummeted with genuine customer care since COVID-19. Many companies sent a COVID-19 customer concern letter when the pandemic started. Citibank did as well, a veiled COVID-19 email was sent regarding waiving monthly service fees. They didn’t automatically wave it, guess what, you had to call them EVERY month to get it waived.
As a small business account holder, they also made it extremely difficult to get a PPP loan during a pandemic. Their physical banks turned me away as a business account holder and mentioned everyone has to call for that loan. And when you call, they mentioned only certain people were emailed for the PPP loan. Like many other people, they went to other banking institutions for that loan and NOT their own personal bank.
Their customer service has turned into the Comcast of banking- loops, hoops and gimmicks.
NIGHTMARE to deal with.... They decided they would no longer service my account in 10/2020..... they have held my money hostage. Every deadline they give, they blow past that deadline. “ your account will be closed in 30-60 days.... 80 days later account finally closed. Despite closure in 12/2020 still don’t have my 50,000 back. Filed complaint with CFPB and in that response on 2/5/2021 they said “you should receive money in 5-7 days”.... still no money 10 business days later. Waiting almost 5 months to get my money back during a pandemic when they are the ones that closed my account is Infuriating!! Going to file another complaint. Wouldn’t wish Citibank high yield savings account on my worst enemy
Citibank has been ripping off their account holders for years and in recent times, more and more otherwise good customers have reported Citibank freezing or locking their account access for invalid reasons. Citibank will leave many accounts open but locked in order to rip off the customer. Many times Citibank is in violation of federal laws, including consumer protection laws and many customers are now choosing to file complaints with appropriate agencies as well file lawsuits for damages. Citibank is large and many people that currently defend Citibank find themselves the victim suddenly without warning! I strongly encourage using financial institutions that don’t have such unscrupulous histories and further encourage anyone being violated by Citibank to take legal action, including filing complaints with both state and federal agencies.
I opened a MIles Ahead Savings account, and as many others have posted, saw the interest rate drop almost instantly. That can happen, I understand that. My main gripe is that Citi makes it difficult for you to transfer your money out, and close your account. I merely wanted to transfer my balance from this account to my already verified/set up external bank account, and since I did need the money quickly, had to do it by wire transfer for a $25 cost (fortunately my receiving bank does not charge for incoming wire transfers). I feel a bit silly having to "pay" to get my own money but what's done is done. I also find the customer service help to be borderline useless, the woman quoted me a $15 wire transfer fee but in reality it was $25. Beware if you are considering them for your banking needs.
I had 2 online fraud within 4 days!
While from the 1rst day i ve seen i had fraud, I called their customer service .. only robot and unuseful options. Then i went to my bank directly. I claim all the paiement unauthorized that was an amount over 1620$ . My card was blocked and i had a temprorary card with that one i couldn't purchase nothing online. 2 days later I get a look on my account, they just refund me around 400 so only 1/4 of what they were supposed to refund me and I had an other fraud !
I was feeling so bad that even having a stupid temporary card, locked my old card some scammer still being able to steal my money.
I went back again they put me a new employee completely incompetent she let me with a phone assistant alone trying to look for an online support alone !
Horrible. Then i try to find for an other staff more competente, he assisted me and i was again claiming the amount of the 2 fraud .. they just refund me few tens while it was around 200.
And i waitted for few more days for the first claim... Nothing !.
Just 0 trust on this bank, security system, and yes a company pretending to refund what they are gonna refund, with all the calls, official claim AND NOTHING it s called Scam.
The 1rst bank that i subscribe to and that has 0 security. It made me felt so insecure as I ve never been with a bank and also their employees incompetente made me feel more insecure and endanger when i was there. Fortunately i didn t trust really that bank since the beginning because tge advisor never answered to my few important emails, calls. So I didn t put much on my account. There is always an end to untrustworthy links.
Received letter from Citi asking me to contact them at phone numbers provided. Letter said department was available 24/7. Called the numbers and each time transferred to their call center in the Philippines. Besides a lack of product knowledge their diction is poor and their ability to resolve issues is zero. Unfortunately, I have called 16 times and they have disconnected the call over a dozen times. As such, I have no online access to my monies and a call center that frankly is a waste. Citi Priority advertises a dedicated service team however they simply do not deliver. Their unprofessional behaviors are outrageous.
This bank made my legal name change nearly impossible. They had me jump thru incredibly exhausting and intrusive hoops, then reversed the name change a monther after approving the change. I closed my account with this bank when, after three hours of customer support calls, they refused to address my issue and misgendered me continuously.
I have had accounts with 20 different online money market accounts. This is by far the worst. I signed up recently when they were offering a higher interest rate than most. As soon as the account was opened the interest rate dropped. I belatedly found out while you can transfer in unlimited amounts withdrawals are limited to $10,000 per day and $15,000 per month. I was able to withdraw $15,000 the first month. I scheduled two more withdraws for month two. The first to be sent on 11/2 and delivered on 11/5. The second one day later. Neither one took place as scheduled. I contacted them by chat. First I was told the first transaction had taken place. I noted it didn't show up in the transaction history at either citibank or the receiving bank. Then I was told, sorry it did not take place but it could take 3-5 days to occur. I asked if the first transfer had been initiated on11/2 as scheduled. The chat session was terminated without a reply. I intend to close this account as soon as I can get my money out. Who knows how long that will take?
I've opened a Citigold account package with Citi. Consisting of a checking account and a very barebones Savings Account (which internally is labeled as a Money Market account, and with a very low APY of 0.04%).
Where do I start? The online application process in itself was full of technical problems: I have applied while having a login session active, from my Citi Double Cash credit card login. Somewhere close to the end of the app process, I was kicked out of my otherwise perfectly valid, and active login session. And thinking that the Citigold app did not go through, I logged in again thru my same credit card account, and did the application again.
To my surprise, TWO Citigold account packages got created, 2 ATM cards and ATP PIN number letters have been sent out a week later. I had to call the new accounts team to close the 2nd / most recently created package.
Next problem: The online banking platform at CITI, is A MESS - basically unusable for day to day checking or savings transactions. The software developers who created this banking platform, including their leading Software Architect, should all be fired for incompetence. The application looks and feel like a "theoretical implementation". First of all, for ID verification and 2-factor Authentication purposes, it cannot send e-mails. And unless you have a REAL cell number (one with a REAL US mobile operator), you will be at the mercy of an ill-conceived software system which will try to automatically call your home phone number, to provide you with some verification code.
And if you make the mistake (like me) to add something like Google Voice as your primary cell phone number, instead of a home number, it will not recognize it as a valid phone to use for those pesky verifications. A Google Voice cell number otherwise seems to be recognized for Citi account alerts. So, if you make the mistake of not using a real mobile phone number, then any attempt at contacting the customer support to help you adding back your home phone number as primary contact number, will dramatically FAIL. Because they will ask you for your ATM card number and PIN. Which you do NOT have - they'll come by mail within 7-10 calendar days. Also, even if you insist, the idiotic customer support people from India, are so narrow minded and reciting from an inflexible script that doesn't allow for any deviation, and if you ask them to update your contact info, they'll tell that you still need to wait for 10-14 days for the change to be active - allegedly for "security reasons".
So, you will be unable to access your profile section of the online.citi.com website, and also unable to access the "Manage External Accounts" section of the same site, if you no longer have a true cell phone number, or landline phone defined on your customer file with citi.
Also, the ACH in or out transfers initiated from the Citi side are SLOW - taking about 6-7 days to show up money. Also subject to quite restrictive limits, of 100K / month.
The platform looks "theoretical", full of CONCEPTUAL gaps or design issues. Making it impractical to use.
The savings account that comes with the Citigold package is also deceiving. Because the promo mentioned that it would be a Citi Accelerate savings account with an APY interest rate of 0.70%. But in fact it was something else, with an almost nil interest rate, of 0.04%.
Also, lots of hassles with a W-8 IRS form, which Citi never sends you part of the "welcome package", nor making you aware that unless it's on file with them, they will withold tax for your interest income.
I have closed all the accounts and moved my money back to where it came from, i.e. SFGIdirect, which is a more practical and welcoming credit union. You also feel treated like a human, and with real U.S. customer support. Not the idiots from India that Citi has as "customer support", or being treated like a NUMBER at citi.
I do not recommend using Citi for its Citibank services at all!
They locked my account for "review". Never specified what the review! I've spent over 10 hours on the phone for the past 3 days trying to unlock my account! I would NOT do business with Citi. As soon as my account is unlocked, I will be moving my money OUT! I've already filed a complaint with the CFPB. Stay away from Citi!!! Horrible customer experience!!!
When I saw this account advertised I thought just maybe Citi was trying to make a legitimate play to offer a good, competitive online savings account. I was wrong. One of my biggest problems is that Citi does not make it obvious that they impose quite low limits on both daily and monthly withdrawals. It is not possible to have these adjusted. If you had just a couple thousand in the account it wouldn’t be a big deal, but for larger amounts it means your money is basically locked up for a long time (remind you this is a savings account!) short of closing the account and waiting for a check in the mail. I have never heard of such a thing before.
Add that unacceptable fact to reliably horrible customer service and totally antiquated systems and you have one of the worst possible online banks. Stay far away.
The CS at Citibank is the worst I’ve ever experienced anywhere. They lost $1500 from an external transfer and after 3 weeks still can’t find it. Exceptionally rude when I call to speak with a supervisor. Several have lied to me saying the money will be in my account on a certain date but the dates come and go. The .9% savings interest is not worth it. I will be paying interest on back taxes as I will likely continue this fight for my money beyond my due date. Very unprofessional in each department, mostly speaking to people in the Philippines and no one calls you back. Horrendous.
Something very wrong is happening at Citi especially over summer 2020. Have been with Citi for over 20yrs. I called to report something weird with their app. It would not let me make a payment the usual way. The man in fraud department checked hs own Android phone and said, That should not be there." So, I authorized payment over the phone instead. THAT SAME DAY fraudulent charges started showing up on my account. When I called back to report it, it was a nightmare. No one would listen to me. I could not stop the charges that were recurring. Then, more fraud charges came after I called that time. it was like after I made a call or chat, even more bad things happened to my account. I canceled the card, but they still did not take away charges. I got a new card and still more recurring charges. The advice they gave to fix did not apply, or it was redundant things that already did not work. Customer service, especially Chat has gone to hell and Indian reps are very rude. Going so far as to SCOLD customers for asking them to clarify themselves when they type bad grammar or ask for unnecessary info. They hang up on customers or put on hold indefinitely when the problem is too complicated or goes 'off-script' or they don't want to be bothered. The men are especially misogynist and demeaning. The women 'can't be bothered' and pass you around or leave you on hold. Was passed around to 6 agents in 60 minutes before because they did not listen to what I was asking and I was on hold more than half of that time with no one coming back to let e know they were even working on my case. They ASSUME to know and give the wrong answer. Then when you try to explain, you have to beg them to listen because they talk or type over you, and then they say, "You want my help or not?! If not, go call the telephone number" or "I'm trying to help you but you are not accepting my help" (because it isn't helping my problem!) and they rudely end chat without ever understanding the reason for starting the chat in the first place. They also ask for personal info like social security numbers and security words, and other info they are supposed to either already have or should NOT have. When you question them about this, they get rude and scold or bully. Calling the phone number is no better. They pass you from department to department and no one actually listens. They ASSUME your problem and never solve the issue. If you do find someone who sounds nice and caring, WATCH OUT! They are just trying to get you off the phone. Problems STILL not fixed. It has been nearly a month and the problems and fraudulent charges still on the account. I called to file a complaint against customer service, supposedly sent to the "right" department for this, only there was never a complaint filed and nothing was ever done. In other words, there is no in-house investigation or correction of bad reps. Finally, even when I log onto the account from the computer, the website acts funny. I think whoever Citi outsourced their customer service to this time is full of crooks and they don't care who gets hurt. As soon as the last set of charges clears, I am closing my account after 23 years. I cannot trust a company that mistreats its long time customers so rudely. Citi not only outsourced its customer service, it outsourced its loyaty to its customers - to hell.
Avoid at all costs! Deposited $250k into more than one account. Learned that we had exceeded FDIC coverage as they only cover $250k PER SS # -- Not traditional FDIC coverage of $250k per account.
Have been trying for 5 days to remove the $250k. Transfer after transfer, hold forever. Well over 3 1/2 hours on the phone and still haven't received my funds back. They have excuse after excuse.
Please save yourself time and energy and go somewhere else.
Opened Accelerate Savings account to take advantage of better rate. Citi doesn't make you aware of a policy that is not readily apparent that limits your transfers out of the account to $10,000 on a daily basis and $15,000 in a 30 day period. If your going to fund this account with a small savings balance that is no problem...but if you want to fund a larger amount your money is tied up and it may take a very long time to reduce your balance (short of closing the entire account and waiting for your money). Also, signing up was more laborious than any other bank I've ever dealt with. Make sure to unfreeze your credit report if it's frozen or you will get immediate denial of an account.
Lastly, the customer service is in generally slow via phone or chat.
Bottom line, strongly discourage you from opening an account with Citi for anything but their credit cards...I have their Costco Visa card and am OK with their web site for that card. Better to look at Marcus, Synchrony, or Ally
Epilogue: Via Chat, I attempted to close out account and requested that check be sent. After 9 days of the account still being shown as active I contacted Chat again and they said the account had not been closed! They said they would close the account...so if indeed they actually close the account this time it will be another 14 days or so before I get my money. This is 6 figure money that is being held hostage! This might be the worst bank in the world!
I’m writing about the experience of my 97-year-old grandmother. She needed a checking account so I opened one with Citibank for her online. I provided her land line, my cell phone, and my email address. She’s never used a computer and wanted me to take care of all the online banking. We would have opened a joint account but that requires you to go into a branch in person, something neither of us was willing to do during the massive Coronavirus outbreak here in LA since I’m a Type I diabetic and she’s old as dirt.
We never got a card or pin in the mail but didn’t think we really needed it since we had an account number and she got a checkbook. She transferred every penny she has into this account. A few days after this she went to stay with her sister in another town because of her failing health. Immediately we started running into problems with them wanting to call her house and give a pin every time we tried to do anything. They wouldn’t use my cell phone or my email or verify us any other way and didn’t care that she wasn’t home. We had to resort to arranging a time her neighbor could go into her apartment and answer the phone to text me a code whenever we wanted to send $20.
I spent many hours with Customer Service during this time explaining why this was a problem, but everyone told me a different thing. One person told me this verification business would go on for two weeks, another told me two months, another told me it was indefinite. One told me that it would stop once I activated the card and, when I said I already had, told me I had to get a new card and activate it again. We ordered a new card, waited for it to arrive activated it, but nothing changed. Another CSR told me we needed a pin and then this would stop, but we requested a pin be sent out three separate times and for some reason never got a single one. I finally got one to set up a pin with me on the phone, but again nothing changed. At one point a CSR told me she had opened a case for me and that the “higher ups” would be in touch to help, but the next guy told me that’s not even something they do. My grandmother and I were hung up on more times than I can recall, and not just when we were being nasty. It’s like they’re all trained to just hang up on you when they get tired of talking to you.
At their suggestion, I also went through a massive amount of hassle to get external accounts verified with trial deposits so we could make online transfers, but they blocked every single one. Later they told me it’s because the external accounts were not hers, which of course was the point of having external accounts linked in the first place. They also suggested I added ‘payees” and then I would be able to make wire transfers for free, but after going through that whole maddening process I learned that there’s a $25 fee every time you want to do that.
As bad as all this was, it got much worse last week when I got an email out of the blue saying that the User ID had been blocked and I had to call to unblock it. When I called they told me they couldn’t help us unless we had someone at her house answer the phone to get the stupid code, so we had to wait days until her neighbor could go back and await their call. That day we set up a time when I could take an hour off work and the neighbor could too and called them up, just to be told that they couldn’t call with a code after all. This time they told me we had to go back to the house and call from the land line. I explained that we were out of town and couldn’t go back just to use that phone, but every single employee I talked to just told me they wouldn’t do anything else. During this time, we couldn’t pay bills, couldn’t pay employees, and were racking up late charges and overdraft fees all over because Citibank wouldn’t let us use our money.
We had no choice but to pack up and go back to grandma’s house just to use the phone. This is all very difficult for her since she can barely move and we don’t have a car, but they would give us no other options so we packed up all her things and her wheelchair and got a very expensive Uber ride. When we got back yesterday and tried calling I was told they had to verify by calling me back on that number. So I hung up and waited twenty minutes. I called again and explained that no one had called me back just to be told that since it was “in the works” with that guy no one else could help me. After an hour I really had to get back to work so I called yet again and went through all the rigmarole of the system and being on hold for twenty minutes and being transferred back and forth for the third time, finally to end up being told by one of the managers that they can’t verify us over the phone at all anymore and that grandma has to go into a bank with two forms of ID.
She does not have two forms of ID. She does not have a car. She’s 97 and it’s painful for her to get to the bathroom, let alone into a bank. She’s in the group with the absolute highest risk of dying of Covid (I’m in the second) and we’re in the highest-risk cities in the US. I told this to so many CSR’s, explaining that they’re literally asking us to risk our lives before they’ll give us access to the account, and were repeatedly hung up on. Not to mention that many of their branches are closed because of the pandemic and we’ll have to go miles away. We don’t know what else to do, so tomorrow I have to take yet another day off of work, get another extremely expensive Uber ride, sit in LA traffic for an hour, go inside a bank and risk our lives, probably just to be told that she needs a passport or something before they’ll give her her money.
I honestly feel like they’re putting her in an early grave. I’ve never seen her so stressed out and I’ve felt like I’m having a mild heart attack for about two weeks straight. She was actually crying on the phone with them yesterday and they hung up on her. I tried to make this as succinct as possible and, long though it is, it doesn’t even go into all the problems we’ve had just trying to use a simple checking account.
Beware .. this institution is a nightmare! They force you to have a Debit Card (threw away), don't even think about having access to your money for over a week... you MUST have Debit card!!! Closed account after one week of nightmarish consequences ... don't know how in the world they have any customers. Transferred out money only to have it returned to account at Citi ... NIGHTMARE!!
I wished I had read the reviews prior to opening a savings account with Citi. I'm beginning the process of moving my funds back to another high-yield bank, or maybe back to a brick-in-mortar branch due to ease. With low rates today, I'm almost tempted to forget high-interest savings entirely.
1. The main problem is what another reviewer referred to as Citibank being a "nervous" bank. When transferring funds IN to my Citibank, I have to get a code via text, THEN answer 3-4 security questions to complete the transfer request!!!! I've already logged in, and my accounts have already been verified! I'VE ALREADY LOGGED IN!!! The problem is a few times I've been asked questions about addresses from more than 15 years ago - EVERY TIME I transfer. Why? I have never been asked this from any other banking institution IN MY LIFE. In case you think this is no big deal - if you get the questions wrong, then no transfer. Rejected. And then likely the fraud alert some other review mentioned.
Imagine if my wife had to transfer funds if I was in an accident - to pay for medical bills or whatever - and she doesn't remember the exact address of some random question pulled from a credit report. Now, she cannot get to our money!
2. Second problem which is also referred to from other negative reviews - the length of time for transfers is far longer than any other bank I've ever used! Why? I can live with this if I have to, but it's still annoying.
3. When you transfer funds while logged in to City (from within Citi account), there is no immediate record that the transfer is in process. One time I completed the transfer, then went to verify it was done. I didn't see it. So, I did it again. But you can see the moral of the story - 2 transfers! I get it, this one is on me since I should have just waited for the 4-5 days for the transfer to account complete.
4. The mobile app uses different language for transfers verses the online website. Doesn't seem like a big deal until you try and transfer. I've verified my accounts on the website, but when I log in to the mobile app, NO EXTERNAL ACCOUNT VERIFIED. It is the same account! I'm the same person! Then try transferring. You guess it... doesn't work. Currently, when pressing the "transfer" button on the app I just placed back on the home screen. But still confusing since the website has a further transfer option called "Your External Accounts". But that phrase is not in the mobile app.
5. Yet to find this out, but now I'm mad it may be true. There is apparently a limit on how much you can transfer FROM Citi to your external verified accounts. I haven't begun transferring funds out yet, since I'm STILL WAITING for the original funds to become available (I'm on day 4). Again, I've been able to move sizable transfers between other financial institutions, but apparently not allowed with Citi. We will see on this one.
I've never written a review for a bank. But now I'm so annoyed and mad, I'm hoping others will actually read this, and move on to some other bank. Oh yeah, I finished the transfer, then the APR dropped! All this trouble for nothing!!!
I can't really recommend this bank anymore due to the following:
1. Slow transfers, like 4-5 days.
2. Like others have said, transfers are difficult, you have to answer identity questions, like where did you work previously, almost credit level questions, and they trigger Lifelock warnings, and possibly other agencies, incredibly annoying, especially on a $2000 transfer, I could maybe understand on a very large amount.
3. If you setup an account for transfers, then go to use "Add Funds", it doesn't even recognize the transfer accounts you previously verified, makes little sense, so you have to log into those or supply routing.
4. There's daily and monthly hard limits on transfers $1000 for "next-day" and $10k for "standard", with a monthly limit of $2500 for next day, and $15,000 for "standard".
5. Savings information doesn't list daily amount accrued like Ally and doesn't show when you will receive savings, like exact day. It appears to be 30 days from when you setup your account.
Probably, petty, but not 100% sure why savings accounts are listed as "Money Market".
The only good things are decent mobile app, OAuth for Mint users.
Their customer service is AWFUL. And they will close your account for no reason and screw you out of promos. And you can never get a rep in the US.
To be fair to Citi, I have had their double cash credit card for years and great return for every day spending and I charge $15 to $30K a month in business expenses on the card and the balance is paid off in full every week, but their deposit accounts are another story.
I received an offer with an attractive incentive to open an account with at least $50K and to receive 2.5% cashback on my citi double card instead of the 2% for the first two years.
There were two times I tried to make deposits out of an external account and even though I have used that account many times for transfers their fraud department called and I had to go through a lot of hassle to get the transfers made.
Yesterday i go on to look at my account and see my savings and checking both have a zero balance and website says account closed.
I tried looking at the history and citi will not allow you to view history on a closed account. I had to place three calls to find out what happened since I was scared someone hacked my account. Finally talked to someone that said a check would be mailed and was closed by their complaince department and no one could tell me why.
Convenient they close it after 11 months when I was to receive my account opening bonus three weeks later. Still haven't received my bonus 1/2 percent on my mastercard either.
Here’s my experience banking at Citi, and hope it helps you make your decision. Citi is a Very Nervous Bank - I opened a 50K CD Account doing their promotion of $700 in 2019. The account opening process was okay, a little cumbersome, and did ask for a lot of info that seemed overboard and more than other banks normally do, including security questions from possibly decades ago like which street you may have lived on 20 years ago, with answer choices, etc…. But once it got opened, assuming you answered all of their security questions to their satisfaction correctly, I thought it would be smooth sailing from there. After opening, had to link external bank account with trial deposits, pretty standard nowadays.
Once the link was established, I did the next logical thing, tried to transfer money into the new Citi Account. After doing this, I ended up getting fraud alerts and started getting phone calls from Citi about my transfer. So, I had to call in to Citi Fraud Department, talk to a specialist, and then do a 3 way call with my bank to confirm that I initiated the transfer. Really? Why is it a fraud alert if I'm trying to put IN money into my account, not taking anything out. That was quite the hassle! Was a 3 way call really necessary with my external institution, after I've confirmed my information already online, and confirmed the external bank trial deposits? The money was finally settled into the account. Then, had to call in a few days later to ensure everything was set with the account and the promotion.
Well, I came to find out that I had to split my money up to have some in the Savings/Money Market and to have some in the Checking in order to qualify. So, the customer service associate did that for me, but had I not called in to ask, I would have never known nor would I ever been notified! I would have waited several months expecting $700 bonus and possibly never had received it. I did have to wait about 5 full months before getting the actual $700 promotion bonus. I did receive it eventually, and within the time frame noted on the promotion, I believe within 90 days from the end of the 60 days you have the $50K in your account. But I did inquire over that period about it, only to be told that if I did sign up for the promotion, it will be processed before the promotion expiry period.
Keep your promotion code with you that you signed up with, I can’t recall how many times I got asked what the PROMO code was that I signed up with. I would think Citi should have better records and it should be recorded next to the account information! So, fine, I'm happy, finally received the $700 after approx. 5 months of opening the account, and waiting. So, then I decide I want to take out my $50K and put it back to my externally linked institution on the account, because I’m getting a better savings/CD rate there at the time. So, I find out that Citi only allows up to $15K External ACH Transfers per Rolling 30 day Period! So, that means if I want to take the full $50K out of my account, I will have to do it over 4 months in a phased approach! What? That is crazy. Secondly, I could do a Wire Transfer which has a fee of $17.50.
Before I find all of this out, I try to do some small ACH transfers out of my account to my externally linked account, less than $5K worth, just to start the process of transitioning my money from my Citi Acct. to my External Account, and guess what more fraud alerts! So this time I get bombarded with fraud alerts in my Text Messages, In my Citi Online Account Messaging Center, and my Email, asking if I did this measly transfer of less than $5K to my external institution. Then, after clicking YES, I did that transfer, it still asks me to call into the Citi Fraud Department to verify my account and clear things. Over less than $5K! Are you kidding? That's peanuts. Then, I call in to the number it lists on the secure online email, I’m thinking directly to their Fraud Department. But, it happens to route me to their general customer service department after waiting 20 minutes on hold.
Then, he bounces me around to a different department, which happens also to be another Customer Service Department representative, who then tries to transfer me to the Fraud Security Department, only to come back and tell me that it’s the weekend and their Security Department is closed, and to call back Monday. So, I wasted almost a whole hour to hear that. Monday arrives and I call directly into their Fraud Prevention/Security Department first thing in the morning, thinking I can get this quickly resolved and move on with other things in life. After going thru their automated system, I connect to a rep., she asks me for my full debit card # and then asks to send a one-time code to my phone. Fine, both are done. Then, she tells me that all looks okay in the account, but they just wanted confirmation that I did the transfer, and noted that I had already cleared out the alerts by responding to the automated alerts already.
So, I found out, to get around all this, I did an ACH transfer initiation from my external account from my Citi Account, and that was done without hassle. So, if you can, do not try to initiate an external ACH/EFT transfer OUT from your Citi account but initiate it from your external account FROM your Citi Acct. That will save a lot of hassles and will bypass the withdrawal limits. All in all, if time and not having stress is something you value, I would advise to skip banking here. Don't be suckered in by their bonus promotions, they come with a lot of hassles and hoops.
In my opinion, I would have been better off at some online bank storing the $50K making nominal interest on a CD over those 5 months without worry or stress, even though it would much less than $700 in interest. Gladly, I stopped my family members from opening accounts with Citi for this same promotion, they would have been pissed dealing with the hassles of this bank. There IS a such thing as being too restrictive, secure, and nervous about your banking methods, so much that it makes it very inconvenient to do banking with you. Citi, please get with the program!
I opened a high yield savings account with Citi in November 2019 because of its high interest rate. One day, somebody hacked into my account and transfered the money to Charles Schwab brokerage account. I was stunned about it which took me 2 weeks to fix the issue and finally got the money back. How they helped with me was pretty poor. Then, recently, I tried to transfer $3,000 from my primary bank to the savings account only to be rejected(!). Okay, I've had enough and am going to close down the account when my 6 months are up. I've never ever had a problem with other banks. Citi is really an inept bank with very weak security measures.
It took almost 2 months from the time I called to close my account until I actually received the funds. In the meantime, I made over 10 calls to the bank and spent many hours on hold, to no avail. Regrettably, it took filing a complaint with the Consumer Financial Protection Bureau to get a positive response (and even then the official response was manipulated in a way that wasn't entirely honest to paper over some of their failings). If you plan to use them as a "one and done" bank that you will stick with for the rest of your life, it will probably be just fine. But if you view a banking relationship as something other than a forever marriage, look elsewhere.
Stay away. My experience after 1.5 months has been horrible. To many things to discuss but here are some: no statements posted, no interest posted, customer service wait times of over 1/2 hour, no PIN number for card after 2 phone calls to customer service, $10,000 monthly withdrawal limit, extremely slow processing times on withdrawals. There are other online banks that do it better. Buyer beware.
I opened a savings account due to their good interest rates but trying to transfer money out has driven me to close the account. I have been fighting with their customer care for days trying to transfer $10K to my checking account at another bank. Their online transfer function does not work and their customer care is inept. I have had other problems with their web-based system which took them weeks to get fixed. I don't care how high their interest rate is I'm leaving and never going back; I suggest you do not open an account with Citi,
I initiated an EFT using the Citi Online Portal to take funds from my primary bank to Citi Money Market Savings on a Wednesday. The funds were removed from my primary bank on Thursday. They appeared and started earning interest on the following Tuesday. To be fair, Monday was a bank holiday, but that makes 5 days that Citi had the funds and didn't credit my account.
Marcus by Goldman Sachs credits your account the SAME DAY. Not worth a tiny bit higher interest rate when funds go dormant so long!
Even worse, their transaction limits make it very difficult to use them. Only able to move $10,000 per day out of the account, which I am now doing as I am done with Citi.
I hardly ever write reviews but feel that I must in hopes of preventing someone else from being a victim of Citibank's horrible service.
Like others, my wife and I were lured by their high-yield Accelerated Savings account. Nine days ago we decided to transfer a large portion of our savings there. Seven days ago, AFTER our money had been transferred, we find out that our account is locked due to a fraud alert. I immediately pick up the phone only to find out that it is not actually due to fraudulent activity but due to them needing address verification - even though we have been a Citibank Visa card holder for years.
Anyway, needless to say, we immediately uploaded a utility bill as they requested. We were told to give them 24 to 48 hours to unlock the account - which is ridiculous, but I would take it at this point. Nine days later, our account is still frozen. I called again this morning and we're now being told it may take another ten, yes, as in 10 days for them to unlock our account. I told them that was unacceptable and that I wanted our money transferred back to our bank - as in to the same exact account where the money came from. I was told no, can't do that until the account is unlocked. So Citibank has in their possession a large chunk of our money that we can not get access to. Sounds illegal doesn't it?
So buyer be very, very aware. We have filed a formal complaint with the Federal Reserve. Probably won't do any good but at least we can say we tried.
Worst banking experience ever!!! They will charge you OD and NSF fees even if your account is positive. They don't care about their customers because even if the fees are an error they just tell you it's computer-generated so they can't waive the fees. The best part is for one simple question you get transfer to multiple reps and no one speaks clear English nor do they take the time to understand your questions and concerns you have to be a you know what for anyone to help. Don't bother trying to calll them either because you'll be on hold for a long while and once you do get a rep. they have a strong accent, don't take the time to listen nor any intiative to help you out. Make you feel like they don't care aboutcustomer service. They also lack common sense when it comes to asking general questions like will my fees be credited back to me. I swear the answer I got from one rep is you have to file a dispute. Well anywho if you decide to bank with Citi Bank be prepared for tons of fees and horrible customer service!
Responded to mailer for credit card holders to open a checking account and receive bonus. On 11/23 received letter that account was open, stating I'd need an ATM card to access the account online. It never arrived. Called 4 times over the next four weeks asking for the status and was told by 4 reps and 2 supervisors that Citi was delayed in processing the ID documents I had uploaded and an extension on the bonus would be provided. During this time, I received multiple duplicate and conflicting emails asking for various permutations of ID documents. Two days before Christmas, was told everything was complete but they needed a signature card, which they had never requested, to finalize it. The first rep said she'd email it to me, and then didn't. A second supervisor from another call finally emailed it. Found a fax machine since this is the one document they don't take online, and sent it in. Crickets for 3 weeks. Then last week, I received 3 duplicate letters all requesting I complete the same signature card. I finally got an email today that the account was available and I'd be able to log in once I received the ATM card within 2 more weeks! Called in again and a rep and supervisor said the bonus period had expired, there is no record of an extension in all the call notes, and regardless, the account was actually open the whole time -- so I could have just made the deposit within 30 days even though I wouldn't have been able to access the account. This was the worst banking experience I could imagine and I will warn everyone about Citi's terrible service and incompetence. The final supervisor said they would initiate a formal internal investigation about why I had been led astray but that regardless, the bonus had expired. Having applied for the account, I'm not eligible for another bonus for 6 months. I wouldn't trust this joke of a company to hold my money.
can not for the life of me figure out why they cant open an account for me. i have not had any recent life changes, i didnt make any typo's in my application, do not have my reports frozen, have great credit, great chex report ( no negatives on anything), i even have an existing credit card with citi. i keep getting this error message when applying : Unfortunately we can’t approve your application and open your account at this time. Within 7-10 business days, you will receive a letter in the mail with more information regarding this decision. i came here to see if anyone else got this message, and i read all these terrible reviews, perhaps i should count myself lucky that they wouldnt open an account for me. stay away, avoid!!
I opened a high yield savings account with no issue. When I tried to fund it the problems began. My online transfer from another bank was denied. I inquired at Citi and was told to wait a few days. When you call their number you are actually calling to a foreign country where foreigners with very broken english speak to you.I waited a few days and tried again and again was denied. After another difficult phone call I was told to try again another day. The third time when i was denied I called again and was told I had to fund the account from a checking account not a savings account?? After a rather difficult conversation I elected to put my $ in another bank. I never saw a bank that made it so difficult to take your money? if I could give no stars I would.
We opened a new account, transferred a large sum of funds to said account, after 3 days the account was denied for no justifiable reason. They said they’d mail a check with our funds, but they held our funds for over a month and did not mail the check. After anxiously checking our mail daily waiting for weeks for the check to arrive, bear in mind this is a large portion of our life savings, we called to learn that the funds were not mailed and were wrongfully sitting in our denied Citibank account. Every time we called we were on hold for at least a half hour if not significantly longer. Nobody we spoke with provided clear answers to our questions, and we were continually redirected to other uninformed people. We will never use Citibank again.
Opened a Citi Acelerate savings account in October of 2019. After continual issues with first backup withholding, then transferring money into the account from two of my other accounts, then continual locks on my ACH transfer ability (that I still don't understand), I've finally thrown in the towel and just put in a request to close the account. And I had transferred $50k into the account on it's way to probably around $200k.
Glad I didn't transfer more initially; I was beginning to wonder if I'd ever get my money back. Their fraud department sounds very much like some sort of offshore fraud boilerhouse call center; not the kind of folks you want to be knowing your ACH details with your other banking institutions. (As a sidenote, did you know that on a bank to bank conference call the banking industry has no way of verifying if the call participants are banks.) Not to sound all nationalistic, but when dealing with problems like this I sure don't want to be talking to someone I cannot understand, and they have trouble understanding me. The fraud department needs a wholesale remaking. And no one, once I threw in the towel (I didn't ever loose my cool.), even wanted to know why I was leaving after just a few months. Remarkably incurious. As a bank investor, I'd give C a wide berth. As a customer, a wider one!
I applied for the 300$ bonus checking account program they failed to notify me what documents I need to turn in to complete the application and citi bank closed out the account. I applied within 60 days on a $400 program they advertised and fulfilled all the terms t. Unfortunately they still refuse 2 apply apply the bonus that I was entitled to. Based on my experience , best you park your money at another online savings that gives you a high yield or a local bank that needs your support. It was aggravating to tie up a huge chunk of funds. Not get my bonus and earn a meager interest of 1$ each month. Bank upper management isn't concerned about goodwill or honoring their advterised bonuses programs. Need ti file a complaint with better business bureau
I opened this account and have had nothing short of a nightmare since funding it. One day my account is blocked, I call and then they tell me it's okay and will send me my debit card (almost 3 weeks after I opened the account). I activate the account, try to set up external accounts - the website to enter test deposits is so counterintuitive!!!!! Finally get an external account verified and although I asked if my account was blocked i was told it wasn't and I can make a transfer - wrong!!! Called again and the account is blocked because they are having back office issues and it will take at least another 10 days to authenticate documents. Is this 1999 or 2019??? One month and they still can't get their act together! Don't be lured in by the rate. What's the point if you are on hold at least 10-15 minutes each time you call customer service, get different answers to problems with the account and you can't withdraw your funds. And they won't even notify you if your account has been unblocked. You have to call them again and again and again. Worst product ever!! Your money will be trapped.
If I could give Citibank 0 stars I would. They have virtually no desire to treat their customers as human beings. The bottom line is that they are a multi trillion dollar company who makes their incredibly large salaries by screwing the average consumer over. They have zero customer service skills and don't listen to their customers. Instead they send out form letters when issues arise and don't ever address specific concerns. Skip Citibank and all big banks for that matter and take your business to credit unions.
This is the Citi specialty - form W9.
I don't remember W9 form for a requirement from any other banks or unions so far.
The process of submitting the form is taking already around four weeks. Mailed with a welcome kit envelope and faxed to a provided number. Checked a status - not on file. Mailed again to another provided address and faxed to another number. Checked the status - not on file. Called to local office numerous times - busy signal and instantaneous route to a call center. The same result if you choose a different language. I will drive to their local office. My hope is - they will allow to fill W9 form in the office. The bank immediately started withdraw Federal tax as it seen on my first statement from the Citi bank. I will update my review next week after my visit to their local branch.
I drove today to a local office. It took less than 5 minutes to fill out a new W9 form. Nice, efficient and helpful representatives in the local office.
My account was charged fees for thankyou points that were not even set up $200 total when account balance went a few dollars down based on 13 years old account rules. I was not even set up to get them, none of the benefits justify the fees but now they cannot be waived.
10/11/19 Do NOT consider!! I am returning to AMEX. This experience was horrible from the application process, and continued thereafter. Do not waste your time. Just terrible customer service. Citi is incompetent when it comes to banking.
I encountered major hassles opening Priority Package accounts that include a checking and Accelerate Savings accounts, and linked to an existing credit card.
1. Web sign-up progress reset halfway through, after I've completed opening an account but before I could complete funding the account. Its site did not let me continue, so I couldn't link funding accounts and transfer funds until I received a debit card, and create an online account.
2. Even though I already have an online account with Citi (as I have two credit cards), it did not let me link my new Priority Package accounts to it, and required me to create another online account. But the new online account cannot link to my Costco credit card, so I have to manage two online accounts for Citi now.
3. The account opening process didn't have the option of adding a joint owner (not sure if it would have prompted if it didn't reset halfway through). I called customer service to add a joint owner, and they require a physical, notarized form to do so.
4. They automatically withheld taxes on interest earned even though I did *not* select that I'm subject to backup withholding. To change this, they require you to send in a physical IRS W-9 form.
5. Outgoing external transfers are limited to $10,000 per day, even though incoming external transfers have a $100,000 limit.
6. They require a $50,000 minimum balance or they'll charge you a $30 monthly fee. I was aware of this going in, but at the time their interest rates were higher than other savings accounts to make it worth it. Since then, their savings account rates have dropped to similar levels as other banks without such high balance requirements & fees.
To their credit, their customer service reps are professional and helpful, it's just their account setup and fund transfer process, and balance and fees requirements are poor.
I moved my savings to Citi via a special promotion and it has been anything but seamless. I set up my account online but it was not apparent how to add the account to my online banking (I am a credit card customer). Once I inquired, I was told that I needed to await my debit card. Once I had the debit card, I had to add my account like a credit card (odd interface). I'm pretty techy but the interface they have is not intuitive. Linked my checking account and transferred more funds in. It took a week for my funds to post despite being removed from my checking (much must worse than other banks I interact with). A few things I don't like: 1) statement comes in mid month 2) current rate isn't posted anywhere in the account 3) federal tax withholding. NOW THE BIG DEAL. Transfers back to your checking account take 3 business days and are limited to $10,000 ($15,000 monthly). A bit of an issue if you need all your funds immediately (ie for a down payment). There is a option for wire transfer for $25 up to $50k a day. If you close your account they will send you a check in 7-10 business days. I'm out of here, glad I don't have a real estate contract pending.
Lured in by the 2.36% APR on the Accelerate Savings Account and the constant emails RE: same due to my long-standing double cashback Citi card I decided to open one of these savings accounts.
FYI the day after I applied the APR dropped to 2.21% APR.
That was 5 weeks and about 10 phone calls to the Philippines-based call center ago. Don't get me wrong, I'm a very patient person and have no problem with call centers not being in the US. I'm a blow-in myself, though a native English speaker. I think all but one Citi representative I spoke with had acceptable English.
But the systems. WOW. Just Wow. I see someone below titled their review "Clown Show". It really is that bad. I mean from having the double cashback card I already knew their website was iffy (improving very very slowly over the past number of years).
I can't even summarize all the errors I've run into in this process. Here's what I remember after filling in the online application:
1) Email arrives with DocuSign link (turns out you need a "signature card" and W9 filled out after the online setup process). The DocuSign process for signature and W9 had a bogus verification step. Cue initial phone calls. I had them reactivate the DocuSign form TWICE. Verification was first two letters of surname plus last 4 of social. Not rocket science. I do have an apostrophe in my name, the instructions clearly said to leave it out. I tried every possible combination of upper and lower case (on the two letters!) and spoke with call center people several times. All they could recommend were things like all-upper versus all-lowercase. Literally telling me the opposite of what the instructions Citi had placed on the DocuSign validation page and previous reps had said. You don't have to read in between the lines there to realize ***they don't know what's going on with their own processes***. At all. So none of it worked. I am a web programmer and asked them to please pass this problem along to tech staff to save future customers this frustration. No interest in that at all. I should have stopped the process at that point and skedaddled, but instead I agree to a package of documents sent by post to continue on.
2) A massive bundle of mail documents eventually arrived after several weeks. Buried in the massive ream of paper is the signature card and W9. Filled them in. You have to fax or snail mail if DocuSign didn't work. Used faxzero.com and saw that it would take a few working days on their side to process.
3) More time passes. No email about receipt of documents. I start getting some "please fund your account" emails. In the ream of paper they have a few options to fund.
- The mobile app funding option won't work cause you need your debit card PIN to add the account, but of course you haven't gone through the process yet, you don't even have a card, so that's chicken-and-egg. Their systems are full of poorly-thought-out nonsense like this. GRRRR
- Mail a check to Texas. What year is it?
- Call them and try to set up a bank transfer. I do this and verify that the faxzero stuff was all received. I was told it was. I handed over yet more personal info to do a bank transfer of $1000 and try to get the ball rolling on this. Was told it would be maybe 3 working days for the transfer to be entered and another 3 to get processed. Something like that.
That was about 10 days ago. So I rang up again to see why I haven't seen money move out of the Ally Bank account in question.
Eventually I get talking to someone and was told the account was closed because the documentation was not received. As I said I verified that was all in order when arranging funding.
She added "or maybe it wasn't received soon enough". You will get lots of uncertainty about their own processes when asking what's going on. And no wonder. It's a spaghetti pile, as far as I can tell.
No email was generated regarding the closing of the account, or any missing documentation for that matter. Amazing. Do they even want new customers? The only emails sent the whole time were the ones linking to the clearly-broken DocuSign verification page and a smatter of "give us yer money", a.k.a. "please fund your account" emails.
Now, let me tell you, I'm really glad they closed the thing. I was worried I would be told it would be a few more working days or some such and that I'd be stuck dealing with this bank for years.
Please take my word for it that you don't want the hassle of dealing with this bank. I've been using the double cashback card as my main credit card for years, without ever needing to call customer service, but am now thinking I should swap to another after seeing how the sausages are made at Citi.
The comparison with Ally, say, couldn't be more stark. A near-perfect website, online chat with short wait times, US call centers. My experience with them has always been fantastic.
I regret ever mooching away to try to get higher than the 1.9% APR their easy-as-pie savings account gives you. And guess what?... they have CD's (including a no-penalty one) that have rates even closer to the Citi Accelerate rate.
In fact, the 18 month one is higher at 2.30% APR (on $25k+).
I will think about opening one of those as I enjoy shredding the 50 double-sided pages of crap Citi sent me to open this non-existent account.
Thanks for letting me vent.
In June 2019 I set up a Citi Accelerate Savings Account to obtain a higher interest rate. At the end of July Citibank closed the account stating I had not completed paperwork and my funds would be returned within ten (10) business days. (The only paperwork ever received were letters opening and closing the account). Nearly two months later the funds have not been returned, are not accessible to me, and are not earning interest. Calls to the main number are inevitably transferred and I am given different misinformation as to the status of my funds. I am never given a direct number to call. Most recently I was asked to provide a current utility bill with my address on it and I have complied. I am still awaiting the return of my savings.
I tried multiple times over a month to open a Citi Accelerate Savings account. Managed to get 2 accounts open (1 online and 1 over the phone) but was never able to get the accounts funded or get online access. Have waited up to 1/2 hour on hold to speak with a representative only to find out days later what they told me was incorrect. Since this process started Citi has lowered the interest rate about to the level of my other savings accounts so I am giving up on Citi.
Too many headaches to list.. I have accounts with almost all the competitive high yield savings and CD banks out there, Citi is by far the worst to deal with.
Transferring money in.. when you get an error saying that the transaction request was NOT completed... and there's NO record of it..
On 2 occasions. I had received this error and it still went through.
My external account was drafted two times for the same amount.
I called the clown show, and they could only see 1 request.
The second time this occurred, it put me at risk of over drafting my external account as it was a large transfer that I was not planning to have occur 2x's.
The customer service is beyond inept. They will hang on up you constantly , transfer you endlessly, and ultimately resolve nothing.
If you value your time and your sanity, stay away from these clowns. The amount of interest you earn is too little to deal with inept customer service and spending hours on the phone.
Speaking to others out there, I have heard nothing but horror stories and endless hassles.
My Citi Accelerate savings account has been one hassle after another. I signed up about 8 months ago and it took three different attempts just to open the account. Then, linking my Citi credit cards with this account was impossible. I ended up having 2 different login's. I struggled with several attempts to get a portion of my funds transferred to an external account. I had to close the account just to get the rest of the funds I needed. Customer service is terrible. Hold times are excessive and you're usually transferred several times before you get to the right person, and that is if you get there at all.
Saw the 2.36% interest rate online with no fees if $450 kept as balance so verified rate and terms with associate by phone before applying. Went online to complete opening of account. Got signature cards in mail but no verification of terms. Called Citi and it took very long time to get through to someone who didn't speak English very well and was told it was 2.16% interest with $1500 balance required to waive fees. He couldn't close account because transfer money not yet available.Called today, and closed account. Person I spoke to didn't care why I was closing it or that it took 15 minutes to get through today. She said she'll bring it to her supervisor's attention. Of course she will and then they'll fix all problems and no one will have to go thru all this crap again, right!!??
It was the worst banking experience ever. I went with CitiBank due to the name but that was the worst mistake ever. I signed up for promo that would give me $600 bonus after keeping my money there for 60 days. I wrote some checks out after opening the account but they bounced, I called and they said well you have to send back a signature to write check which I was never advised of. I said go ahead and send me the card and I sign it and send it back, I never got the signature card. I called back but kept getting runaround through automated system to do it electronically. After I fulfilled the 60 day I called them when I would get my bonus, I was advised you get it with in 90 days after you met the requirements, I said ok. few months go by I get an email that states congratulation you have met all the requirement and you will receive the bonus with in 30 days. 30 days go by no bonus I called customer service then the rep says you get the bonus in 90 business day from when I fulfilled the requirement. No where in the email did it says anything about business days. They are very Shady I would never bank with them again. I have CC with Home Deposit and Best Buy which I will be closing because I want nothing to do with CitiBank. I could have earned way more then the bonus amount had I kept the money in High Yield Savings Account for the amount I deposited. I couldn't withdraw my money either because if it fell below the limit I would get charged high fees. I didn't want to close the account because then I don't get the bonus. It's going to take well over 6 months to get $600 with the amount I deposited I would have gotten double that just keeping money in high yield savings.
I am not sure why would they advertise for saving accounts if they want to make it hassle to open an account in the eligible states. They request additional documents then you call to follow up an every representative tells you something different. It's so frustrating, a lot of choices with better customer service out there.
I opened a checking and savings account with Citibank in February of this year after hearing that in the 41 states where Citi has no branches, it now offers a high-yield savings account—Citi Accelerate Savings—with an APY of 2.36% (in comparison to my savings account at Chase, which has 0.01% APY). Unfortunately, account opening was very odd in that after opening my checking and savings accounts, I had to wait for my debit card to arrive in the mail (almost two weeks!) to be able to log in to my new account and add money to my savings account. Once I got my debit card, I activated it and was able to log in to my account. However, I had to log in to my account using the debit card number, my mother's maiden name, and password each time I wanted to check my account balances, instead of simply using my username and password. Also, my security passcodes had to be obtained by calling Citi rather than by getting a text message on my phone. It was like this for a couple of weeks until I finally called technical support, who told me that my phone number on file hadn't been verified yet—an option that wasn't available for me to do myself online. Once it was verified, I no longer had these issues.
Until this month, I had no more account issues. When I upgraded my account package, I got a notice in the mail of Citibank's deposit rates for the new package, but the notice was for Illinois (I live in Wisconsin). The Citi Accelerate Savings APY was listed as 0.04% on a horrible-quality document with a Citi logo that was pixelated and looked like one someone could've obtained from Google Images. I presumed the unprofessional document was sent in error, and when I called customer service, I was told that I was correct, and that I would still receive the 2.36% APY.
The Citibank app is probably one of the nicest-looking banking apps I have ever used, but I think the bank needs to work out all the bugs in the app and make account opening more seamless. For now, my Citibank account will be my secondary banking account. Chase may offer pretty terrible deposit rates, but I’ve never had issues with them.
Signed up for an account because of a great promotion. It took over two hours on the phone due to the agent typing slowly and not knowing basic answers. They got all my transfer information on Day 1, but did not mail me the necessary signature page until a month had gone by despite multiple phone calls. I returned it on the same day, and was assured that my account was eligible for the promotion. Fast-forward 6 months. They say I am ineligible because they didn't transfer the money until the 32nd day of the account being open (30 day window). I called several times in the interim to verify that the account was on track and eligible. I appealed and was refused. Deceptive tactics. Closed the account.
I have to agree with most of the negative reviews. I started switching to Citibank almost 3 months ago. I'm still working out the bugs. Before I can write checks, they tell me I need a signing kit, but I don't have a local branch, and they can't figure out how to mail me the forms. Occasionally I get a competent customer service representative and a problem gets resolved. If you have actual bank branches in your state, I recommend this bank. If you're trying to do internet banking, they are not state-of-the-art and you will be extremely frustrated.
I made a savings account with Citi Bank and it has all gone horribly, because of their horrible customer service and website. When you call them, you get an automated person, who only helps you if you give them your SSN, banking number, or ATM card. Well, since I just made an account, I didn’t have an ATM card, so I gave them my banking number, which apparently didn’t work and I needed to use an ATM card number. So I asked to use my SSN, but of course Citi bank couldn’t find an account related to my SSN. Then I finally was able to contact someone via Citi Chat that told me that I would have to wait 24 hours to access my account fully. This is literally the worst experience I have ever had and I wouldn’t wish Citi Bank on my worst enemy.
I have a citibank checking account and let me tell u. this is the worst bank I could ever open. they charge me $34 for overdrawn fee because I was overdrawn 0.30cent. I cant believe this all now, then they send a unauthorized transaction thru with my account already in overdraft so they could charge another overdraft fee, which they did. So am paying $68 for 0.30 cents. I hate this bank. Now am leaving the account to close in 60 days.I WOULD NOT RECOMMEND NO-ONE TO TAKE OUT THIS TYPE OF ACCOUNT
I tried opening a checking and savings account with Citi over a month ago. When I initially submitted the application they obtained several pieces of information from me. However, they did not obtain identity verification documents. A week and a half later I had heard nothing about the account so I called back to Citi's inept customer service department. At that time I was informed they would need copies of my drivers license, power bill, cell phone bill, social security card, and a signature card. I requested that a signature card be emailed to me but the customer service person told me signature cards can only be sent via USPS. The next day I surprisingly received an email requesting all of this information and it did include a signature card. I sent the information back to Citi promptly and called to see when the account would be open and available to use. I was told it would take 5-7 business days to verify my information. It has now been 3 weeks since I started this process and I still don't have an open account that I can use.
I have a CD at Citibank which matured, had a 7 day grace period, tried to withdraw on day 5, it was inactive. Spent 4 hours in the bank that day and drove to three locations and could not get the account active. No manager on duty, no one else could do this, faxed to another branch no reply. Two days later got a call from citi saying it was now active, but I had missed the grace period for withdrawal and I’d need to pay a fee to withdraw. What a awful experience, unless your a millionaire don’t bother with this bank. Cd rates 4-2019 1 yr .25 rate, ridiculous, same as the prior year when rates have gone up a full 1.00 %.
I went online and set up a Accelerated Savings Account with Citi in February 2019. They sent me a ATM card a week later with a note that I would receive a pin a few days later in a separate mail. About two weeks go by and I never got a pin. I called in and asked if I could get one. First you wait on hold for about an hour, and then I got a person on customer service tell me that I would be receiving a pin and a new card. I had no idea why they were issuing me a new card. Another week and a half go by. I call back again. This time there is no mention of a new card. The customer service rep says I need to activate it online and pins don't come in the mail I told her there is no way to register it online without a pin. She would not believe me and made me feel like a moron. Onto another customer service rep. This time he said I did need a pin and he would overnight one for all the inconvenience.
The pin finally came in the mail over a month after the card came. Now I register it online. It worked! But now I can't access my account. It seriously just takes me to my Costco Credit card account and nothing with my savings account. I call back in, and they again have no idea or any way to help me. I spent another two hours on the phone for no reasoning or help.
I just closed the account before I could even access the thing. This was the most insane banking issue I have ever had. Simply trying to open a savings account and not being able to do so. It was unreal.
Citibank is one of the worst banks out here they system is not real time. They system don’t update accordingly. The customer service depot is terrible they savings acct and checking acct balance minimum is outrageous obviously not for people making average salary. The interest rates on they savings account and cd is terrible. I hate everything about Citibank as soon as certain deposit come Im closing this acct now.....capital one bank even TD bank is better then Citibank
It looks amazing until it's informed that the rewards wont be applied in another 90 days after you meet all the requirements.
Unless you do nothing with the funds for a total of 5 month otherwise fees applied.
So in general, based on a minimum of $50000 that's required, you are having a 5 month CD at 2.88% apy. Not that fancy.
Citibank used to be good. But last several years, the service got worse and worse.
1) The online chat banking service is not reliable. 2) The secure instant message don’t work anymore. 3) The telephone banking customer service is very poor. Most of time, the holding time is very long. Many representatives are not knowledgeable. They transfer you to several other agents and could not get simple questions answered. You need to call several times and spend hours for the same issue. 4) The products are not competitive and the saving interest rate is extremely low. 5) The transfer of money takes 3-4 business days. It takes 1-2 business days in other banks.
Other big or small banks provide much much better service and products than Citibank.
i have never ever won a dispute with them. even when there was fraud on my account and someone took money from my atm, they still did not credit me even though i did everything they said including filing a police report. they said if i filed a police report they can check the videos, and even then they didnt check the videos. they ask you to soooooooooooooooo many things such as writing letters and faxing and for what, at the end you lose and they dont credit you anyways. for g-d sake someone did fraud on my account and they still wouldnt credit me back.
I, have been 1 month back, in payment.Pay the late fee, and the previous month. I have been threatened +harassed, by the parasites that work for citi. Constant phone calls, sometimes 5 a day, calling at work, certified letters,usually a couple a week,.There is a possibility to foreclose, on+ on. They want me to restructure the payments. At a higher rate,and longer terms. Again, we are talking 1 Month Back. I just block all calls, told them Not to call my place of work, and throw all mail in the garbage. STAY AWAY FROM CITI, Interesting that these POS, got bailed out for billions..Should be Zero Stars...
I have banked with Citibank for many years but their customer service has gone way downhill. Their mobile app works about 10% of the time. Their fraud early warning blocks an account on a Friday afternoon and then aren't open until Monday. I can't wait to close my account and find a better Bank.
They offer many promotions very year recently. But don't honor it when you met all it was asked for. Which means: you put $$K in the saving account for 9 months, you get Nothing but terrible service and dishonest answers.
My experience with Citibank was fairly decent. I went into a local branch to open up a checking and savings account when I moved to Florida. Even though I called ahead, my wait time was almost 45 minutes before I saw someone to get the accounts open. Other than that the experience was pleasant enough. I only went into a branch 2-3 more times and that was to get documents notarized, which they did at no charge.
The rest of my experience with them was via ATM's and online. The online website was decent enough. I only had a few minor issues which were either resolved by time, or calling customer service. They only had a few local branches and ATM's, which ended up being a concern and the reason I left them for another bank about 4 months ago. They were part of a network that allowed me to get free ATM usage but it wasn't always accurate. Which led to a few calls to customer service to get fees refunded.
Calling customer service was usually a pleasant experience. But like most companies the phone menu and actually getting to talk to someone was beyond excruciating. My average time spent on the phone was around 15 minutes which I find unacceptable but not outrageous.
Lastly, the fees were above what I was used to paying.
CitiBank was the last bank that I had before I switched over to Ally Bank. I feel that CitiBank just doesn't offer as much. I think like many of the other traditional and older banks, they think they just continue as is and not have to compete with new banks that offer innovating and exciting products. I had a checking and savings with CitiBank that I switched over. CitiBank didn't have competitive interest rates for its saving account. Now I get high interest rates on my savings AND checking account. CitiBank also did not reimburse me for ATM withdrawals at other banks besides CitiBank. Come on, its 2018, this should be offered by all banks. The web/mobile products also leave a lot to be desired in comparison to their competitors. The only thing I enjoyed when I used them was their customer service and abundance of physical locations.
I banked with Citibank while I was a foreign student in New York City. I used the account to receive money from my parents who were not in the US. Citibank charged reasonable exchange rate and wire transfer fees. As a student, they allowed me to open a checking/ savings account with no minimum account balance required. They also provided me with free check books that really came in handy. After I graduated, I used Citibank to send money back to my Citibank account based in my home country to pay back a loan. Citibank never revoked my student status so I never felt the pressure to maintain a high account balance. When I did transfer funds internationally, I simply walked into a nearby Citibank branch and was always greeted by friendly bank employees. I have always had a good experience with Citibank.
I have been with Citibank for over 7 years now. After graduating from college and thankfully getting employed in the desired industry, occasionally I am obliged to travel with my supervisor overseas to meet with potential partners. I was very fortunate to have opened checking account with Citibank. Citibank is considered to be an international player in banking and have many branches worldwide. Thus, I manage to avoid many foreign transaction fees when using my debit card to purchase or get cash from ATM overseas. It has been very smooth, convenient, comfortable and satisfying to be part of this company. Wherever I go, I feel like there will be service that is managed by Citibank and I will avoid paying any unnecessary and extra fees on my banking transactions. On top of that, Citibank has an excellent customer service. Once, I remember I needed a proof of residence for one my application at different bank. I contacted Citibank and requested the letter from them as I had been with them for long time. In 24 hours, the letter was available online in my account and I was able to download it in PDF format immediately. It was very fast with high quality response to my concern. I hope I will be with them for many years to come
I recently opened a checking account with Citibank. It was a very good experience. The website was easy to navigate and I never had an issue where I had to contact customer support. I was weary of opening another checking account, but it was really easy with Citibank. My favorite aspect of the experience was their mobile app. I could easily check my account balances and set up autopay. I rarely use a computer except for work, so it was very handy to be able to monitor my expenses while on the go. I'll be sure to share my experience with my family and friends, because they're always looking for an easy, safe way to hold their money. If I could, I'd open another account with Citibank.
I have had a great experience with this bank, I have had no issues, We do all our banking online and the website is flawless and very easy to maneuver on. It is not cluttered or hard to understand either. I like that it is a cut and dry site, and It moves at a good size pace. My checks are direct deposited and I always get an email and a text when i have deposits go in to my acct, I have also had a rep call my when I had an overdraft and she helped me take care of it so I wont get t charge.
I've had positive experiences with CitiBank checking account. The online banking is easy to navigate and have not had any issues with accessing my account or using the online banking features. I use the mobile app on my iphone and like the features and security measures versus other online banking apps. I had fraud on my account and the resolution and communication about fraudulent charges exceeded my expectations. When I contacted citibank they immediately put alert on my account and the process of reimbursement was simple.
I've been banking with Citibank for a few years now. When I first made an account with this bank, I only had a checking account and since then, I've created two savings accounts too. I think that citibank is definitely one of the best banks I've been a customer for. In the past, I've had TD Bank. Citibank excels in customer service, cost of fees, and accessibility to ATMs. TD Bank only allowed you to take money out of ATMs without fees at their branches. If it was an non-TD Bank ATM then they would charge you $3, plus the fee of the ATM itself. Citibank does not to that, so I think that is one reason why it is a superior bank. Their website an mobile app are convenient and easy to use. It has everything you could need, such as the ability to transfer money from one account to another without having to go into a branch. It also allows you to deposit checks right from your phone, so you can deposit paychecks without having to go to the bank. Their customer service is unparalleled. They are always available to help you with anything you need, at any time.
I banked with Citibank for approximately 5 years and recently had to switch to another institution. My main issue with Citibank was the lack of quality customer service and slow response time to problems that had arose. At the time I had direct deposit from my employer and there had been three months in a row that there was an issue releasing my funds from a pending status at my bank. Using the telephone customer service line was monotonous, time consuming, and fruitless experience. Not only did it take several minutes to speak with an actual human regarding my issues, the ones I was able to speak with were unsympathetic and not understanding the urgency of having paychecks held for days after they were supposed to be released. I had one particularly bad experience with a phone customer service representative that refused my requests to speak with a supervisor saying there was nothing that could be done but just waiting for my funds to release. After about three months of circling with customer service leading nowhere I decided to pull all my funds and transfer to another institution. I was so fed up I even canceled my citi credit card and opened one with my new banking institution.
The Customer Service provided with Citi is outstanding. I have had a business checking account and savings with them for
4 years. I visit my local branch to make deposits daily. I am on on first name basis with the managers and tellers at my
local branch in Coconut Creek, Florida where my business is. The bank will go out of its way to help you with any and all issues related to banking as well as community support for charity. I volunteer for a local charity and the bank has been a supporter for the local golf tournament that we have.
When it comes to security and going the extra mile, I can't say good enough about my experience with this bank. I have had issues in the past with some fraudulent charges and Citi has backed me to get them resolved quickly with the least amount of stress.
Their fees are very competitive, the staff and phone representatives are friendly. I would recommend them to any and all that need a bank who still believes in customer service.
One last thing. The lines stay low when you bank inside because they are fast and don't want customers to wait. if there is a line and there usually is not, they will take your'e deposit for you in line and email you a receipt.
I was a member with Citibank for over 4 years. During that time, I felt like a product with them. The tellers at my local bank never knew my name or recognized me, even though I came multiple times a week to deposit money from work since I was paid in cash. Citibank had low fees, good benefits, and a comprehensive online page. However, the customer service I received on site and over the phone were both lacking. Twice my account was shut down because they said someone else was using my cards, but it was because I was travelling for work and buying gas in different states which I had told them about in the past numerous times. I was a number instead of a nurtured member of their bank, and that is why in the end I had to leave.
I have banked with Citibank for about three years and for the most part it has been a positive experience. The only negative comments I have is how customer service is handled. There have been times when a customer service representative has not allowed me to finish my sentences and has repeatedly spoken over me not allowing me to explain the situation that I am experiencing.
I enjoyed my experience with Citi Bank, but the fees were too expensive for an average Joe like me. I am better off with my credit union, although, the options there are slightly more limited. If you're a business Citi is for you.
I started banking with Citibank in college. My bank at home didn't have any branches near my university and so I decided upon opening up both a checking and savings account at Citibank. For the most part I was satisfied with the bank. I was able to use direct deposit to deposit the checks I earned as a student worker. It was also easy enough to transfer money from one account to the other electronically. This was a huge plus for me. However, I did have one issue in which my account was overdrawn when it shouldn't have been. I had written a check (and absolutely had enough in my available balance) but the check bounced. Citibank informed me that I did not have enough in my checking account (untrue) and then charged me an overdraft fee. When I called customer service, I talked to someone who literally could not understand what I was saying. I had certifiable proof (a screenshot of my online checking balance the day that I wrote the check; no other withdrawals were made) and the person I spoke with kept telling me that my balance was short. I finally went into a branch to show them this proof and they were able to undo the extra charges. This should've been able to be taken care of with one simple phone call! But aside from this one bad experience, I had absolutely no issues with Citibank.
Ten years ago, when I got my first job, I opened a new checking account with Citibank. Honestly, from the first day, I was very happy with how the customer service is at Citibank and felt like they took care of me carefully and really cared about my needs as a customer. I remember walking into that bank as a young man (18 years old) and not really knowing anything about banking or how I would go about opening my account. A woman brought me to her desk and went through the details of opening an account with them, telling me about how fees work, how many ATM's they had in my area, overdraft situations, etc. I was so happy that someone was taking the time to walk me through the way it worked because I was worried it would be too complicated for me in the beginning, but after talking to her she really helped ease my anxiety about it and make me feel like I had chosen the right bank for myself. I have been happy now for a decade with this bank, the website is very easy to use and functional, the fees are definitely reasonable, and the customer service is nothing short of excellent. I always recommend this bank to anyone I know.
A few years ago I decided to open a second checking account with a nationwide bank. I choose Citi for there sign up offer. I was traveling a lot at the time so Citi fit my needs. The only complaint I had was when I called I was always transferred to a call center and it would take for ever to fix any problems that I might have had. Over the years I stopped using the account for everything but I still have it open to use when I travel.
I really like this bank. I have had many big banks in the past, and this one is by far the best out of all of them. I switched to this bank about 3 years ago because they offered lower fees for my 3 accounts than the current bank that I had did. They made the transfer from one bank to another very smooth and effortless. When I did have an issue with some fraud, I was able to speak to someone on the phone who was really interested in my needs and fixing the problem. This was very important to me because I did not want to do this without someone on my side and I felt that with this bank. Great customer service, they fixed the problem and even followed up with me a week later to make sure that the issue that I was having was resolved. I will continue to bank her for a long time to come.
Citi Bank is actually one of my favorite banks. I have had an account with them for many years. I have always had positive interactions and have found that their "personal banker" program to be very useful. The individual that I was assigned to at my local branch, is very knowledgeable in both the bank procedures and product knowledge. I did apply for both a home loan and an auto loan but their interest rates were a little higher than my company credit union. All in all I have been very pleased with this bank.
At CitiBank, I had a savings and checking account. I normally withdrew money from my checking and would occasionally add money to my savings (from holidays, extra cash from paychecks, etc). The services were fair, which is why i gave a rating of 4. The customer service was best in person and wasn't readily available on the app (unless you wait on the phone forever). The web mobile experience was good, however I found other banks such as Capital One and TD offered better mobile options and features. I had a difficult time with the institution when I withdrew money abroad. I received such a high international withdraw fee, when others banks like capital one reinbursed me for all those charges. The charges made me upset and I customer service didn't help much with fixing my anger about the situation. Overall, it's an average bank but I'd choose others.
I've been using Citibank for years, and I've never had a problem. I haven't ran into any hidden fees and their customer service is top notch. Citibank actually provided me with the mortgage for my home. The loan officer was extremely helpful and I was able to get me a great rate. I also use the Citibank Platinum Select Elite Mastercard. This credit card has a great mileage program, and I was actually able to buy flights for a wedding next month with the miles I earned from the card. I work in a cash heavy business and the abundance of ATMs in my city make it easy to withdraw money whenever I need to. Compared to other banks I've used in the past, Citibank is a no brainer. I would never use Wells Fargo or Bank of America ever again.
I've been a loyal Citibank customer for over 5 years. I have a checking account which connects to a debit card and several credit cards from Citibank. On the checking account, I have set up direct deposit with my employer. Citibank has never failed to deliver this deposit on time. I have used the debit card overseas and Citibank has one of the finest security systems. There were several occasions where I was immediately notified when I was using my card overseas upon instant transaction. Citibank's mobile and web functions are extremely easy to use and navigate. If there is one thing I wish Citibank could improve on is posting of pending transactions on checking accounts. There are times where the amount is deducted from the available balance but the pending transaction itself will not be posted until one or two business days later.
I have been using a Citibank Money Market account for some time now and it has been extremely useful for my day to day needs. I especially like that the account comes with check writing privileges. This came in handy when I needed to put a down payment on an apartment. I simply wrote a check from the money market account the same way that I would with my checking account. The benefit of the Citibank account is that the interest is better than my traditional checking account. I also have my money market account connected with my savings and checking account with Citt, which means that all of my banking records can be seen at a glance through their online Citi bank portal. All I have to do is log in and the site has all three of my accounts at a glance with easy access. Overall, everything has been pretty simple to use and understand from the web portal to the benefits of check writing.
Citibank has been one of the banks I have used for my certified deposit products. I have used it for about a year now and I am very satisfied. Since opening the account, they have been very helpful with all my questions and getting my account setup was quite easy. I did it online in about 20 minutes, though I did have to upload documents to prove my identity, this is normal in this industry. I think their rates could be a little higher to compete with other large banks, but I am satisfied with the current rates enough to keep my account long term. I am conservative with my money, so their CD product works well for me, knowing my money is safe while growing a little bit eat month.
I have been using Citibank for 2 years now. I have had at least two bad experiences with customer service in those two years. Both times I had to call the help line, the employee was rude and non-helpful. However, that being said, the cool features (like the mobile deposit feature which I use almost exclusively these days as opposed to other methods of deposit) are worth banking there and even though I have had rude 'helpers' from Citi, at least they have the same (if not better) features as any other bank. The fees are pretty much in line with other banks... nothing special. The online services and interfaces are great. The one time I had a REAL problem (three charges to my account that were not me) they worked it out in a reasonable amount of time and didn't make me feel like a criminal, so that's a good mark for them. Overall, I am pretty much satisfied with Citibank and their services. (I have a Citibank credit card too).
I have banked with Citibank before. I hated them terrible customer service, extremely rude tellers. Hidden fees everywhere. Every single employee always acted like it was the worst day of their lives. It got so bad I finally decided to move my money elsewhere.
My experience with Citibank was mostly positive. I banked with them only for a short time while I was attending college. I never went in to the actual bank -- I just used their online interface and a debit card. I never had any big problems with the bank, and they never charged me any fees or anything like that. My only complaint would be there website. It had an unintuitive interface and I often had to try and remember the exact login procedure, because Googling always took me to the wrong login page. It seemed like they had different login pages for different services, which was irritating. I also had some issues connecting my account to Mint, which is very important for me because that's how I keep track of all of my budgeting and track my expenses over time. Overall I would say my experience was just fine, but they could improve with their web services.
I have been banking with Citi for about 3 years now. I have had a checking account the entire time. For the most part, it has always been very reliable. I can always look at my account online and easily see everything I need to. In a couple cases, they have had issues with transactions posting, and I have had to call them. The wait time on the phone is not the most ideal, but I am always greeted with a nice representative, who can help me with my issue. Their banking fees are about average and expected. Citibank has never done me wrong in any case. They have always worked their hardest to keep me happy and I appreciate that. I will continue using Citi in the future, because I have no reason to change. Overall, they are a very respectable bank and treat their customers well, and only have expected minor issues now and then.
I have a great bank, but I heard some awesome reviews for there savings department. What interest me was they have a fantastic interest program, which you can make a good amount of money just saving! The bank was very busy when I showed up, but one of the newer reps offered me some coffee. I think its always a nice touch when they do that. I spoke to a very nice lady that really knew her stuff. Transaction went very smooth and she was able to set me up a savings account in
I established a checking/savings account with Citibank when I went away to college. My primary motivation was to have a large national bank that would have multiple ATMs in my new home that would make it easy to access my money. As an out-of-state student that was most important to me. The savings account was more of an afterthought and I just kept a minimum balance. I believe the interest rate paid on the accounts was minimal, but given the relatively small balances I had on deposit, even a higher rate would not have yielded me much. Overall, the bank met my requirements for accessibility. This also was of some benefit when I was travelling around the country either on vacation or on job interviews. Closing my account when I settled in to a permanent home was painless and the service I received while nothing special, certainly met my expectations for ease and professionalism.
I banked with Citibank for about 3 years. They where ok for the first 2 years, but in the last year I decided to close my account with them because I had my account hacked 3 times in a row and each and every time Citibank made sure the experience was horrific excruciating painfully horrible. On one occasion they allowed someone to empty my account by processing about 50 transaction on the same day. Citibank never called me or notified me and they failed to recognize the transactions where suspicious so they allowed someone to empty my account. Then they actually made me speak to some sort of detective to declare my innocence before they would consider reimburse me for the money they allowed to be stolen. Citibank is a crap bank and no one should ever use them. They are beyond irresponsible. This type of event happened on two more occasions so I closed the account and moved to another bank.
Citibank is like that car you bought ten years ago that's still chugging along: reliable, sturdy, but sometimes you can't help but look at what the guy in the next lane is driving. The customer service is fast and helpful, especially once you get to the upper tier (read: higher bank balances). And the app feels fresh and new. But underpinning this glossy exterior are products that feel stale and outdated in 2018, particularly for millennials. Even as interest rates rise, you can expect to earn virtually nothing at all in return for giving Citibank the privilege of holding your assets -- even at the higher tiers. And in a world where Robinhood has made stock trading free for everyone, Citibank's nickel-and-dime fees seem truly archaic.
I have a checking account with Citi and frequently use their website. The website experience for checking could be improved by making fees more visible. Instead of hidden away in footers and other pages on the website, the fees they are going to charge customers should be front and center on the main pages for your account. It seems like they are trying to hide very important things from customers. Also, the website seems to load slowly at times and I regularly get unavailable messages. The website could use larger fonts in headers. I'd like to be able to submit things in one click instead of multiple clicks. Just overall, make things clearer on the website and quicker to get done with essential tasks. When I need to do something I don't want to wait for the website to become available again.
When I banked through Citibank I had a decent experience with them. The fees on some of their products were a little bit much and their online customer service was lacking a little bit so that's why I ended up switching to my local credit union. Overall, I probably would not recommend them to a friend because in my opinion there are a lot better banking options available that surpass Citibank.
My experience with Citibank has been fine. I had a small savings account with them for a short while when I moved to town. I went in to deposit money in persona few times to the local branch and everything was pretty much fine. The teller I worked with was sort of stand-offish, she could have been more friendly. But most the time I use the website and app, and it is great. I like being able to check my balance and transfer funds on my phone wherever I am. I ended up moving to a different credit union because of my job, but I did really like the website of Citibank. It made me feel like I had more access to my accounts. It was especially good when I was traveling.
I've been with Citibank for a few years now, primarily because it feels like such a total pain to switch to a new bank. I have had mostly positive experiences, but one area in which I think they could vastly improve is their mobile check deposit app. It's too much work to make sure the check fits within the defined parameters on the screen, and you wind up spending too much time fiddling with the placement on the screen in order for it to take a picture. You should just be able to take your own picture quickly, and then the app should be able to scale the check to its own parameters, rather than the other way around. It would just make mobile check depositing that much easier.
I am a professional who began looking at an international banking provider because I was sick of the international fees I was being charged when traveling. Since then, I have moved from Australia to the United States and furthered my relationship with Citibank to ease the cost of working in both countries simultaneously. I initially chose Citibank because of their customer service. Calling was simple - Yes, you can talk to a real person who is knowledgeable and considerate. Secondly, their website is easy to negotiate and simple to join. Their loans are diverse and reasonable. I didn't need to apply for any but I know they are there. Here is one big plus for this bank as opposed to many I have dealt with; they do not call you every second day trying to up sell their products. I am not a financial wizard and I want my bank to be honest, upfront, and not try to hide fees and sneak in new charges. I would recommend Citibank to anyone who has international needs and who want an institution that is easy to deal with but also has all the modern conveniences.
I've been banking with Citibank for almost ten years. I have both a checking and savings account with this bank. They are well known in the Midwest and I have been depositing money and using them for banking for many years. The younger years I didn't know any differently and it was easily to deposit my checks into the accounts and use my debit card. As I got older and moved to the East coast I realized that I couldn't find many if any branches and so it became very hard to deposit checks with them so I had to turn to direct deposit. I have lost a card before had to call their customer service and there was a rather long wait and it was a pain to report it lost. They needed me to send them a copy of a police report and it seemed like a lot of work, but besides that issue I have been happy with them as a bank.
I've had a checking and savings account at Citi for years. They have numerous branches across the US and a presence in many of the global destinations I travel to most frequently on business. Their CD and Money Market interest rates are competitive with other institutions (which admittedly isn't saying much these days) and I've always had decent experiences when I've needed to interact with their Customer Service department. Unlike many major banks, they do not hammer you with ridiculous fees for every conceivable transaction. The mobile and web-based online banking utilities are nothing spectacular (compared to, say Wells Fargo) but they get the job done. Overall, I have been satisfied with the products and services provided by Citibank, and will most likely continue to do business with them in the future.
I've had money on deposit with Citibank for over 10 years. In that time my experience working with Citibank has been positive and I can't think of a situation where Citibank customer service wasn't able to resolve the situation. They offer a wide variety of products with competitive rates which I find suitable to meet my banking needs. Along with a good customer service team they have a good amount of branch offices to meet my requirements both near my home and when I'm traveling. The Citi app for my Android phone makes it easy to find locations when I'm traveling or otherwise need to find a branch office. If I were to recommend a bank to anybody looking to open up a new checking or savings account I could recommend Citibank.
I had a bank account with Citibank some time ago. During the time I had that account I had to do a very large insurance transaction that my local bank refused to deal with. Citibank handled my transaction with no questions asked at all. They accepted the large electronic deposit and allowed me to distribute the fund to where I needed to be with an unlimited withdrawal amount per day and an unlimited amount of transactions per day which is exactly what I needed to get done what I needed to get done. They were so much easier to deal with than my local bank and they were so much more accepting of my situation. Even though there wasn't a physical branch near me they made everything as easy as possible.
I have been a member of citibank for 2 years and I have no complaints. Everything has been smooth so far an i have not had a bad experience yet. I appreciate the help they have given me when I was setting up the account, and I have no reason to have any issues with them. I am not sure if i am receiving the best services and price, because I have not banked with many other companies. I have noticed that I have received more cash back on purchases than I thought I would be. After only 2 years I have saved enough to buy a decent gift for myself or for my girlfriend. I have a credit card which I use on an almost daily basis on small items. I also like how there are many atms around my location. I don't have to travel far to get cash, so I plan on staying with citibank for a while.
I bank with Citibank and having my personal checking account, joint checking account, personal savings account and savings accounts for my kids. My paycheck is directly deposited into my personal account. I their website to transfer funds between accounts and pay bills. I use their mobile app to make check deposits. I find that both the regular website and the mobile good enough to rarely ever visit a branch. I am a long time customer and do not have experience using competitor products, so I am not sure if the web/mobile experience is better elsewhere. However, it works fine and I have not had any problems or issues using them. My only complaint is that I have indicated that if there is an issue with my account, I would like to be contacted by text or email. They will call me and I will usually ignore calls from generic 800 numbers. I wish they would contact me with my preferred method so that I may quickly address any areas of concern.
I've banked with CitiBank for the last six months. The decision to change institutions came when I got engaged. We opened an account with citi while engaged and the name change process was a nightmare. Whereas with my other bank account at Chase all I needed to provide was my marriage cert and new ID, citi required more documentation and took far longer than needed to get stuff corrected.
The fees themselves are standard. My checking doesn't accrue interest like my competitor bank account and there are requirements in order to keep the account free. The overall account experience is okay, not great. The customer service for my bank account is subpar though. Any issues or questions I have, I will call in and customer service can never give a direct answer to me and I wait on hold for a stupid amount of time. The only reason we haven't left Citi is because my credit card is with them and the credit card has great features I'm not willing to give up.
Finding ATMs is also not the easiest. For that reason I think 3/5 stars is accurate.
Overall, their products are standard and their customer service is decent but given the choice, I'd stay with larger banks like Chase where they actively monitor my account and are able to directly answer a question regarding my account.
Citibank is one of my favorite banks. When I lived in Chicago, it was the best bank to visit because the people were so friendly and took the extra time to answers questions and work with me on my accounts. All the tellers were friendly and it felt more like a local hometown bank than a national institution. Unfortunately, I had to move away from Chicago and Citibank doesn't have branches in my state, but I wish it did!
I opened my first savings account with Citi and had no issues. They verified my identity with help from my parents (I was 15 at the time) and I was able to start a modest savings very early. The fees were minimal and I was also able to get some interest on the account. Not much, but more than some banks will offer. Never had any issue with customer service and everyone was always polite.
I have had a pretty good experience with my Citibank deposit accounts. I use these accounts primarily for purchases and online activities. I appreciate how quickly my funds are deposited to my account. And, so far, I have had no major issues. I will continue to use these services, and I will reccommend Citibank to my friends and family members.
I've had a good experience using CITI Bank Corp. Their customer service is quick and courteous. Compared to other banks I have used, I can get on and off the phone to solve a problem with my online banking with them in much less time. I made a mistake in a transfer between my credit card and checking account the other day and would have been charged a fee but when I called customer service they worked with me to refund the fee to my account and also get my transfer to the appropriate account. Also, when I walk into their branch, I am always helped immediately and made to feel like a valuable customer. I will be using CITI for many years to come.
This bank offers the average services for a bank and has been an overall pleasure to deal with. I have spoken with their phone representatives before for both losing my card once which they assisted with me very promptly and from weird purchases on my account. When I went away for vacation they quickly called me and made sure I was actually on vacation so as to verify my card was not stolen and I appreciated this a lot. Their mobile app could use some work however as it is clunky and laggy and that check deposit option can be buggy sometimes. But overall this bank has served its purpose to me. Another thing is their fees which can be a little overboard sometimes but that is also on me for not having enough money in the account at all times possible.
Citibank is one of my best banking experiences overall to this date. The deposits come through very fast, which is very good considering some banks. My experience was near perfect with customer service. I have had it once where a transaction wasn't getting through. I gave CIT bank a call and didn't get put on hold and was able to get the issue fixed within 15 minutes. I have had the bank able to fix issues in minutes that any other bank would take at least 1 hour to fix. Overall their customer service is fantastic. It is an easy and clean experience on the web. They show everything on their website and it's easy to navigate. Best of all their fees. I hardly notice their fees due to how small they take absolutely brilliant of them.
Ever since l opened a checking account with CitiBank, I haven't had an course to regret. I remembered doing an international transaction for the first time from Africa, I was skeptical about it because I was scared l won't get the funds, the transaction was delayed a bit but after contacting my bank, everything was resolved timely to my amazement. I also have withdraw funds from my local savings account into my citi checking account and usually they indicated that the funds will be credited into my account with in 5 to 7 days but l usually receive it in less than 48 hours. I'm so much in love with my bank and no doubts, it's one of the best.
I opened a checking account from Citibank about 5 years ago and it was a pretty smooth process. I liked that I didn't need to have a minimum opening deposit because my prior banks needed about 50-100 dollars minimum to even get started. I originally was with Bank of America and wanted a new bank because Bank of America's customer service was, and still is, pretty poor, in my opinion. Citi greatly improved my overall experience and I love that most banks are allowing mobile check deposits and other phone app features. I also think Citi offers some of the best rewards/perks for their customers and Citi Bank keeps on implementing most of the latest cutting edge features for both your phone/mobile app and your online interface experience.
I have a Citibank checking, a savings and two citibank credit card. Banking with citibank has been good for me. I find that they have great customer service and you can call with just about anything. I once forget to pay my credit card on time and they were able to remove the late charges and the branch is also very professional. If you go into the branch and you need something they will make sure they get it for you. There lines are not long and you can call your personal banker before going in to make sure your waiting time isn't long. I have been with citibank for over ten years now and I wouldn't dream of changing bank.
Citi bank is a good institution
I have being a Citibank costumer for around 10 years until now; I have 3 accounts in the institution, I trust Citibank; it has a good online platform. It is easy to use and overall user-friendly. I just have one problem with the bank, very high overdraft fees. And it is hard to apply for a new credit card. That is why I don't have any credit card.
I started using Citibank for my checkings and savings about 4 years ago and I am overall happy with it. I put a good amount into my checking so that I can have money that is liquids able and I can easily access and spend. I also have a savings CD that I do not have too much money into. It is kind of just a emergency fund because the CDS that they offer earn very low interest rates but have very low risk. I wish Citi offered higher rates with a little more risk but it is only a bank so I understand. I put most of my other savings into investment brokers so I can earn a higher rate on them and save for the future. I have a roth 401k at my other institution that is doing well and I am pleased with it.
I banked with CITI for about 3-5 years while my husband was working over the road. I loved the convenience of being able to use the card in many states as my husband was an over the road driver of our own trucking business. The one thing I looked at as both an inconvenience and an advantage was the company placing holds on the card when multiple purchases were happening in a day in different states. Lucky they would call me and let me verify that it was myself or my husband using the card in these purchases so they would go through but there was one time (the first time it was used) it did not and the card was placed on hold for 5 days. He was stuck over the road luckily with a spare card from another company that he was allowed to make a fuel purchase with. The professionals on the customer service line were very nice but there wasn't much they could do at their rank. Big inconvenience but we got through it. After that things were great. The card was used and transactions were approved at times of use. We did have to put on my file with them that it would be used in multiple states as my husband drives over the road so I think that helped.
I was turned down for my bank accounts. My credit is not great, and I have had trouble with banks before. I went through about 6 banks, one opened an account for me and then shut it down without notice with my money in it. I saw about CitiBank and figured that they wouldn't approve me but decided to try anyways. It was the best decision I have ever made. This is the best bank ever, I now have a checking account with a debit card and checks and have never had a single problem with them,
Using the citibank online account for savings and deposits is a satisfactory to good experience. It has a clean (if somewhat dated) interface and all the functionality required. I have been able to conveniently transfer money in and out of the account and set up bill payments (for utilities and rent) without issue. The chat help feature has been helpful when I have had questions about upgrading my account for new features. I will be looking forward to when they are able to update their interface to something a little more modern with better user interface flow, but am in no hurry as it does what it is supposed to now.
I have been banking with Citibank for 10 years now, my parents banked there ever since I can remember. I decided to go with them as an adult with them due to the satisfaction that my parents always expressed. I decided to stay with them due to the exceptional customer service. The representatives at my location know me by name and make me feel more than welcome, I truly feel like a member there. The accounts that I hold have made me great returns on interest and I have never had any issues there at all. I would recommend this bank, and branch to anyone that was interested, without a doubt. For a short time I held a second account at a different bank and it gave me perspective on just how great Citibank treats their members. Citibank offers great accounts for children as well, I currently hold savings accounts for all three of my young children that are building great interest for their future. So not only has Citibank catered to my parents, and now me, they are catering to the third generation in my family. I suspect that will continue on down the line.
The bank is average, I like how I can do everything online, but do not like calling customer service. I think there should be a person answering the phone, to transfer me to the correct dept, instead of trying to navigate the phone menu. I find that annoying, and its not just this bank, but most bigger banks these days. I have checking account and a credit card through them. I think they also offer loans at competitive interest rates compared to the rest of the industry. I have not had a loan through them, but I do check on the rates periodically. If it's convenient I would recommend the bank to others, but I would not go out of my way to use them.
I have went through many different online only banks. I had some who I opened accounts with and then once I had money deposited into them they closed my account and took my money. Citibank is totally different from these companies, they have been quick to get me a debit card and check book. Their customer service is outstanding.
I have a savings account with Citibank. I have not been with them very long but I switched to them from Wells Fargo. Citibank customer service is better when it comes to helping customers over the phone than Wells Fargo was for me. They shipped me a new card out much faster when I lost mine last time. Also their mobile banking is easy to use and has more options of things to view on there without using the full site. I like that on Citi the amount you have to keep in your savings is low because sometimes I need to take money out but do not want to close my account. I plan on adding more services to my account since they seem to fit my needs financially.
I initially opened an account with Citi Bank because a family member recommended it to me. I liked that there was no minimum deposit to open my account. In general I don't have any major complaints about the bank. The website is easy to use and I can easily move money between my accounts, which was a big selling point to me. However I can't say there's anything especially wonderful about them that stands out from other banks. It's a basic bank with solid account services and good customer service. I haven't had any problems but I haven't had anything amazing happen either. In general however I am happy with the service. The website functions well and I am able to talk to someone when I have a problem and need to call in, which has only happened a few times. I think the fees and whatnot are reasonable, everything is market standard. I would recommend.
This bank is very fast and useful for me since I can carry out all my needs at any time and in any place without many impediments, I can check my account and make transfers at any time of my day to day, since the accessibility is very easy And fast, do not ask for many security requirements and somehow I like this because I am always very rushed in my affairs and I need to develop quickly when entering this bank and use their services, I can also pay for the services I use In my house and a % of very good savings for the client. I really do not demand much more from this bank, it is practically perfect for me, it adheres perfectly to all the steps I want to take when I enter your website. It's a very different bank and very useable.
Citi had a promo for opening a SAVINGS account. I fill out the application providing all information and accepting terms. I get an e-mail 3 days later turning me down for a bad credit rating. First, I am not applying for credit, I want to put money INTO their bank. Second, I do not have bad credit as I have zero debt or late payments. Now they have all my personal info and turned me down for what ? I even have a credit card with them so they know I have good credit. The promotion is a scam . I even replied back to them with no response to my reply. They must sit on their brains.
This is the best bank I've ever worked with hands down. Other banks I've dealt with have been beyond terrible (looking at you Wells Fargo). The customer service is always trying to help me and the bank gives me the tools to make my life easier with their website and mobile app. I couldn't recommend this bank enough. Opening a savings and checking account has never been so easy and painless. Depositing money and withdrawing is also a very easy and fast process.
Overall, my experience with Citibank has been overwhelmingly positive. I have banked with them since I was 18 years old, which was 12 years ago. As technology has improved, Citibank has been quick to adapt. I was among the first in the United States to receive a secure debit card with a chip in it. Citibank was also one of the first to offer free mobile deposits for checking. Depositing checks on mobile devices is very quick, as it often posts the same day if I complete it in the morning. The wait time to get a hold of someone on the phone is usually very short. My only complaint about Citi is the cost of the checks. I go to a 3rd party vendor to save money on my checking costs. I do enjoy that the branch has hours on Saturday as most banks in my area do not.
Citi bank is a decent online banking experience. I opened a basic checking account with them and it took them about 2 weeks to send me my card and checkbook. Money that I transfer from other accounts is wired pretty quickly usually within 2 business days and is available for withdrawal. My account is easy to access and the mobile app is pretty efficient too. The mobile snapshot on the app is useful as well allowing me to see my balance without the hassle of logging in. So far I have used my account for both online and in store purchases with very little problems. I am overall very happy with this bank and will probably look into opening a savings account with them soon.
I opened my Citibank checking account when I was 20 years old. I chose it because the branch was directly across the street from my law school. They were so friendly and helpful and explained everything to me (and there was lots to explain to my 20 year old self). I am now 41 and still have the same checking account. Over the years, Citi has changed their policies and tried to assess fees just for keeping your money with them. Every time I went into a branch to complain, they reassured me that my account was grandfathered in and no fees would apply. One time, they showed me how to set up bill pay to avoid fees. And now I use PopMoney all the time. It's so easy to send money to people. I like Citi a lot.
As an international traveller I am finding my experience with Citibank has been quite positive. I get monthly updates sent to my phone to let me know of my current balance, which is password protected and I also have access whenever I wish when I go online. Transferring funds between my other accounts to this one or using these accounts at Citibank to pay bills has been very user friendly and I have not had an issue to date where I can fault them. There online service is easy to understand and they have a good directory of services to help you should you have any issues that can't be dealt with at that given time. I would highly recommend them. And I am advised via text alert if there are any suspicious events occurring with my account which is always a bonus, especially being overseas on trips.
The worst bank ever! Your money is unsafe with this bank. When you have a hard time and ask this bank help, they will make your situation even harder, and they will try to cheat you if they could. So don’t have any deals with this bank even if it close to your house. If you are already a customer, leave this bank as soon as possible before you get in a hard time and this bank will take advantage of you! I had an account in this bank for more than a year and this is what I’ve experienced. Someone took about $300 from my account in Japan without my card, so don’t be impressed that this bank says that we have secure cards. The account security is so weak that hackers don’t need you, not your card for grub money from your account in this bank. And security system is so stupid that it can’t figure out that if I pay with this card a few hours before in Miami I can’t be already in Japan. And after I reported this fraud to the bank, they said that they will investigate this problem and if all is OK I’ll get refund within 10 business days. It sounds like this is my problem that Citibank gave my money someone in Japan! And I guess I’m lucky that they didn’t take all my money because it would be hard to be without money for 10 business days! And they try to cheat you if they can! For example I pay nothing for use my debit card if I make at least one registered transaction, otherwise, I have to pay $10. So I created an auto payment for my phone so I didn’t worry about this. But in several months I saw that I was charged $10 as monthly payment. I contacted bank through chat but they said this is because your money was sent later, so it wasn’t in my cycle period and refused to refund me my money! Like this is my problem that this bank sent it later though the money was available on my account. It was the auto payment, so bank sent it itself! And only after I called in bank did they refund me the money. And the worst thing from this bank is that if you have a problem getting your money and ask Citibank to help you with this, they will make your time harder. So my recommendation is to never have any deals with Citibank and if you already customer of Citibank leave it as soon as possible for you and your money safety!
I chose Citibank because they have a presence with multiple locations all over the US. Due to the money laundering issues and other organizational issues. I don't feel comfortable with my money in that bank. So now things take forever to get done or even get an answer.
It just seems like procedures aren't up to snuff they don't keep up top of issues. They leave customer service to handle all of the questions. You never get a firm answer.
Customer Service is excellent. I'm not sure about the branches though. Yet there system and how they do things and how they follow up is frustrating. Seem like the infrastructure is not there.
I have found that my relationship with Citibank has been good thus far. I get a monthly statement emailed to me, which is protected by a password that I have generated and it is clear and concise and makes access available to me at any given time. I am sent emails informing me of seminars and educative workshops coming up that are run by the company to help me in issues with savings and how to take advantage of services offered by the corporation. I have found this to be quite unique and am impressed with this available information. I have yet to take advantage of them to date but it is refreshing to know that I have options. I have not had any issues in regards to deposits or transfers and everything has been very satisfactory and in accord with what I would expect. The staff are always pleasant and very willing to help with any questions or concerns or are able to point me in the right direction with any queries that I may have.
I have to say that Citibank has been the best bank that I have ever had the pleasure of dealing with. I use the branch in Plantation FL and I have to say that the people that work at this location are the best. They always know your name and great you when you enter the building. They are always eager to help you with your needs. and they are never in a rush. The website for Citibank is easy to navigate and use. Whenever I have had to call the 800 number for customer service they have also been as helpful and professional as going to the local branch. I have always recommended Citibank to my friends and family and will continue to do so because the professionalism, products and services that Citibank provides are unbeatable in my opinion.
Banking with Citibank is very easy. I would like to share my experience wherein our account was used by some fraud person to make payment for online purchases, twice. As soon as we got a message about it, we immediately called customer care. They asked us a few details, and they told us that it would be resolved soon. They told us that they have to block our card so that further transactions don't occur, and they would send us new card. They refunded the fraud transaction amount. The process was very quick, and they were very professional. I would recommend this bank to my friends and relatives.
Just spent 1h on the phone with EVERYTHING but useful. One of the reps didn't even know what a Citi Prestige Credit Card was. Nearly impossible to get someone on the phone if you don't have a Citibank account, also, which is kinda funny I guess they don't want new customers. I was to go with the Citi Prestige CC, but I might stay with my good Amex Experience and apply to their Platinum Card instead then....
I have been a customer with Citibank since I was old enough to have a bank account. They offered a great starter account that was joint savings and checking several years ago. I haven't wanted to change since and even had my husband join in the account. Unfortunately, interest rates overall (not specific to Citibank but general to almost all reputable banks currently) are so low, it doesn't make a whole lot of sense to shift money into one of their other products such as a CD. However, my husband and I did look into this at one point and we had a live human being help us right away and lay out the terms and rates and answer all our questions very clearly. They have a lot of good literature and well-designed informational pamphlets in their branches. I recommend going into your local branch and checking them out and you can get a sense for yourself whether this is the right bank for you.
I would say I have had a wonderful experience using CITI Bank. I especially enjoy the mobile app I have downloaded on my Android device. I can access up to seven years of statements and this was helpful when i was purchasing a home because the mortgage company requested several years of banking history. Also another big thing I've seen many banks offering is the mobile check deposit. I have sued this feature and I found that the app works great but I had issues while taking pictures of the front and back of my check. I kept getting errors and had to take many pictures before they were accepted by the app. I know on the commercials it looks so easy, and it should be easy, the app is set up quite easy, I feel this was just my camera and having bad lighting. The mobile check deposit didn't work or go as smoothly and quickly as I though it would. I do love their website as well as the mobile app as I feels it's user friendly and easy to maneuver and find anything i'm looking for on their website. I am lucky enough to have a credit card with them as well, so what's great about that is when i'm on my app I can click a button that says pay my credit card and it allows me to make my payment, without having to leave the screen or go to a new app or website. I have also set up notification one time when I paid my plumber a check I set up a notification for when he cashed it. I also set up a notification when my income tax was getting deposited. It's nice to be able to set up these updates especially when waiting for a check to clear. I have set up direct deposit and a auto pay to avoid the $12 monthly service fee. I do think the fee is higher than most banks but it's nice that I had the option to set up direct deposit and auto pay to avoid the fee. Another nice service they offer for customer like me with credit cards is I can ask them to reissue a credit card, or even activate a new credit card right through the mobile app on my phone. I love that they offer so many great things I can do with my phone. I feel this is the way of the future technology is everything, and Citi is definitely keeping up with the future of technology and all that they offer. I have recommended them to my friends and family more than once because I just love all the features I get right on my phone. I also like I was able to go paperless with my monthly statement so i don't have to worry if it got lost in the mail. Now I get an email every month, and there is a link in the email I click on that takes me right to my statement. I have email on my phone, so I did have to download an adobe reader app to my phone I found this out the hard way as the first time i tried to do it I couldn't get the statement to open. I love that I can access all this information right from my phone, and that I am helping save the environment because they're not cutting down trees to send me a monthly statement. They do offer many different types of checking accounts I just have the most basics but there are so many options especially if you're someone that keeps a higher balance, unfortunately I am not. The interest rate is pretty low only 0.01% so I'm not making much in interest but again I keep a pretty low balance, and they do have options for people that keep higher balances. All and all I would say my experience with their banking and their credit cards have been quite nice.
I have a savings bank account with Citi for the past 4 years. It is linked to my salary account, my insurance is auto debited from the salary account and I get a great rate. From my perspective, it has the most convenient online platform, all in one place. We never have to rely on interacting with the bank representatives on a daily or even monthly basis. The online and mobile platform is clear, unambiguous, informative and good enough to carry out 95% of the day to day transactions. I have not felt a great deal of transparency in the life insurance plans that Citi offers along with its salary accounts, I haven't been able to see the total premiums paid, the accumulated interest and stuff, but when I raised the concern, the bank staff's were polite enough to send out the detailed statements, month-wise. The interest rate offered on the savings bank account is quite good considering the fact that the savings bank account has rolling money in it. Overall, I am a pretty satisfied customer for the past 4 years!
I have been with Citi for over a year now and I can say that it has gone fairly well. I have two other banks one is bank of america and the other is navy federal which is a credit union and not a bank. I have been with bank of american for about 2 years and compared to Citi, Citi is much better. I will start with the mobile app that Citi has. I never have any glitches when I use the citi mobile app, I always like that when I log into the citi app it tells me the last time I was on with the date and time stamp. I enjoy that it directs me to all my accounts without taking too long to load or having a glitch. When I pay my citi credit card bill the credit is almost instantly given back to me. The only one complaint that I would have is of course the customer service waits can be a bit long, however when I am greeted it is by a warm and friendly person. Another complaint I have is when I get gas on my credit card it can take up to two weeks for the final payment which I am not sure if that is the banks fault or the gas stations. The citi website is easy to navigate to and I even like how it has a nice layout. The fees are not bad at all compared to bank of america and I also have a credit card that I do not have any interest till 2017 and I have a larger credit limit. All in all I have enjoyed citi and I plan on keeping them. I also like the debit card and even when I lost it customer service helped me to replace it and it arrived less than a week later.
Citi Bank is a great bank because it has convenient locations all over the United States.It serves a very large population in my local community for a very long time.They provide excellent customer service and public opinion.They have a wide variety of services that meet the needs of all people.They continue to provide great services and new innovation throughout the U.S.
Deserves a no star rating. They changed their policy's on April 17th, how does ZERO funds availability even on a payroll check. Unbelievable. If paid on Friday, not available (and only $200) until Tuesday morning. This policy is also effective on business accounts that have been open for even 2 years. They also shut down major branches, decreased hours and closed many on Saturdays. I'd rather have no bank than this bank. Screw this bank. They just lost a customer and 4 accounts.
Site looks okay but it seems a bit laggy. The customer support page is iffy and there are so many different numbers. I guess that could be a plus. They have a variety of goods/services available. They have barely/no mobile apps available and that is pretty saddening.
To put my feelings into the vernacular, this bank SUCKS. I have now notified my representative (who is ourSpeaker of the House) the attorney general of the state of OH, and am working on various banking associations. What CITI is doing is simply illegal. This came to my attention about 6 months ago when CITI bgan a relentless calling campaign to me. The deal was that Icould transfer any amount of money from another credit card or simply call it an INTEREST FREE LOAN for 13months. I pay in full each month and have an excellent credit rating and history but I am not stupid either. 13 months of using money free was not a bad deal and up front costs were minimal-maybe $300 for a $10K transfer. Again--no interest. however, when I received my next month's statement (which I pay in full to avoid any interest,)I see a $50 interest charge. I called (Bangladesh or India) and said--"WHOA- I paid for all of my charges in full, on time, and added $1000 in order to begin the elimination of the free $10K." I was told the interest charge was an error. next month, same thing. and then the third time, I went thru channels and got a CITI BANKER who explained CITI takes your payments and applies it to the outstanding (interest free) amount FIRST, and then with the remainder charges interest, so this 3rd time, my interest was $3. since then I have stopped using my CITICARD totally..The point is: THEY CHARGE INTEREST TWICE: FIRST ON THE AMOUNT THEY SO ENCOURAGE YOU TO TRANSFER, then THEY CHARGED A SERVICE FEE FOR DOING SO, and THEN THEY CHARGE INTEREST AGAIN ON THE UNPAID PRINCIPAL WHICH would mean a monthly payment EVEN IF you don't charge anything. AND TO THINK I DID THIS TO GET 10,000 MILES ON AMERICAN. ok, I am stupid. But this is illegal
I have personal accounts with Citibank. I like their website okay. Some features are helpful, like the expense categorizer tool. And I often use the e-bill payment option, which I assume is standard with all banks. I also like that I can nickname my accounts so I don't have to remember which account is which.
Now, I just opened a Citi business account and after going through all the extra security measures to sign on with a token at www.citibusinessonline.com, I was taken aback at how crappy the look and feel of the Citi business user interface is. It looks like a grade school project. There is hyperlinked text for everything, no graphical buttons. It takes about 4 clicks just to get to see your account's transactions. 4 clicks!! On the personal Citibank site, you sign in and you get presented with an overview of all your accounts right from the get go. But the business online experience is a totally different animal. It looks like it was done in the 90s and then never updated again (It still uses frames, which are no longer supported in HTML5).
I called the Citibank Business department and very politely let them know that I feel I've been suckered into using Citibank for my business needs because they sell you on the regular Citibank website that has all the bells and whistles. I spoke to a supervisor and he spoke to a level 2 guy, but at the end it was just "thank you for letting us know."
The sad part is that I get charged $20/m for the business account (my personal accounts are free). For what? For a lousy, half-assed online experience? Citibank pays its CEO millions of dollars but it can't even allocate the funds to get a web development/design team together that replicates or improves upon the personal Citibank website? I am very disappointed in Citibank. What we need is a company like Google to start a brick-and-mortar bank and shake things up in the online bank user experience field.
I have had a horrible time trying to make payments onto the account I have.
First off, we purchased my engagement ring at Fred Meyer Jewelers. Who are awesome and amazing! Unfortately Citi Bank screwed the pooch with Fred Meyer and they are no longer using Citi Bank.
This is where my issue started... I tried and tried to make payments on my account by the deadline and their electronic check hotline would always say that they accepted the payment and three or four days later it would be returned. I would then call and speak with a representative who would give me the run around for about 45 mins till I was blue in the face. Finally I would get a manager who would be able to assist me and not have to speak off a script and yet not all my questions would be answered.
I have tried 4 more times between calling and than be redirected back into their electronic check hotline to by a representative because I said I did not want to be charged the $14.95 fee for having a representative assist me with payment. I was only talking to them because their hotline kept giving me an error of" Sorry could not process that requested, Please hold one moment for a representative..." and I would then again I would be speaking with a representative who couldn't take a payment without charging me the $14.95 fee for payment. Yet their system wouldn't accept payment.
After playing this game for about 5 rounds... I got a representative who directed me to their website to make an online payment. At this time, I am thinking.. "Awesome! I can pay off my $1100 remaining balance!" Unfortately it would not allow me access to make an online payment but then direct me to speak with a representative again.
How in the world is a card holder suppose to make a payment if the customer service/billing will not accept payment without adding another fee onto the account.
I have found thier games to be ridiculous! Frustrating and right now mad hatter style.
STAY AWAKE! FAR FAR AWAY! GO WITH ANOTHER COMPANY FOR ANYTHING AND EVERYTHING EVEN IF THEY HAVE HIGHER INTEREST RATES!
I bet you would get better customer service and assistance with any of your banking needs!
I will start by saying, i would give zero stars if i could. This is the worst bank with the worst customer service, down at the bottom of the list along with BOA. Dont even think about joining Citi unless you want to here that there is nothing they can do at the moment. I have beenput up with Citibank for 6 years and I am done. Chase bank is now 1 person greater. I posted a recent conversation i had with a rep so see for yourself. They dont even know the answer so they feed you crap.
Moises: Welcome to Citibank's Online Chat. My name is Moises. It is an honor to assist you today!
YEZENIA: Thank you, I am online to view my bank statements from Feb 2011 to October 2011 and i requested them yesterday. It then stated they would be available the next day and they are not. Can you help me?
Moises: I am sorry to hear that. I will be happy to assist you.
Moises: Did you go to the account section?
YEZENIA: Account section then statements
YEZENIA: Yes, and they are not available.
Moises: Does it have a Message saying why>
YEZENIA: No it simply shows the statements that are available which i already downloaded however the ones that i need are now telling me, once again, that they will be available the following day, tomorrow
Moises: I am sorry about that, you can request form them again, I can also do it for you however we will have to wait for them either way. I apologize for any inconvenience this may have caused you.
YEZENIA: Okay, well I need them today which is why was happy that it said yesterday that they would be available the next day. What other way am i able to request them because if the message stated when I would receive them then your company must follow the information given to me.
Moises: I am sorry if they are more than 90 days old there is a 24 waiting period on either end.
YEZENIA: Okay and does your message state that? No. The message stated that following: ordered for next business day. With that said they should be accessible at this point.
Moises: It is possible that the system had a glitch and the statements were lost. I apologize about this inconvenience. They would have to be reordered.
YEZENIA: If i did not need them i wouldn't mind wwaiting another day, but when I am told something by a company then I expect it to be done as said. A glitch is not my problem, that fault is on citi. I need my statements as i said when i was told they would be available which is today.
Moises: I am sorry about that. I can request that they be mailed out to you as soon as possible. I can waive the shipping fee.
YEZENIA: Do you realize that mailing something takes a longer process? There must be a way for them to be emailed or faxed over even if it is not your protocol to do so. There was an error on your company's end and i should be provided with my request by your company in any way possible if your ccompany cares.
Moises: What time did you order the statements?
Moises: If the order was placed after 8 ET it will take longer since it was past the cut off time.
YEZENIA: I am not sure of the exact time, after 5:30 PM PST, so most likely around 6PM.
Moises: That is 830 PM ET
Moises: The statements will be available for you to view by tomorrow.
YEZENIA: Okay, now where on your page does it state that?
Moises: When you place the action it is stated on the fine print at the bottom of the conformation window.
YEZENIA: NO, there is no fineprint except terms and conditions, I read fine print if it is available and its not. I actually just requested it again just to make sure so the statement you just made to me is false.
Moises: I am sorry about that. I know changes have been made to the site. I have looked up the cut off time in our systems and the cut off time is 8PM ET.
Moises: The statement will be available tomorrow. If you requested it again just now it will not be available until Monday. Saturday and Sunday are Non Working Business days.
Moises: When you send a request some ones has to go and physically pull the files up. They leave at 7pm CT 8pm ET.
Moises: If the order was placed after that time they will not get the request until the next day Thursday, making it available on Friday.
YEZENIA: and that is my problem that changes have been made? It did not say it yesterday either so like i said before that is your company's fault. There is a very basic statement given which i already told you about and i simply want what is rightfully mine. My request was made and a response was given so I expect it to be completed as i was told.
YEZENIA: Im sure there are plenty of supervisors working with you, or at least someone with enough common sence to know how to pull up files and send them to me.
Moises: We can not pull them up.
Moises: Not even a supervisor.
Moises: The statements will be available to view tomorrow.
YEZENIA: So what is the point of your supervisors? To litterally watch their employees of citi bank tell their customers tat there is nothing else you can do? I have heard that plenty of times from your company. I want my files that i was told would be available today.
Moises: Some one has to pull them out of the archives. That takes 24 hours. Today the order was processed and will be fulfilled by displaying them by tomorrow.
Moises: The order was placed after the cut off time.
Moises: It is out of our hands.
Moises: It was just processed today and will be delivered by tomorrow.
Moises: They will be available by 6 am ET.
Moises: That would be 3 am your time.
YEZENIA: You just stated earlier: Moises: The statement will be available tomorrow. If you requested it again just now it will not be available until Monday. Saturday and Sunday are Non Working Business days. and you knowing i just requested it again are telling me tomorrow? I feel that you have no knowledge of what you are even saying.
Moises: The original request is still going to be fulfilled. They will be delivered tomorrow. The statements requested only have a 1 day life span after that they are deleted. The second request will be fulfilled by Monday if you do not check them by tomorrow.
YEZENIA: Whatever, I am not going to keep trying to get them from you, apparently they hire the best people full of crap to tell their customers, just like the phone reps do when i have called about issues with my account. Thanks for wasting my time and have fun getting paid to tell everyone that you cant assist them.
Moises: I am sorry you feel that way. They will be there tomorrow. Can I help you with anything else?
YEZENIA: Yes, let your supervisor know that this chat will be posted on your reviews so everyone thinking about joining citibank will think again.
This is by far the WORST BANK that I have ever encountered. I had a mortgage with them, but could not pay it online unless I had a bank account. So I signed up for a savings and checking account. Then I get a notice that I will be charged a $20 monthly service fee, if I don't transfer $15,000 into my account. So I called to cancel my accounts. The Citibank rep told me that if I cancelled my checking and left the savings open I would not be charged. Not so. I was charged $40 in service fees. When I called to try and remedy the situation, I was stonewalled. When I asked for a manager, I was transferred to the call center for Chinese speaking customers. I was finally told that it did not matter that a Citibank rep lied to me. They will not credit my account back the money. The reason why, "because." WOW. I had records of the calls and everything they just don't care. They just wanted their $40. I am sure it was a very important $40. I would worry about their stability as a bank if that is the case. DO NOT DO BUSINESS WITH THIS BANK YOU WILL REGRET IT!
AVOID CITI PROMOTIONS AT ALL COSTS!
I AM SOOOO FRUSTRATED I'M READY TO GO POSTAL ON THEIR MARKETING DEPARTMENT! I JUST FOUND OUT THAT AFTER GOING THROUGH THE HEADACHE OF APPLYING FOR CHECKING ACCOUNT (WHICH WAS A NIGHTMARE PROCEDURE EVEN THOUGH IT WAS ONLINE), AND DOING EVERYTHING THE THANK YOU POINT PROMOTION REQUIRED, THERE IS "FINE PRINT" WHICH WAS NOT EVEN PRINTED!!!!! E.G. YOU'LL HAVE TO WAIT 90 DAYS AFTER MEETING ALL THEIR REQUIREMENTS!!!!
I'M PULLING MY HAIR OUT!!!!!!!!!!
TO MAKE THINGS WORSE, I JUST GOT A LETTER IN THE MAIL THAT THE BANK HAS "MADE SOME CHANGES" WHICH WILL MEAN I'LL HAVE TO DISH OUT $20/MONTH UNLESS I MAGICALLY COME UP WITH $15,000 COMBINED DEPOSIT.
OK, NO PROBLEM, LET'S CALL AND SEE IF THEY HAVE A DIFFERENT PRODUCT THAT WILL NOT REQUIRE THIS MIN. DEPOSIT.... YES, THEY DO. OK, LET'S SWITCH. WAIT... IF YOU SWITCH, YOU'LL LOSE THE OPPORTUNITY TO GET THOSE THANK YOU POINTS, EVEN THOUGH I JUMPED THROUGH ALL THE HOOPS THEY SET UP!!!!
I've heard of many "scary" stories of Citi offers and promos gone wrong. Occasionally, I've been victimized by these myself too much more than other banks. I'm closing my Citibank.
For example, last night I only wanted to add my new Citi Platinum Select Mastercard on CitiCards.com, then I ended up losing 2 favorite login or user id because Citibank confused and lured me to link my CitiCards account to my Citibank checking account - rendering my old credit cards access - non-functional.
Beware of Citibank's confusing offers and promos. You may end-up like me who spent about 2 hours fixing the mess and losing 2 favorite CitiCards logins just because I want to add my new Mastercard to my existing web access.
I've talked to 5 representatives before talking to somebody helpful. I just spent an hour setting up online registration, something that should take 5 minutes. I had one representative tell me I would need the last four digits (ext.) of my zip code to register, nobody even knows that information. I had another representative give me a phone number to a machine that told me everything I already knew and that would not quickly connect me to a different representative (I didn't try very long due to frustration).
Citibank should be boycotted because of their high interest rates, absurd fees and and complete lack of regard for their clients. They will ruin the credit of customers in EXCELLENT standing, by making decisions that they refuse to justify. I am totally fed up with this poor excuse for a bank and the incompetent management who took billions in bailout money, and paid huge bonuses to the executive buffoons, when they should have been left to crumble. And now they continue to turn their backs on clients. Thats what the goverment should have done to them, and hold senior management criminally responsible.
I am a former college student and single father. I graduated college over 3 years ago and have yet to aquire a job in my field. On the contrary, I do have a great job not in my field, but I could easily make more with my degree. However, jobs in my area are scarce.
I have made most of my student loan payments on time and my account is current. I owe $47,000 in student loans but I only make $30,000 a year. I have been on the phone with Citibank to discuss repayment options but they are very rude and refuse to work with me or meet me in person to discuss my loans.
I owe tens of thousands of dollars for my education and they will not even meet with me. When I call, almost all of the time the customer service reps are rude and very condescending. I do not have any other accounts with Citibank, but the way they have handled my student loans I will never ever use them for any kind of other financial services.
Citibank only cares about making money and could care less about their customers :(
Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 Fees if you don't maintain a high balance.
Fees to use ATMs. Citi hardly owns any ATMs; I don't understand how they can get away without reimbursing the ATM fees.
Fees to get checks.Fees for everything you ask.
Promises bonuses like $100 or $200 to open account, but you need to go through a million hops to satisfy the requirements, wait 6 months and then if you are lucky you may receive the promised bonus. 99% of the time, you need to be behind them after the 6 month period is over to get anywhere with those promised bonuses.
Rates suck, any credit union rates are much better.
Credit card department is different from banking department and they don’t care about each other. It feels like you are dealing with two different banks even though they are the same.
I had a Citi banking account for 4 years from the time I was 18 till I was 22. The online system and bill pay were easy to use and navigate, unfortunately my overdraft fees were 43 dollars each time, ridiculous. I am not rich or perfect with accounting and tend to overdraft my account a few times a year (my fault totally), but then on top of that they decided that my direct deposits and online bill pay were no longer accepted to have free checking. Instead, I had to have a minimum of $6000 monthly balance to receive free checking. I am sorry, I am not rich, I make 6000 every 2-3 months. I do what I can a month then they want to take another $7.50 from me because I don't have a lot of money. It was not good enough for them to have a Citi financial loan and a credit card through them, paying interest and fees, but they wanted to take my other money to live on.
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