The money will likely be back at the CU in three to five business days. Citi probably rejected the ACH pull you setup using their system even after verifying the two small amounts they pushed to your CU.

Same thing happened to me except they didn't close my account so I ended up pushing the funds into the account and removing my CU information from their useless ACH system.

I got a Secure Message from their fraud division saying they rejected the ACH pull due to fraud concerns even though it was debited from my CU. Strange because I had obviously verified the test deposits into the CU account and it's the same CU I use to pay my CC bills (Citi pulls via ACH).

Something is messed up with the banking side of their house. I just hope my bonus eventually posts.