Just called to ask what the difference is between esavings and ultimate. According to Citi, the only two differences are that Ultimate has a higher interest rate and esavings requires that you link a checking account. I asked her why anyone would choose esavings, she said she didn't see why anyone would. Also, there are no monthly fees. The note on the website (according to Citi) refers to the fees which might be incurred by a linked account. I wasn't the first to ask and the CSR noted that the website was badly worded.