Description

Citibank

Citibank is the consumer division of financial services multinational Citigroup. Citibank was founded in 1812 as the City Bank of New York, and later became First National City Bank of New York. Citibank provides credit cards, mortgages, personal loans, commercial loans, and lines of credit.

The bank has 2,649 branches in 19 countries, including 723 branches in the United States and 1,494 branches in Mexico. The U.S. branches are concentrated in six metropolitan areas: New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. In 2016, the United States accounted for 70% of revenue and Mexico accounted for 13% of revenue. Aside from the U.S. and Mexico, most of the company’s branches are in Poland, Russia, Pakistan, India and the United Arab Emirates.

Features of Citibank

  • Asset management
  • Security and markets
  • Foreign exchange
  • Trade services
  • Reward points
  • Retirement savings
  • Mutual funds
  • Educational savings
  • Stocks and equities

Errors and issues in Citibank services

  • Transaction failure
  • Servers crashes
  • Issues regarding loans
  • Hidden charges
  • Mobile banking is not fast enough as compare to its competitors
  • Customer service is not good
  • Login/sign in errors
  • Web services lacks security
  • Registration/Sign up errors

Rates of savings and Deposits-

  • Citi Savings

           APY                                           0.04%

           Min. balance for  APY           $1

 

  • Certificate of Deposit

           APY                                               0.80%

           Min. balance for APY               $1,000

           Length of term                           5 years

 

  • Simple Checking

           APY                                                                  $12

           Monthly fee                                                   $12

           Balance to waive monthly fee                  $1,500

 

Pros and Cons of Citibank

Pros

  • Competitive starting rate. Competitive discounts at certain retailers
  • Strong online and mobile features, including budgeting and many customer service options
  • Many international branches
  • Over 60,000+ fee free ATMs
  • Business checking customers can also add on CitiBusiness credit cards, which have some great rewards like office supplies, travel or even cash.
  • If you meet their conditions, like maintaining a minimum balance for example, most of their business checking accounts can have fees waived.

Cons

  • Systems are outdated that means delivery speed is slow
  • Balance of at least $500 required in basic savings account to waive monthly fee
  • Security is low as compare to other competitors
  • Citibank’s savings account have an APY of just 0.01% for account balances below $10,000, and even if you have over $1 million in your account that rate only grows to 0.08%.
  • Customer service is not good as expected from such a big bank
  • S. branches (over 1,000) are fewer than similar-sized peers

 

Citibank doesn’t have a technical support number. You can search your problems or issues to their help forum and community sites. You can get an instant customer support by call us at our customer service phone number USA +1-844-619-8867  UK  + 44 330-808-3896 for Citibank. A phone number system with less hold time in comparison to other phone numbers, call us now for live support from your computer.

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