Citibank

If I could give them ZERO stars I would. Citibank as a whole is awful. We have banked with them for years for both personal and business accounts and have finally had enough.
Recently I deposited a check from our business account to a personal account (both Citi accounts) and they refused to make the funds available right away! When I asked the teller why, she did a lot of clicking around only to have to call over a supervisor. I explained to the supervisor that I do this all the time and there is never an issue with the funds being available. She also did some clicking around and I kid you not her response was «Yah, I am not sure why this is happening, it has been happening a lot today». Followed by a blank stare. This made no sense and she clearly could not think with it. I mean, I could have withdrawn the funds right there at the counter, gotten cash, then just deposited them back in to the other account — they are both Citi accounts! When I called the 800 number to inquire about the hold they said they needed to verify me first. They asked me a series of questions and told me I could not be verified. I escalated to a supervisor and the same thing happened. Later, when I went into the bank to get this and other issues worked out the rep at the bank said that my personal info had been swapped around so my mothers maiden name was under favorite vacation spot and my favorite vacation spot was my mothers name!!! Seriously?!
They also CONSTANTLY block debit card use for the most random, nonsensical reasons. I would use my ATM card at a local gas station I frequent and they would block the car, no warning message — card just stopped working!
We also had an issue recently where we were sent new ATM cards with the chip. They forced us to change the user name for online access for our business account. No big deal, right? Well it ended up being a huge deal! Generating the new username DELETED ALL our payee and bill pay history!!! Gone and confirmed we can never get back. We also have an auto pay that we can NOT delete or edit and they are telling us the only way to get that out of the system is to close the account and then reopen it! WHAT!!!
Much more has occurred, this is just a taste but this was the last straw so we have withdrawn all funds from one account and are moving somewhere else. All of our other accounts will be closed as soon as we work out a solution and get things moved over.
This bank is a joke and honestly I wouldn’t be surprised if they were acquired by another bank or went under. Their business practices make no sense and working with them is SO frustrating.

If I can give bank a zero or less than that, i will. Ann Choi, one of the associate there is the worst person to deal with. Her customer service skills is so lacking that she never lets a customer even speak. My sister cashes out checks here for 4 times already, all the time there was never a problem until she was the one in the counter. She says that she needs an ID with her address on it. The check is under her name, and she showed her passport already since she’s not a resident here, plus we’ve done it 4 times already, what is the problem? She said their procedure changes all the time. I don’t think thats the real reason. She is just unprofessional and cannot let her personal feelings of hate because my sister is not a resident of this country (and way prettier than her). We went to another citibank and their was not a problem at all. The lady even wants to open an account for my sister using her drivers license from her country of origin. It’s just very poor customer service for this bank and i hope they close this establishment already or train all their employees how to handle situations and not let their personal feelings compromise their professional responsibility to their customers. One word of advice to them. LISTEN. Listen to you customers, and stop yapping. Never coming back again, this branch is a big joke, stay away and go to the one by Hamilton Ave by Safeway, they have friendly staff, listens, and truly cares.

My 85 year old, very with it mom has been going here for years and Friday she went in with a check book question; met with a teller L. Nguyen and after this teller made cracks about her being too old to handle her check book, my mom told her she was a widow that had been handling her finances for 37 years and she was not too old… the teller reached over touched her wedding ring, and said «then what are you wearing that for»… Appalling!
I would never bank at this branch and will be working with my Mom to move her investments…

Full disclosure: I don’t have an account with them, I only go there for frequent deposit to a friend’s account.
Always in and out in 3 – 4 mins. Very friendly and dogs allowed :)

HORRIBLE customer service! Granted our situation was «unique» to say the least however their policies and lack of flexibility left me knowing without a doubt I will NEVER put a dime into this establishment.
My husband has been out of work for some time and since there was no $$ coming he had closed all his bank accounts (with another bank). We needed $$ to pay bills and make ends meet so he cashed out a large some from his 401k. The check was drawn on Citibank so we were told that we could take the check to Citibank and request that a cashiers check be made in my name so that I could then take it to my Credit Union for deposit. Well … apparently since we don’t have an account there, the we not willing to cash the check due to the large amount. IT’S THERE CHECK!!!
The only way they would allow us to get the money was to open a account and deposit it there and then take it out the close the account. However since they knew that would be our plan, they refused to even let us do that.
They then told me that my bank (husband is not attached to these for personal reasons) should have no problem cashing it since I had a long history with them. But my bank couldn’t do this because the check was not drawn from them. They said it was very strainge for Citibank to be so resistant. It was all around STUPID!
So … we walked to Wells Fargo, opened an account for free, deposited the check and which will clear on Saturday, I will get a cashiers check and close the account all of this with Wells Fargo’s full backing! No Charge. NO BS. Who would have thought it would have been such a headache to get your own $$!!

Update many months later. After reading my original review I realize it’s actually too nice. We were treated poorly by several of their employees. We got different answers from everybody and nobody acted like they wanted to help us. I got the feeling from all of my contact with Citibank that they try to put up a wall between you and them.
We paid off the mortgage and took out a line of credit at our local Bank of the West. They have always been very nice to us and we now have no mortgage and no stupid bankers to deal with.

THESE GUYS ARE CROOKS WHO SNEAKILY STEAL YOUR MONEY FROM YOUR ACCOUNT, SAY THEY MADE A MISTAKE, BUT WON’T GIVE IT BACK!!! I opened my checking account year ago as a student account. I was never supposed to be charged a ridiculous $ 10 a month fee just to have a checking account. Somehow, someone changed my account type to a non-​student account and I started being charged $ 10 a month. By the time I noticed this, I was told there was around $ 100 in these fees. Since this was their fault, I asked them to reverse the fees, but they would only reverse $ 20! So basically they think they have the right to make a huge mistake, charge me money and then say” Whoops! Our bad! But… we’re not giving you your money back”. Honestly, this type of thing is frankly, a crime. Citibank steals from it’s customers.

I used to have accounts everywhere, until I started banking with Citi I never really trusted my bank. The staff at this branch has always been super helpful and Citibank really does look out for my best financial interests. I highly recommend them!

I came to this branch some time ago because my main Citi account was put on a security lockout. It somehow got compromised. Citi would not allow me to get to my own money. I therefore went to this branch in Saratoga simply to get help. They said they would look into what happened but in the process took my original ATM card.
In the meantime they assigned me to a manager with the single minded goal of convincing me to open a new account at her branch. My account was opened in New York City and due to the messy banking rules and the archaic nature of Citi’s policies, you can’t link a New York Citibank account to a California Citibank account.
So anyway, like an idiot, I agreed to open an account there and it was the standard BS… free checking if you maintain some minimum balance etc. I used this account for a little while but then moved to using my original account once the security breach was sorted out. So it turns out the minimum balance was quite high and I have been getting charged $ 10 a month which is absolutely ridiculous these days. It also turns out I overdrafted to around $ 200. Some division of Citi’s monstrous organization in collections called me to «collect» which I found very offensive. Also, she tells me my checking account shows negative 81 cents and gave me a number to call to settle that. I told her I was happy to pay her the damn 81 cents and she tells me she can’t handle that transaction!
I HATE CITIBANK! My business is with Citi and my personal accounts are with Citi. I will be closing them all (including the NYC account) and moving to a new Bank asap.

I’ve been coming to this bank branch for 10+ years, and I’ve always been treated with excellent service here. In particular, Diane is the most professional and courteous customer service associate I have ever met. I was really impressed by how helpful and positive she is.
The only reason why this isn’t a 5 star review is because one time they did not transfer money per my request when I opened a CD. Lesson learned: always ask for a receipt showing proof of what you ask for.
Nevertheless, they fixed the problem and also gave me the interest owed me (only a few cents and not what I was really after).