I am in NYC, had CitiGold, but closed it a couple of years ago and switched to HSBC online savings for higher interest rates. At the same time we also applied for Premier because we had 100k in our savings acct. Besides higher online savings interest earned, we also got a lower mortgage rate thru HSBC than Citi offered back then. On top of that since we're a Premier customer, HSBC gave us extra .25% off. so, total about 0.5% lower mortgage rate lower than Citi. ^

For the past few years since the financial crises, Citi's stocks lose over 90% of it's value. As far as I can see, don't think they ever going to recover.