writetorich

Do we have others who experienced this as well.

Is a ACH (paypal or HSBC direct e savings qualify as Direct Deposit transaction??

MiamiBeach

No, that's not accurate. You can get AA miles OR ThankYou points, never both.
I transfer $10 to and from a non-Citibank checking account every month, and that seems to count as a Direct Deposit for me (my 7th product).

chix

[QUOTE=MiamiBeach;6692074]No, that's not accurate. You can get AA miles OR ThankYou points, never both.

But you do get TY points for your checking and CD's, etc., correct?

writetorich

[QUOTE=chix;6864335]nah, chix actually not correct.
you made the mistake of appying reasonable, logical and common sense intutition in drawing your assumption.

Remember we are talking about Citibank here

Only one CHECKING acct per citigold account allowed.
Only one ATM card for one checking account.
In order to get the monthly points based on relationship package and numer of produts services a month ( the 1200 a month max grid) your ATM card /debit card must also be TY points.

Also it gets worse.
you need to 'upgrade' to the free ty point network card.
the first issues will be regular. no monthly points. no ty points for debit use.

I wanted to sign up for a citigold package in response to a 20,000 ty points for $1500 deposit and 2 bills paid electronically monthly or direct depost monthy for six months.

I was told over and over again after wasting immense time and effort by different people in the chain of command at the branch as well as 800 # that I would NOT get the 20,000 points with the GOLD relationship. That in order to get the 20,000 points I had to open what they call a "blue" relationship and then upgrade!!!

Anyway, after about three weeks ( I did it november 30 th , last day of promo), I am really disappointed with citibank.

writetorich

The application process was dreadful.

person after person was completely unresponsive , and not knowlegdeable.

I could go on and on.

Suffice to say Citi is not a culture of service and competence.

I regret getting the chairman card.

The more I see the marketplace the better American Express looks to me!!!


What you need to do is establish a 'seprate relationship package" FROM your citigold acct.
you need a blue relationship.

Look at "Access Checking".
comes with the option for an AAdvantage debit card.
you will have to pay $65 first. Then call 800 number and try to get it waived , refunded.
say you are citigold customer and it is suppose to be free.

BTW, I will not be following the above advice.

Citi is so bad that I have no intention of making them my bank just because the give you points.
That is penny wise and dollar foolish.
I really intended to try them in good faith.
well I did and I know they are not for me.
I will fufill the terms of promo and keep my bank.
I said I opened Nov 30.
But I must have been talking with them about citigold snice around Nov 10 th or so.

So I base my opinion on over a month.

Finallly, IMHO, the website is not great.

And This is their claim to fame!!!

The next dayACH pull from your other EXTERNAL accounts is limited to $1000!

and you had to have done a standard ACH pull 20 days before from that account.

I don't know about you, but a $1000 transfer is not something I would ever do.

If I want to wait 3 days for access to my own funds, I could go to a branch and deposit a check.
oh but that would cost citi money-- interacting with a human teller.

Its crazy, Citi does a hard credit pull --- AFTER LYING TO YOU THAT IT IS A SOFT pull -if you are a cc customer.

Besides a credit report, they actually verify info on the app.

I don't get it. Citibank treats EVERY new depositor as if they are a crook out to cheat citi.

I am puzzled by CIti business practices.

rrgg

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artemis021

I too have had a billion problems just opening up a Citibank account. Apparently when I opened it over the phone, they gave me an IL account, not a DC account, so my local branch couldn't find me in the system. Access to money's been blocked, I've gotten two different debit cards and different checking accounts, I've wasted hours on the phone trying to get the situation resolved.

I was planning on making Citi my primary checking account, but I have no desire to now.

drbond

hmmm.

Tintin

I am a Citigold and my CD is maturing next month. Citi dropped their APY recently. e-Savings is now 4.75% (from 5.00%) and 6-months CD is at 5.00% (from 5.50%).

As a Citigold, can I get a higher rate? Can a personal banker help me here? I am in Chicago, IL.

Also, does CDs from Smith Barney count towards Citigold requirement of $100000 balance? Smith Barney is offering an APY of 5.15%.

Thanks,
Tintin