So after some analysis, I am downgrading to the Citibank Account Package. I really see no difference between this level which requires a $10k balance and the Citi Priority level which requires $50k. With current interest rates at just over 1% that's a $400 annual difference to keep Citi Priority. Both do not reimburse foreign ATM fees. Citi Priority offers free checks - but I will order checks before I downgrade and that should last me more than 10 years (I mean who writes paper checks any more?). I likely lose the waived $95 AA annual fee either way - and even if I didn't that's still over $300 in annual interest I'd save by earning elsewhere. Oh and I suppose I lose a few Thank You points too. No big deal there for me.

Anything I'm missing here?