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Citi Small Business Checking Summary

Simple, smart solutions for your business

Reviews 326

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Citi® Small Business Checking

Poor

Reviews 326

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Michael Graw

Jan. 17, 2023

2 min read

Citi® Small Business Checking Summary

Citi is the online and mobile banking platform from Citigroup, one of the “Big Four” banks in the United States. Citi offers most of the same products and services found at thousands of Citi branches in the U.S., along with a stack of dedicated online features. With basic and premium checking accounts, Citi appeals to a broad audience of online banking customers.

Pros

Minimum $1 deposit to open an account
Options to waive monthly account fee
High monthly transaction limits

Cons

No free business checking accounts
Cannot open an account online

This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by Citibank.

Citi® Small Business Checking Visit Citi Business

Advantages Over Traditional/Private Checking accounts

Citibank business checking accounts offer high monthly transaction limits to suit the needs of your business. The Streamlined checking account offers 250 monthly transactions and up to $10,000 per month in cash deposits, while the Flexible checking account offers 500 monthly transactions and up to $20,000 per month in cash deposits.

You can open a Citibank business checking account with as little as $1. In addition, the fees for the Streamlined and Flexible accounts are waived when you have a balance of at least $5,000 or $10,000, respectively. The Streamlined account costs $15 per month. The Flexible account costs $22, $25, or $30 per month depending on your location.

Citibank also offers an Interest checking account, which earns interest on your cash. Interest rates and monthly account fees vary by location, but the monthly fee is waived if you have at least $10,000 in your account. The Interest account costs $22, $25, or $30 per month depending on your location.

Citibank is currently offering new customers up to $2,000 when you open an Analyzed Streamlined or Flexible business checking account. To qualify for the offer, you must be a new Citibank Retail Business Banking customer and make a deposit of at least $5,000 within 30 days of opening your account. You must maintain the balance for 60 days to earn the bonus.

Cutting-Edge Banking Services

All Citibank business checking accounts include access to online banking, bill pay, and account alerts. Citi also has a mobile app to enable deposits and transfers on the go.

One of the unique aspects of Citibank business checking accounts is that they integrate with Citibank’s Checking Plus program, a revolving business line of credit. You can use this line of credit to automatically pay overdrafts or bills.

Traditional Banking Services

Citibank has more than 700 physical branches throughout the US and more than 60,000 fee-free ATMs. The bank offers a wide range of traditional services including credit cards, personal checking and savings accounts, CDs, mortgages, and a self-directed investing platform. Citibank also offers small business loans.

Current Promotion

For a limited time, Citibank is offering new business checking customers up to $2,000 when you make a qualifying deposit of $5,000 to $200,000 within 30 days of opening an account.

Customer Service and Online Experience

Citibank offers 24/7 customer support by phone, email, and live chat. You can access live chat online or through the Citibank mobile app. The customer service agents are helpful but not always very knowledgeable, and you may be on hold for a long time if you contact the support team by phone. You can also get help by visiting any Citibank branch.

The Citibank website has a detailed online knowledge base. The knowledge base is well-organized and searchable, making it easy to find the information you need.

Importantly, you cannot sign up for a new Citibank business checking account online. You must call or visit a branch to set up a new account.

Mobile App

https://www.youtube.com/watch?v=YMddKCiSqjk

Citibank offers a free mobile app for iOS and Android. It enables you to view your transactions, transfer money, and deposit checks to your business checking account. You can also use the app to manage your online bill pay or to access your revolving line of credit if you have one.

Security

Citi uses 2-factor authentication, biometric authentication, and 128-bit SSL encryption to protect customer accounts. You can instantly lock your account from your online dashboard or the Citibank mobile app. In addition, you are not liable for any unauthorized transactions made using your business checking debit card.

Summary

Citibank offers business checking accounts with up to 500 transactions per month and up to $20,000 in monthly cash deposits. You can integrate a Citibank Checking Plus revolving line of credit as well as pay bills online. For a limited time, Citibank is offering new business checking customers up to $2,000 when you make a deposit of $5,000 within 30 days of opening an account.

Conclusion

Citibank has more than 700 physical branches and 60,000 ATMs across the US, and you can monitor your checking account on the go with a free mobile app. You must visit a Citibank branch or call customer support to open a new business checking account.

Citi® Small Business Checking Visit Citi Business

Editorial Note

Any opinions, analyses, reviews, or recommendations expressed in this review are those of the author’s alone and have not been endorsed by Citibank.

Written by

Michael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Trustpilot reviews

See what some customers are saying about Citi® Small Business Checking

Poor

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Reviews 326

Excellent

Average

Poor

Bad

94%

anthonys’ honest review

25 days ago

So far so good

So far so good, easy as 1, 2, and 3 to apply for a checking account their website is user friendly and the Citibank app is cool and Easy to navigate through

irma klj

4 days ago

I used city bank credit card USA when I…

I used city bank credit card USA when I visited Indonesia. It was declined and I used other credit card. However, it charged me still with the amount that was not even alligned with the purchased I was declined. I desputed and explained everything to the dispute centre, it still charged me. Customer service and dispute centre really dont help. They are awful. If possible I do not even want to give 1 star.

koby cox

6 days ago

Violated cardholder agreement

Citibank denied a dispute despite evidence being given to them that the cardholder agreement had been violated by merchant. When Citi says you will not be held responsible for unauthorized charges do not expect that to ever be true. You are NOT safe with Citibank.

chris walden wince tofoya

7 days ago

citi allowing people to fruad you

if you make a purchase over 100 dollars and you dispute it even with all the evidence in the world you will not win they dont investigate and always find for the other party becuase they send all investigation out to a third party thats suppose to be in partial but thats not true citi bank is failing everyone is the dispute department this should be illigal your bank is suppose to protect you but citi dosent care at all even banks like bank of america do there own invetigations on disputes not send to a third party what a horrible bank use to love this bank but dont dispute anything you will be wasteing your time.

trevon murtaza

8 days ago

Hold out on closing your account and hold your money

Initially, I didn’t think they were a bad bank. I just found a bank with more physical locations near me and that has better rates…I requested for an account closure, and my oh my has it been hell. I requested it in March…it’s now September. They told me back in March it’ll take 30 to 60 days for them to close the account. Okay, not a problem. Called back in June, still not closed…Called back in August; Still not closed…now when I called back three days ago they say that they have sent an expedited request for closure to the back office and to check back within 24-48 hrs. Wait 2 days, get the same response, called today and the same response. Just give me my $500! It’s been almost 7 months. Chime, Varo, and so many non traditional banks could close an account within 2 weeks and have a check sent out in 1. Honestly, ANY bank, traditional or not, would have the request done within a 2 week frame, and have a check sent out a week later. Seven months is actually insane, and makes me wonder what they’re doing with my money!

highboost

9 days ago

Citibank reduced the credit card limit overnight

Citibank reduced the credit card limit on both of my credit cards to the balance I owed, which effectively killed my credit score to 650. They sigle-handedly ruined my credit score overnight. Do not give them an opportunity to make money off of you.

wendy yoaly velarde

10 days ago

WORST BANK EVER!!!!!!!!!

I never leave reviews but I had so many issues with this bank. DO NOT BANK HERE. The fraud department are no help nor the tellers or bankers. My account got restricted for no reason and no one will help they kept saying a letter will be send once i got the letter they told me wait another 24 hours with no help.

bryant coronel

13 days ago

Citi bank worse bank

Never leave reviews but jesus citi has gotten worse. Went to a local bank in Jamaica NY because I needed a temporary card last minute as an emergency. - Ghetto Girl in jeans (surprisingly) with attitude working at a branch "printer doesn't work" (as always,not the first time printer doesnt work there) - Takes about 7 - 10 business days for a permanent card. (LOL TD bank prints your permanent card ON SITE!!) - Citi App is always freezing especially when you are trying to zelle. Bad customer service. Tedious process to get a new card. App barely works. NO THANK YOU FOR THE HEADACHES!

pjm

14 days ago

They have the worst customer service…

They have the worst customer service way too much outsourcing and lack of training constant misunformation. Last bad thing was I opened a savings account in the branch where there was a special offer of high interest for the first 3 months I only got the rate for 1 month as citi said the offer had expired a month after I opened it. Even the personal banker in the branch was surprised. She opened a complaint and when i went to follow up, the closed the ticket saying it was resolved, never giving me the courtsey of a message, It was not resolved at all. I have been with citi for 23 years and it has become so bad i am looking at a new bank to take my business to.

debra oberman

15 days ago

No english bad business

No englishI called back a second and third and fourt time could not get anyone to understand or speak where i could understand them .frustrarting for them and me!! Service is terrible not exactly their fault butthey probably shouldnt be in a communication

mitchell k

16 days ago

lowered my credit from $2600 to $500

Citi lowered my credit from $2600 to $500 with no explanation and in fact my credit is way better then when I opened the account.. They had no reasoning for it and said ‘contact equifax’

eldin mujic

16 days ago

Unable to register card, no help from bank

Applied for Best Buy card. Something went wrong with information that was recorded and been trying to resolve it since April without success. Every time I call I get connected to some outsourced facility in Southeast Asia where customer service reps have no authority nor desire to do anything to assist and fix the issue. I'm unable to pay my fees in the system because I still cannot register my card, Meanwhile they continue to charge me late fees. Incredible. Worst possible experience and feel completely abandoned and robbed.

john philbin

21 days ago

Horrible Customer Service

Customer Service agent I spoke to on the phone was extremely rude. I do not wish to further business with Citi Bank.

michael michael

22 days ago

They closed my account because I…

They closed my account because I deposited a check under my friend’s name, my friend and I signed it. They closed the account and froze all my money for more than two months without a reason, or an error occurred in the cheque. Why did the rest of the money freeze and I lost a lot of buying a house because of this reason

rose anne

22 days ago

terrible customer service

terrible customer service, randomly keep suspending my card for transactions i’m making and takes 48 hours to resolve. I don’t usually lose my calm with customer service reps but i have never been so frustrated with a “professional global” bank. don’t even bother, try with another provider; i’ll be leaving as soon as possible

c m

22 days ago

Even when you have undeniable proof of…

Even when you have undeniable proof of fraud or scam, when you dispute it - Citi always sides with the big company. I had a dispute for close to 100$ for a company that never delivered my item. I showed the delivery status with the tracking number, the missing mail requests with the tracking company, the email correspondence between me and the delivery company as well as me and the company I bought from, I showed them undeniable proof of this and they still sided with the company. Even though the report from the company says "not delivered". So even from my proof and the company saying they did not deliver the product they still said the charge was my fault.

elizabeth foster

23 days ago

Poor customer service

The customer service person hung up on me and was very rude. All I needed was an address from her. She kept giving several different addresses then got upset when ask her to repeat one so could write it down. She obviously should not be in the job she is in.

jacob kurien

23 days ago

Money stuck in their new saving account

My money got stuck in their saving account and they locked me out and they told they cannot proceed without accout number or debit card number. This is a new account and they did not give me either acct # or debit card.

james d

a month ago

I was recently diagnosed with stage 4…

I was recently diagnosed with stage 4 cancer. They did surgery a week ago Tuesday and found massive spread. They closed me back up and gave me 4 to 5 months to live. I've never missed a payment in my life. I called all creditors and made arrangements to get my affairs situated and all balances paid. Hopefully with some consideration for hardship. Every company ACCEPT Citibank offered some help. Citibank, without notice closed my account. What an immoral, dirty, sinful company Citibank is. They literally closed my account because I'm dying of cancer!!!!

frank treece

a month ago

Great job!

So many people only take time to write a bad review. It is a pleasure to write a good one for once! Citibank has locations all over the world. I've used one in Brussels! With a bank that large, I'm always surprised when I go to my local branch, (Naperville, IL on Forgue drive). They recognize me by name! Even when they are busy, they find time to answer questions, or help with special needs. Is a home equity line of credit the best option? They took the time to explain the advantages and disadvantages. Good people?Good management? Maybe both!

larry kanner

a month ago

Citibank doesn't care about regular customers

I've been a customer of citibank for more than 30 years. I paid off my checking + completely thinking it would be good for my credit. As soon as I did they closed the account and told me I'd have to reapply. They just want to sell new products and charge fees for everything. Pathetic customer service!!!

daryl scott

a month ago

Will keep your money

Inadvertently paid my credit card balance twice. Citi refuses to give me over $8000.00 back. It's been almost two weeks. Guess I'll have to retain an attorney. Ridiculous!!!!

steven weil

a month ago

'Simplified Banking' At Citibank

Citibank is reorganizing YOUR accounts. By the start of the year, in order to avoid fees, you might be required to make $250 in Direct Deposits per month ...even if you only have a Savings Account. If you had been getting Thank You Points for using your Checking Account, that will stop. On the other hand, large depositors will again come out on top. These, and other changes, are being promoted, as something called 'Simplified Banking'.

vivet maragh

a month ago

Missing wire funds

I'm a real estate investor that was closing on a property. Needed to send a wire to escrow, but couldn't do it from my laptop (wouldn't accept my normal ATM card) and was told to go to the branch. The manager helped me and even called the wire department to ensure it was sent and they said it was. When I got home, Citi security wanted to verify it was me. Was told now it would be sent. This was noon. At 4 pm no funds. Called Citi and was told the funds would be there the next day. I asked why it wasn't there the same day as it was a wire. Long story short, spoke a number of people at Citi over the course of 90 mins--bottom line, they don't know where the funds are.

tyler voyles

a month ago

They are a fraud company

They are a fraud company that will steal money from you then won't respond or answer questions. Save your self the headache

ed lam

a month ago

DO NOT TRUST CITI WITH YOUR MONEY

DO NOT TRUST CITI WITH YOUR MONEY! The company closed my savings account for no reason and tried to justify that "as outlined in the Citibank Client Manual for Consumer Accounts, Citibank reserves the right to close an account at any time and for any reason, with or without cause". They then refused to return my own money in that account for over 7 months even after numerous attempts with their customer service. I was only able to get my money back after I filed a complaint to Consumer Financial Protection Bureau. Absolutely the worst banking experience of my life and shameful for a bank to put any customer, who depends on them to access their money, through it. I might still be left empty handed if it was not for CFPB so everyone with issues should file a complaint here: consumerfinance.gov

mel

a month ago

The worst customer service company EVER…

The worst customer service company EVER first you can’t understand the accents and the second no one helps all get is we can’t do this we can’t do that but your welcome to close your account and go to another bank they do not care for any customer retention after over an hour on the phone going around in circles I gave up and transferred my accounts to a different bank as they are the worst bank ever and just zero support or care

carol corsi-baker

a month ago

Zero customer service but strong accents!!

Just got off the phone with a supervisor (from outside the country of course!) from Citibank. He suggested I pay off and CLOSE my Citibank credit card or research other cards to transfer my balance to, so I can then CLOSE my account of 35+ years. Wow. Incredible customer service! How low can they go??!

ashish agarwal

a month ago

Really disappointing customer service

Really disappointing customer service. Sequence of events:- 1. Aug 7 - Customer service representative says that issue is resolved. 2. Aug 16 - Customer service representative hangs up the call 3. Aug 16 - Customer care representative says the information given on Aug 7 was incorrect and they cannot do anything about it. This is 100% bad experience. Being a customer for 10 yrs never expected that I will have to write this. Pathetic & disappointing

dinesh telang

a month ago

We made a large purchase using the…

We made a large purchase using the double cash card that we pay in full monthly by auto pay. They approved the purchase despite it exceeding our limit, didn't call or deny payment then reported the over limit charge to credit reporting agencies despite our paying the balance in full (before due date) as soon as we learned the account was over the limit. We were a great customer and that's how we were treated? Canceling all accounts with Citi by the end of the month.

aimee

a month ago

Terrible customer service when applying…

Terrible customer service when applying for credit. The customer service rep was unfriendly and condescending. I couldn't believe my ears!

matt

a month ago

Tanked my credit score for no reason

I was a Citi customer for 10+ years, have multiple cards with low balances, and have a 750+ credit score. Citi is a company that will reduce your credit limit from $9000 to $1000 with no explanation, be un-contactable multiple days out of the week, and after tanking your credit score (for making only small purchases on their 29.99% APR card) give you only repeated 'I'm sorry sir's. Their interest rate is higher than their competitors, their customer service is worse than any of their competitors, and their points structure is worse than any of their competitors. Use ANY other company for credit cards. Update: I spoke to the second customer service representative who also couldn't answer why my credit limit had been so drastically reduced or connect me with anyone who could. He correctly confirmed my home mailing address where I had received numerous mailings from Citi in the past, and to get me off the line, assured me that I would receive a printed explanation of why this happened within 5-7 business days. Its been over two weeks, plus the time I spent trying to get answers on the phone, and still nothing from Citi. No email, no letters, to calls, no texts, no notifications in the app. Just future plan-hindering actions done with no explanation.

kenny biller

2 months ago

Got denied for a credit increase

Got denied for a credit increase, needless to say I have a 800+ credit score, and can pull money and pay cash for needed loan. Just figured I’d earn interest on borrowed money over term of loan, vs paying off. Never been denied in my life for loan/increase. Have used citi bank in the past, but will never use again! What a joke, I went online and got approved for a 0% loan instead for amount needed in the matter of minutes. Typically don’t leave reviews, or complain, but what a miserable company to deal with!

rjn

2 months ago

MORE BANDWITDTH !!!

I needed to speak to customer service since my account was blocked. Obviously, I reached someone in an overseas customer service center. Citibank, however, has not provided sufficient bandwidth for their people (wherever they are) to be understood (in the U.S.). The problem is NOT their accents. The problem is the technical problem of their call center employees sounding as if they are speaking underwater. I have had this problem before and it is infuriating!

dr peggy

2 months ago

Citi Bank's chat and customer service…

Citi Bank's chat and customer service features SUCK!!!! The off shore staff has no idea WTH they are doing, the scripts they use might make them sound like they do but they don't know in the slightest!!!! I tried for weeks to get a dispute reestablished and they kept saying that it was but it wasn't until I finally screamed at a rep and she gave me the phone # to the depart on shore that was FINALLY ABLE TO HELP........AND THIS WAS WEEKS (4-5) AFTER THE FACT....WORST CS EVER!!!!! Not to mention the accents those people have are the thickest I've ever heard!

khanh nguyen

2 months ago

Terrible Customer Service for Banking

Wish I could give negative stars. I use Citi credit cards for years and have had no issues. Recently they had an offer to open checking account for a bonus. I put a good sum of money in to get a higher bonus but is difficult to het the funds back from Citibank. They said it took 10-15 business days to get the check and no tracking number or notification of when the check was sent. Customer service line is all automated and cannot recognize my check card number (I guess because the account is already closed… which is completely stupid). So it won’t let me advance to the next menu or options and just hang up. After several tries, I finally got to a live person and they couldn’t guarantee anything other than what I already know. Ridiculous!!! Hold my money hostage with no care or knowledge of where it is.

carole jonsson

2 months ago

ATM message

Well I went to use the ATM and there is a warning on the screen to be aware of your surroundings while you are using it and I thought that was phenomenal. I hope that other banking institutions will follow suit and make their customers aware as well. I think it’s just so wonderful they have that on their ATM screen. I thanked the bank manager and she was very appreciative. She is very personable as well. Thank you Citibank for looking out for your customers. :)

k a

2 months ago

Citi bank has been charging me account…

Citi bank has been charging me account fees with out my authorization and it accounts for more than $1200, I am trying to file a complaint to head office and Fed to see if I can get a refund... poor customer service..

aaron fielder

2 months ago

Do NOT do business with Citi bank

Do NOT do business with Citi bank. They ARE the most ridiculous group. I received an offer to open a checking account with them & if you follow certain guidelines, you would receive a bonus. If you deposited $30,000 within a certain time frame of opening the account, kept the amount in there for 60 days, you would receive a $500 bonus. I did everything correctly to a t. I even wrote down all the pertinent dates associated with receiving the bonus. I never received the bonus. Come to find out that when I put in my social I accidentally hit a 7 rather than an 8 & this kept my account from being certified. By the acct not being certified, I could not receive a bonus. So, ok, let's correct my social with citi. I live in MS & there are NO citi branches in MS. First you have to always speak with a foreigner who is not a native English speaker. Then you have several different answers on what to do to correct the social security number, of which, I did them all. The last thing I was told to do was send in another w9 form, a copy of my social security card, & a cover letter stating I was trying to correct an error when I inputed my social & trying to certify the checking account. That last rep I spoke with told me she would escalate this up & would call me back, which she just did. They rejected it & said no I had to go into a branch to correct. The w9 with the cover letter & the copy of my social security card couldn't be used. I'm like HOW RIDICULOUSLY STUPID. They want me to drive to another state to find a citi branch to correct a typing error for my social; but when you open an account online, you can type in anything & its accepted. You would think in this modern time that a detailed cover letter explaining the situation along with the w9 & a copy of the social security card would be sufficient to correct an accidentally hit number, but to them it wasn't. Just a bunch of unbelievable run around & wasted time. Truly hard to understand. Zero care for customers at all. If I had a citi branch nearby, I would have been happy to go into it & get it corrected; but in areas where there is NO branch, there should be a viable & reasonable accommodation. I just pulled my money out & said to close the account & keep their bonus. Sad & ridiculous! A. Fielder

m ahm

2 months ago

Welcome to America

Welcome to the NEW America. Regrettably, all banks' customer services have been offshored to third-world countries in an effort to reduce costs for CEOs and executives. The experience has been nothing short of dreadful, and as time goes by, it only seems to deteriorate further. The dignity and values of Americans are under threat, and there's a sense that they are gradually fading away. We can only hope for divine assistance during these challenging times. I strongly urge you to consider calling their customer service before opening an account, ensuring you receive the expected level of service if you ever need to reach them. Best of luck, but be prepared, as a simple request for a PIN for a new ATM card may lead to wasting 18 hours and 34 minutes speaking to 7 different people across 4 different departments, including a visit to a local branch. Sadly, the issue caused by Citi Elite has not been resolved.

dennis bellenbaum

2 months ago

They charge me twice in the same month

They charge me twice in the same month. Did not mail me a bill. Hoped twice in 6 months. Reduced my limited 3 times in 7 months. I have not used card in 18 months. They are dishonest

jen owens

2 months ago

They stole my $$

They stole my $$. By adding in small print that you have to make a deposit every month or get charged maintenance fees. Just so you know I didn’t sign up with Citi I have already had a bad experience with them, my account was taken over from a different company. I just let my money sit in savings account thinking maybe my previous experience was a fluke. But then I saw they were charging me $5 a month, for a saving account so I thought I better cancel my account while I still have $100 in it. They sent me a check for $24.00. So they stole my savings in maintenance fees for a savings account that i didn’t open with them and said God Bless you and hung up on me while I was still processing that my savings was gone. Don’t they want customers? All my experiences with them have been beyond horrible and then they say God Bless! And Click. No is there anything else I can help you with? It was God bless and dial tone…..

high apple pie in the sky

2 months ago

The automated system is so frustrating…

The automated system is so frustrating and ridiculous. It would not let me speak to a live person no matter what I said. Serious waste of my time!!!!

will mott

3 months ago

Great all around bank.

I’ve banked with Citi for years, and they are a great all around bank. My only gripe is that you have to keep a $1500 minimum balance to avoid a monthly fee. Customer service has been great every time I’ve needed their help, and I’ve never had to pay for unauthorized charges.

alma lones

3 months ago

I cannot understand them

I cannot understand them, their accents are so heavy. They did not understand me and I had to keep repeating myself. I do not have this problem with any other service. It took 3 calls to resolve a problem. I don't have this problem with other call centers originating in India

cyndee

3 months ago

I wish I can give them zero stars

I wish I can give them zero stars . Their fraud verification process is a nightmare . As soon as my zero apr is over I am out of here . I wished I read the reviews before applying . My very first transaction they flagged as fraud I had just received the card the same week and it was 27.00 near my house . The rep would not use any of the verification I gave her , security name , full card number nothing this is the absolute worst !

lana

3 months ago

No help from Citibank wish I could give 0

I was diagnosed with Cancer 2 years ago and have had six surgical procedures since and have been out of work since. I have been with Citi Bank for years with NO missed payments and have struggled to make them since, but have made every one. I have contacted the customer service team bi-monthly and begged for help to at least lower the APR to help get this paid. I haven't used it in several years. Every other creditor has worked with me. They have offered NO help. The only thing they can do is cancel my account and put me on a hardship program which they said would hurt my credit. I asked if they could temporarily suspend privileges and my interest so I can get it paid off. I have gotten it down to $2K and they still refuse to help me. I am so disgusted. All the years I have been diligent and especially these last 2 years. I was told my interest rate is much lower than others...seriously. Horrible to work with. Customer service is hard to understand and no empathy whatsoever. I have worked so hard to have a good credit score and treatment of a long-term client with an excellent history is disgusting.

melvin long

3 months ago

Unethical / Scam / Horrendous Experience

My wife and I opened a savings and checking account. The next day CitiBank closed all accounts and are holding our funds for at least 30-60 days. What a nice scam! All’s we did was transfer funds from another account. We have talked to numerous departments and went down to the local branch. They simply quote their policies. I ask what policy we broke they can’t provide that information. Although by law they must provide that information. We asked for documentation on their policies that we broke. Again they wouldn’t provide that information which is also required by law. I hope the government will start an investigation on what is clearly fraudulent. In the meantime until the CitiBank returns our funds we cannot provide even basic needs for our children. Just a reprehensible organization and I hope this review will keep others from experiencing the same situation.

brenda wheeler

3 months ago

I have a 777 Excellent credit

I have a 777 Excellent credit, own my farm free an clear and am debt free and make enough money to get any card I want an I liked their rewards card so I applied and was appalled to be turned down. So glad I didn't end up banking with them! Now I see how horrible their ratings are I think they did me a favor! Lol !

william ketelhut

3 months ago

They have been repeatedget a different cardly horrible

They have been repeatedly horrible. Stay away.

mark

3 months ago

I’ve been making my payment with…

I’ve been making my payment with Citibank for 9 years and never missed a payment. I spoke to their “customer service” and they verified I’ve never missed a payment yet they are reducing my credit card balances which is hurting my credit. DONT DO BUSINESS WITH CITIBANK!

juan

3 months ago

I cannot wait until the day that they…

I cannot wait until the day that they announce that Citibank will be closing all of their locations. This bank is a horrible bank. I don’t know how they even stay afloat. I don’t know how they stay in business, so this is the first time I am making this review, I only been with them for about two weeks now and I’m already in the process of closing this account two weeks. I opened this account because there was other. There was a few other banks that I wanted to open an account with but unfortunately I couldn’t Citibank was the only bank they gave me an opportunity , when I started with them, the very very beginning another one, saying that I didn’t like that, threw me off with them was when I received a pin code in the mail, telling me that that would be my password for when I wanted to withdraw money from the ATM I thought that was a little odd, because no other banks customers, no other banks, why would a company a bank create their own pin code for you to use it now we all know that we don’t have to use that code or we could change it in and use a number of a choice, but why would they even create a pin code for you , when they supposed to send you the card and tell you to create your own pin, they sent me the card but before that they sent me the pin code and I had lost it well I didn’t lose it. I threw it away by accident and I called them to let them know what happened and they had me answers of security questions which I didn’t have a problem with that but the question that they asked me was what is your mothers maiden name? I never provided my mothers maiden name do you never ask me that question so I don’t know why they would even be asking me something like that , they asked me for my phone number that was associated with the account I gave them That is the only number they said they couldn’t find the phone number. The phone number is not on file when I was the only phone number that I’ve ever use when you speak to these people you never ever speak to anybody that’s in United States you always speak to people that’s in at least four countries that you could barely understand. This bank sucks they’re rip offs they don’t care about your customers and I cannot wait to close this account. Beware please do not open an account with them you will regret it I guarantee it

paula kozlow

3 months ago

Most of the time you can not understand…

Most of the time you can not understand what they are saying. To get to the right person you have to talk to three other operators that is hard to understand. I do not use CitiBank any longer after 42 years

ron f.

3 months ago

Bank can’t keep a balance straight

Bank can’t keep a balance straight. 1+1=2 not 200. Bank is run by 5 year old. Good luck reaching a English speaking CS rep

kathy wyneken

3 months ago

If I could give less than A 0 I would…

If I could give less than A0I would period I call to verify my identity and they wouldn't take my phone number because it's a government phone and they read me my security question wrong period Uber and Uber again wrong period now I'm logged out of my account online and nobody on the phone will talk to me as soon as they hear My social security number, they click the phone. Hang up on me just in my face. I can't get into my account. I have no idea what's going on and nobody will talk to me and I am furious it is their fault they were reading me the questions wrong. They were telling me that I needed my mother's maide in name but my question was. My grandmother's made a name but I didn't remember that. And they wouldn't help me at all. They suck. Their fraud department is horrible, horrible customer service. All of them, the ones that can speak english and the ones that Can't.

cindy rackley

3 months ago

ALWAYS a problem with verifying…

ALWAYS a problem with verifying deposits to add bank account so that I can pay credit card. NEVER have I been able to get through on this site. The little circle just spins and spinsssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssss. TOTAL BS

laurel mcdonald

3 months ago

Doesn't care about customers

The company refused to lower my interest rate even though I have a hardship and an excellent credit history with them and then said thank you for being a valued customer. They could care less. I'll never get this card paid off.

bogdan tsybrukh

3 months ago

Citi Bank 'Fraud' Protection Help is…

Citi Bank 'Fraud' Protection Help is Horruble My card got blocked due to security reasons. After speaking to several representatives and finally laddered up to a 'specialist' they could not confirm my identity by phone and their only solution was to 'mail me a code' letter came without this code. They keep feeding me with the info that they mailed me another letter. I even came to them with all the documents and they still didn't do anything. Still waiting for the letter with the code

m fong

3 months ago

Been with Citibank for about 35 years

Been with Citibank for about 35 years. People call it shitti-bank but I don’t think so. They give great money market rates. The app is great. CD rates are pretty good. Credit cards are great-Costco and double cash. My mortgage is with them. Better than Chase. Better than BofA. Much better than WF. When I travel internationally I get amazing exchange rates from the ATM. Almost the spot rate. The service is very good. If I see a few that I think should be credited back they do it no questions asked. Their brokerage app stinks though especially on the web. I lost money cuz it was very buggy. The buy turned into a sell when I clicked it and I didn’t notice. So instead of buying more I sold at the low. The investing side is the worst I’ve ever seen. But I do most of my investing with Chase, TD, Merrill and Fidelity.

jay sulfrian

3 months ago

I would give a zero if possible

I would give a zero if possible. I had a secured credit card that I closed in 2021. I never got my deposit back. I called and requested it then hung up on. I called back and asked for an address to send a written request and was argued with. I said I wanted an address, not an argument…. Hung up on again. What a joke this bank is.

roger

3 months ago

If I could leave no star I would

If I could leave no star I would. I have had the Sears version for years, but it has become an absolute sham. I paid a balance in full a year and a half ago, in January 2022, closed that account because of card was compromised. That paid balance was transferred to the new account, and has still not been credited back to my account. I guess they kept the money for themselves, or pocketed it. Also, when you make a more than minimum payment, the balance doesn't change. It's a sham and everyone should avoid them.

anonymous

3 months ago

Citi Bank 'Fraud' Protection Help is Horrendous.

My card got marked as 'fraud' while making a payment. After speaking to 3 representatives and finally laddered up to a 'specialist' they could not confirm my identity as their only solution was to 'mail me a code' and then call them. I had this same issue with Capital One and they rectified it in minutes by having me provide the last four of my SSN, a photo of my ID, and basic account information.

angela bobak

3 months ago

This company doesn't care!

This company cares zero for their customers! They decreased my balance even though I have 100% payment history and always pay more than the minimum. It TANKED my credit and now Im worried other cards will follow suit because of my lower credit score! I was punished for no reason

brad k

3 months ago

Truly a zero star experience

Truly a zero star experience. The app hasn't worked for a week straight ao i made sure it was updated, it was, then called to tall about it. Took 10 minutes to get to a live person from india with not so great communication skills. Asked to close the account and was granted that request with no questions. Happy to be gone. They didn't ask why or anything. Bye forever!

dr peggy l

2 months ago

CITIBANK USELESS customer service

CITIBANK HAS BEEN USELESS REGARDING A REFUND ON A PURCHASE NEVER RECEIVED THEY KEEP TELLING ME THE DISPUTE WAS RESUBMITTED ON JUNE 3RD YET 4 WEEKS LATER I HAVE YET TO RECEIVED THE REFUND!!!!! USELESS BANK, USELESS CUSTOMER CARE, USELESS CHAT!!!!!! Finally received a refund which took over 2.5 months.....put a lock on the card and will never use it again! AWFUL, AWFUL, AWFUL BANK SHOULD BE RATED MINUS 5. Side Note: They first said the conditional credit received would remain but that was a lie since they removed it 3 days after posting it originally......finally yelled enough that it was done correctly!

eugene leader

3 months ago

Preferred account getting closed, no one knows why.

Account getting closed I received a letter that my citi priority account of 5 years will be closed. When I called in I was told "it's because of high number of cash transactions." I then told them that I had NO cash transactions in the last 3 months, and only a few in the year before so the reason I was given is nothing but idiotic. This is a preferred member account with a min balance of 30k and the fools can't actually identify why the account is closed and can't transfer me to anyone who can explain or investigate it either. Completely pathetic from Citibank. account number 149571334 Eugene Leader name under the account.

george coyle

3 months ago

I have been banking at Citi for forty…

I have been banking at Citi for forty years. It's ok until you have a problem. They do not understand English.

kathab

3 months ago

Poor Customer Experience Delivering Card

I opened a new credit card account. It has been a week, still no card. Goldman-Sachs sent my card overnight. Wells Fargo, two days. This is not starting off good. I have heard others state that cards have not arrived even after a month. I will be returning the card and cancelling my card.

jhabiby

3 months ago

Customer service no Longer means Customer Service

I’m sure Management either doesn’t have the time or I’m sure Won’t take any action. If they did, they wouldn’t have a low rating like this. So I guess Complaining is more cathartic. I accidentally made, 2 deposit Totaling $25,000 Only one (12500) was good and they said second ones would not go through. I was under the impression that they would not. I even contacted The supervisor on IG. Guess what, that’s right they did. She told me I had to contact account svcs at Wells Fargo. So now the customer has to correct the problem. Their lack of follow through overdrew my acc by $12,500 (keep in mind I have auto pay so guess what is happening?) I called 4 Times to Customer Service. The first time my concerns difficult for them to understand and then they said OK, sir and I hung up just like that. In fact, I was talking. The second, then third time the phone may weird sound, and then went to A continual ring but nothing happened. The fourth time I called it was picked up. Yay they transfer me to the supervisor. I explained The situation to the supervisor, “Well sir you did hit deposit button twice” actually that I was to blame. Now, I know that it may be my fault initially however, I don’t need to be told this! Then she said I (the CUSTOMER) Need to call my bank & have this addressed. Correct me If I am wrong but I thought they were “Customer Services”. My GREAT banking customer service did make this go away. I’m still waiting for Citibank To address the situation on their end. I think I’m gonna move Banks and I just opened it up!

andyrick liu

4 months ago

This company is totally not worth the…

This company is totally not worth the reputation. I tried to transfer money from CITI to Chase and it block the access and said error code MFA. Called customer service and transferred three different people and the last one even told me that's because I reach the limit of how many transfers per day which I only have one autopayment for the credit card pre set...I asked him twice that's what CITI Bank's policy that client can only do one transfer per day and he said "yes"......@#$% My god, Withdraw your money from this bank, there is something wrong when a bank kindda limited or causing trouble when you want to move your own money.

donna spiotta

4 months ago

SCAM on their bonus sign on offers

SCAM on their bonus sign on offers. Horrible customer service

jane zulu

4 months ago

STAY AWAY FROM THIS BANK

STAY AWAY FROM THIS BANK. This is the worst bank ever and they have the worst online banking experience ever. I opened my account a month ago and I still have not received my debit card. It's 2023 and they do not do virtual cards, to transfer funds to my other card (because I cannot access my funds at Citi) I need to enter my debit card number in full and my PIN WHICH MAKES NO SENSE BECAUSE I DON'T HAVE MY CARD. Because of this I have been unable to buy my plane ticket to go home, groceries etc. Customer service was not helpful either

angela li

4 months ago

Translate to Chinese below

Translate to Chinese below: "Do not open an account with Citi Bank anywhere. I had the worst experience with them. Last year, I opened a CD account for 11 months with a 1.75% interest rate. Before the end of the 11-month period, I contacted my wealth managers, Justin Morin and Larry Standridge, to explore better investment options. They advised me to open a brokerage account with an interest rate of 5.1% for 11 months. I followed their suggestion, but I faced delays and back-and-forth communication for over a month without any progress. Today, when I called Larry, I found out he was on vacation. A few hours later, Justin called me back. I asked him why it took a month to open the account and transfer the money from the CD to the brokerage account. I felt like they intentionally kept my money at a low interest rate, and I expressed my desire to withdraw my funds from Citi Bank. Two hours later, Justin called again to inform me that my CD had automatically renewed for another 11 months on May 1st. If I withdraw the money now, I would have to pay a penalty of $3900. He abruptly ended the call. Frustrated, I contacted the customer complaint service, who spoke with Justin and the branch manager. They claimed that I never asked them to close the CD account, and I would have to pay the penalty. However, no one ever informed me that I needed to close the CD account. They assured me they would take care of it and even opened the brokerage account to transfer the funds. Due to their poor management and dishonesty, nothing was accomplished over the course of a month. Now I am facing a $3900 penalty. I have never encountered such an experience with any other bank." Bad bank and racism

iyad nahas

4 months ago

Pure Incompetence

If I could put a zero for a score I would. Over an hour of holding and arguing with CS and then his supervisor, I still could not get them to correct my citizenship on my profile from US to Canadian. Apparently no one in Citi CS knows the difference between a "citizen" and a "resident" or the tax classifications for US persons! Now waiting for a "manager" to call back. Probably will never happen. So frustrating.

satoru iwata

4 months ago

stop buying fake reviews

look at google play citi mobile app reviews, its clear and easy to see they are either buying 5 star reviews from some sleazy company or they are getting all their offshore phone agents to make fake reviews. Very suspicious to have a ton of people saying 'easy to use' over and over just to push down the other REAL 1 Star reviews! Same thing on the Apple store!!!!

natalia s

4 months ago

The WORST BANK and customer service.

The customer service is worthless. Be aware! KEY WORDS: Fraud, scam, incompetence, ignorance. NO ENGLISH! Customer service rep asked me to spell 4 letter word 7 SEVERN TIMES. This is Scary! Those people work for Citibank!?? Those robots never resolve ANYTHING. They repeat script over and over again, constantly LYING, making you wait for hours on hold. Called them 86 times since January. NOTHING IS RESOLVED! Filed 8 complaints, been on hold for HOURS. Never experienced that LEVEL OF IGNORANCE, INCOMPETENCE AND STUPIDITY. They NEVER responond to e-mail or other form of official communication. They playing GAMES with customers knowing there will be no consequences for them! We Contacted Attorney General and Other Authorities.

ana hurtado

4 months ago

Citi Fraud Dept

First, when I tried to add my new credit card to my phone wallet in February 2023, city customer service blocked my credit card even after I answered all the security questions. It caused me a lot of stress not being able to use my card for a week after all I wanted was to add the new card to my iPhone wallet. The second event happened tonight 05/31/2023, I tried to make an online payment to pay for my brother's studies at the University of Chile using a secure link and received a text to call City to verify the activity. I called the phone number 8444525126 and the person who replied only asked for my phone number and then informed my card is blocked till I receive the mail verification from City. For the second time in less than four months not being able to use my card causes me a lot of problems and stress -more now than I am traveling and depend on my card to make all my daily payments.

eric garvey

4 months ago

Worst customer service ever

Worst customer service ever! I recently purchased a motorcycle from a dealership that used Citibank financing. Apparently the dealership has yet to submit some tax form to Citibank. Citibank has sent me nasty emails stating that I need to go to the dealership and have the dealership contact Citibank to resolve the missing paperwork. They informed me they are not allowed to contact the dealership. So now I have to go to the dealership and have the dealership contact Citibank. Huge waste of time and why can’t you call them?

tina sorenson

4 months ago

CITI Drivers Edge CC rebates are difficult to redeem

I have a CITI Drivers Edge CC where you get rebates back when you buy a car. There is no online way to submit, needs to be a mailed letter or faxed. Instructions are terrible. If you do anything wrong they do not let you know what is wrong but will hold to their 90 days to submit. I did not receive my rebate so I called and come to find out a signature was missing on the purchase agreement because it was signed electronically. I asked about the 90 day limit and she tells it will not be a problem because it's on file I originally requested it with 90 days. I went to the dealer, got the signatures and refaxed then get a letter saying it's rejected because it's passed the 90 days. I called and they tell it past the 90 days so I cannot get my rebate. I am cutting up my cards and moving on to someone that is easier to deal with. We will tell everyone we know to cut ties with the terrible company!

john

4 months ago

Vindictive customer service

Citi Bank constantly Sends me credit card transfers promotions. I finally took them up on one and called them up, went through all the bells and whistles and jumped through all the hoops . They even sent my phone a security code which I had to read back to them. The man said on the other end, said that the transfer would take anywhere from 2 to 4 weeks. A week goes by, this woman calls me up acting like there were some kind of fraud. Starts asking me all the same questions. She would not tell me what it was about. When we get to the end of all these questions, I asked Her again what it was all about and she said it was this bank transfer. I Told her I went through all this last week with somebody . I said, are you serious? You actually do this to your customers after you already asked me a whole bunch of security questions and I proved who I was when I did the balance transfer? I told her you people should be ashamed of yourself it's nothing more than harassment to your customers and I Hung up. I later find out that this was declined only because of getting late payment notice from my other credit card company. I called to complain, but no one cared. how evil. Citibank did not send me a fraud alert they did not send me a decline. They didn't send me anything. This was just some nasty little b**** being vindictive. I will be cutting this credit card in half.

richard holley

4 months ago

Anti fraud dept cost me me hundreds…

Anti fraud depth has cost me hundreds of dollars. Declined a 85.55 Uber charge to the airport after a cruise, causing 10 of my family to miss the flight home. This had happened every trip. I cannot trust Citibank. I've been a member since 1994, have a high limit and use the car frequently, but at some point in trip, the decline a charge that has really put me in a bind. After 45 minutes on the phone, all they can say is: you can now go ahead and use the card again. No understanding the damage has been done. Thanks citibank!

bart j

4 months ago

APR | Customer ‘value'.

This is my first review of it’s kind. Long tenured Citibank credit card customer. Excellent credit history with Citi. So naturally, the first words I hear whenever I reach out to Citi CS rep is: ”Thank you for being a valued (i.e.loyal) customer since”…In fact, I’m so ‘valued' as a long time customer that my current APR is…23.99%. That’s right. So much for the 'valued customer bit. As of yesterday, Citibank was paid off/my business was moved to a competitor’s card product with a favorable rate, plus, As a founder of my company, we'll never do business with Citibank. After 30 yrs. as a Citi customer, the reality is they ‘value' nothing except their bottom line. Even sold all Citibank stock recently bc of their lack of customer satisfaction focus. Avoid them at all costs.

david m

4 months ago

Get another bank besides this citi bank

Fraud department there not doing there job

farzad avaz

4 months ago

Disappointing Customer Service Experience with Citibank Credit Card: Verification and Activation Woes

I recently had an experience with Citibank's customer service while trying to resolve a denial problem with my new credit card. Unfortunately, the level of service I received fell far below my expectations, leaving me feeling frustrated and dissatisfied. One of the major issues I encountered was the lack of effective assistance from the customer service representatives. It became apparent that they were located in another country and seemed unfamiliar with the necessary protocols to address and resolve the issues at hand. This made the process of resolving my problem unnecessarily complicated and time-consuming. The verification process proved to be particularly problematic. Despite providing the requested information, I was unable to complete the verification through the text message system. Specifically, I had issues with verification via my AT&T phone number, which prevented me from accessing the benefits and functionalities of my credit card in a timely manner. This not only caused inconvenience but also hindered my ability to make timely payments. The most significant inconvenience in this entire ordeal was the delay in card activation. I was informed that I would have to wait for a physical letter to arrive, which would take approximately two weeks, before I could start using the card. This unnecessary delay further added to the frustration and hindered my ability to pay invoices promptly. In light of my experiences, I believe it is important to approach Citibank credit card applications with caution. While I cannot speak to the experiences of every customer, my encounter with their customer service was far from satisfactory. The lack of efficient problem-solving, challenges with the verification process (specifically with AT&T), and the extensive delays in card activation underscore the need for improvement in their customer service operations. Considering the issues I faced, I would recommend exploring alternative options before applying for a Citibank credit card. It is crucial to choose a financial institution that prioritizes responsive and reliable customer service to ensure a smoother and more satisfactory experience.

clayton

4 months ago

Horrible experience. Avoid.

Had the Citibank costco credit card and will never do business with citibank again because of it. Poor customer service and seemingly zero control over my account. I called in 8 separate times due to digital cards being created on my account. Even after I FROZE, LOCKED my account, I was still getting charged by various entities. No accountability of support staff. I was flat out lied to at least once. My policy is to not let a bunch of clowns handle my finances, so I closed my account entirely. Horrible experience. Horrible company. Big waste of time. Avoid at all costs.

rachel sze

4 months ago

Worst customer service ever

Worst customer service ever. 9 out of 10 customer rep had no intention to help or look into the problem for you. The worst of all , no credibility. Can’t imagine it happens at such big bank. It seems like they don’t want to do business anymore.

bitely mi

4 months ago

Worst bank on the planet

Worst bank on the planet - I would not recommend a dog bank there.

yang zheng

4 months ago

I was tricked by Citi to open a saving…

I was tricked by Citi to open a saving account for $150 promotional bonus using the link sent by Citi. After enrollment, I also check with Citi agent who confirmed that my enrollment was successful. After I completed all the requirements 3 months later, then Citi told me that I am not eligibile because the saving account is under "so called basic package" (I use the link Citi sent to me to open the account. Well they said there are fine prints you missed. Classic trick they played). I would never ever trust Citi. I just could not believe a big bank like Citi fooled the customers for just $150.

4 months ago

I wish I could give Citibank 0 stars

I wish I could give Citibank 0 stars. I have been a customer of Citibank for more than 15 years, and I am finally leaving this bank. They provide the worst customer service ever. I understand now that people from outside the US work in customer service, but the problem is that they really don't understand the context and are not even trained properly. They respond to you like an AI and just read out what is in the manual. Every time I call customer service for one issue, no two representatives give me the same answer. All they provided was incorrect information and false hope, and in the end, nothing was done. This jeopardized my mortgage application process. Don't ever do business with them.

kim krisco

4 months ago

Terrible Security Department - refused legitimate refund.

I was issued a credit by CitiBank AAdvantage credit card by a merchant, but they posted it as a CHARGE. After sending supporting documents, and many phone conversations, they refuse to post the credit.

fred grzybinski

4 months ago

Worst customer service...

Worst customer service I have ever dealt with. Constant ad push. Cancelling. One star only because I could not give 0.

marjorie grace tahapary-campbe

4 months ago

Citi Bank is the Worst Bank Ever in the U.S!

Citi Bank is the Worst Bank Ever in the US! I have a saving account with them with more than a quarter of million dollar and I was trying to transfer some of it to another bank. I linked my other bank to Citi successfully but every time I tried to transfer it kept on saying I need to link to another bank which I already did, three different times and got an email saying the link was successful. I believe they are trying to stop me from transferring my money to a different bank. Well, I am done with this horrible bank. I will go to one of their offices nearby and close my account.

pia estillore

5 months ago

We feel scammed with this bank

We feel scammed with this bank. My mother already closed her credit card account with this bank since 2020 as she was leaving the country "FOR GOOD" Its 2023, she's still recieving bankstatements. We already settled whatever amount was charged to her unexisting bank, yet today, we still got a freaking bank statement! My mother is too old to deal with this stress. No matter how many times u cut ties with this bank, they'll still send you bank statements even when you're dead. Their customer service agents are very rude too. You wouldn't like to deal with such.

william jackson

5 months ago

Worst customer service. Its difficult to understand them and when you do finally get a rep you can understand they are arrogant and unknowlegable. Whenever I get this account paid off I'll close

Could barely understand multiple reps . When you do happen to get a competent rep they are arrogant. Just as soon as I can pay the account off I will 100% be closing it. They also have sub par rates

bookworm

5 months ago

Home Depot Citibank truly sucks

Home Depot Citibank truly sucks I made a upto date payment confirmed and I had 353.00 credit available afterward. I tried to buy 215.00 at store and my card was denied. When I called the 877 service number they asked when I paid and if it was at store or by mail. I paid on line! To my surprise it was impossible to access a live person to x plain.

steve berrios

5 months ago

Avoid this bank at all cost

Avoid this bank at all cost. The worst ever. They closed my account and claimed it was due to fraud. They say it take up to 60 days to be refunded any money

rebecca evans

5 months ago

Why bother recording calls for "quality assurance"?

I have never asked a customer service representative this question until experiencing the horrible customer service from Citi. I asked "Why do you record calls for quality assurance?" Calls to Citi's customer service shouldn't make you physically and mentally exhausted but mine did. I don't want to devote any more time to Citi detailing my experience other than to say....my IQ has been lowered after numerous, unsuccessful interactions with Citi's customer service representatives.

raquel

5 months ago

Citi used to be my favorite credit…

Citi used to be my favorite credit card. Now they are charging insane lending rates, far more than any of my other cards, and have the WORST WORST WORST customer service. I paid off my balance completely and they will never see another penny from me.

s r

5 months ago

No one there to help.

They let someone hack into my bank account. Getting them to work with me is impossible. They put a lot of blame on me, they take no responsibility. They say someone will call you back next week... No one has yet to call me back. They say they will leave a message for a manager they will call you in 2 business days- yeah I am still waiting.

customer

5 months ago

Horrible banking. Never got promotion either

Horrible banking experience time and time again. One year ago I opened a checking and savings through a mail promotion to receive a $700 bonus if I maintained my funds there for 3 months. Called several times after that 3 month mark; reassured I would receive the bonus by a certain date. That date would come and go, I would call back, the date they told me would change. After continued long run arounds as to why not, they told me that that promotion was not meant for me, and that I should have kept the mailer in order to prove I had been sent it. There is no bank branch in my state (Utah). Website has worked horribly, so I have often had to call, every phone call has also been a disaster, taking 20-45 minutes plus. I'm trying to transfer my money out now which is taking over 1 month now because of transfer limits, and today yet again dealing with the fraud prevention team trying to put on hold my final wire transfer in order to BE DONE with this bank. I closed a US Bank account 10 years ago because a stranger's name was somehow added to my account. This last year of experience with Citi has been 20 times worse than that. Do not even consider ever banking with Citi. I've never had one native-English speaker either, and they follow a script that is so very not helpful.

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