Pros

Strong online and mobile features, including budgeting and many customer service options
60,000+ fee-free ATMs
4,000+ overseas branches

Cons

0.01% APY on standard savings account; better rates available elsewhere.
Balance of at least $500 required in basic savings account to waive monthly fee
U.S. branches (over 1,000) are fewer than similar-sized peers

Overall

3.5

Citibank is the retail banking division of Citigroup, a New York-based financial services provider that has 200 million customer accounts worldwide. It offers the range of products and tools you’d expect from such a large institution. But it also has the drawbacks of big banks, and it falls short of peers in some areas.

Ratings methodology | Updated June 13, 2017

Checking

3.5

Citibank's various checking accounts generally come in combination packages with savings accounts, which have many fees or requirements. The checking account in the basic banking package has the best balance of options to avoid the monthly fee and have access to services such as checks.

Savings Plus Account
0.01%
APY
$1
Min. balance for APY
Learn moreat Citibank
Basic Checking
$12
Monthly fee
$1,500
Balance to waive monthly fee
Learn moreat Citibank
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Overall
Customer service
Poor
Website / app
Good
Rates
Good
Fees
Fair
Heartbreaking
I am extremely disappointed in Citibank. Earlier this week (more than three days ago), I poured my heart out to Citibank about my situation (my parents lost their homes, my island was devastated and between myself and my fiancé we have spent thousands to aid them. I asked if they can defer my due date to give me time to recover . They said they will defer payments until December and they are more than happy to assist. Not only was i shocked, i was so happy and felt supported. Today (9/22/17) i went to use my card and it declined. Surprised that my card declined (because i have a reasonable limit) i called Citibank. I spoke to a customer representative and they explained to me that my card was locked because i didn't make a payment. I explained my situation once more and they said, they can't help me until i make a payment. Eventually they said they will transfer me to billing. Currently I'm sick in urgent care waiting to see medical attention and needed to use the card ($50). These past few days were hell...no sleep, tired, stressed because i couldn't get in contact with my family after the storm and yesterday i went to a shelter to assist some of the patients that were evacuated from the Virgin Islands prior to hurricane maria to see what i can do to help them and also to deliver word to their families that they are safe. As I stand here in Urgent care i waited for the billing specialist. Once they answered they assured me that are sorry for my lost and i will be able to utilize my card. I felt some sense of hope. I handed my card again to the cashier and i was declined once more. I called Citibank back. I spoke to another customer service representative. This time i spoke to someone who could've cared less about what I've been through. Then i explained to him that billing told me i could use my card. He then explained to me that i needed 24-48 hours for the information on my card to be updated before i can use it. Then turned around and said, or you can make a payment now and it will allow you to use it. He even told me he can use the information on file from one of my accounts to make a payment so i can use my card. Not one ounce of sympathy. I kept calm and asked to speak to a manager. The manager was on the line and he explained the same thing to me (i need 24-48 hours for the file to update). I told him," i originally put in this request days ago (more than 3 days) and I had to do it again today. I am in desperate need of medical attention and you are saying there is nothing you can do to help me? " His response was ,"no it's systematic and there is nothing he can do." Not one bit of mercy or compassion. I told him thank you and hung up. I stood in urgent care devastated . I scrambled through my purse to look for any means on how to pay my bill. Not only am i hurt but i am extremely unhappy how i was treated. There was miscommunication on my account from my request i put in days ago and today i was unable to get help. How could you make that error and still turn me away? Let me tell you my life summary: within two weeks my hometown was stuck with 2 category 5 hurricanes . My entire family and friends lives there struggling with barely any water, food or resources. I am their resources at this point and now I can't do anything for them or anyone at this point. I am the one struggling to provide for them and you took that away from me. Citibank Customer
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
ARROGANT BANK WITH AWFUL SERVICE
An extremely arrogant bank that does not care for its customers and cannot provide solutions. I have been trying to make an international transfer from abroad for over 1 month now, first Citibank blocked my account, requiring me to provide details of all my assets and income, when I cleared this hurdle they still do not release the money because there are issues with their call back system to verify the transfer. A month on they can give me no solution, when I call, the only response is "these are our procedures". My advice is DONT EVER BANK WITH CITIBANK. They don't understand that they are only a service provider holding clients money, they have practically stolen my money and won't give me access.
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