Just in case you are looking for a new bank steer clear of Citi. They have got to have the worst Customer Service reps I have ever spoken to. I get a guy with a thick Indian accent telling me his name is Joeseph Dawson. Please just tell me it's Mohammed or Suresh or whatever it is. Aside from that, i get hit with overdraft charges on a monthly basis when my account clearly has a possitive balance. I continuously have to call and speak with "joe Dawson" to get this shit fixed. If I trusted the bank to do it right it would have cost me $3000 by now now in erroneous fees. I would choose a sharp stick in the eye:eyepoke: before I opened another account with them. I'll be looking for another account at lunch today.