I signed up for the Citibank Everything Counts account while I was a student. It was a great plan! Gave me free checks at no cost to me and I can still order free checks, even post-graduation. ATMs are worldwide; I was able to access my account in China. Money transfers are easy, online and at the ATM. Highly recommended service.
I have had a Citibank credit card for many years. If I make a transaction out of my "normal routine" my card will be declined and I will be immediately notified. Although it is inconvenient to have my card declined, I feel good that they are looking out for me. I have learned to use the travel notifications so I can go away and not have my transactions interrupted. Also, I can now authorize a transaction via text message. I hate to say it, but I'm actually happy when my card is declined. Thanks Citibank!