Your welcome btw just so you know I have no proof that Citigroup want people with small accounts to close there accounts and leave that is just my guess only as all other banks offer free brokerage accounts with no fee's at all like Wamu, Wells Fargo, BOA, Wachovia, Sun Trust, Fifth Third Bank etc.

All other banks offer self service options too. Citigroup no longer offers a self service account at all as they killed off CIS which was there self service division and converted all CIS accounts to Smith Barney account this year in April.