I have personal accounts with Citibank. I like their website okay. Some features are helpful, like the expense categorizer tool. And I often use the e-bill payment option, which I assume is standard with all banks. I also like that I can nickname my accounts so I don't have to remember which account is which.
Now, I just opened a Citi business account and after going through all the extra security measures to sign on with a token at www.citibusinessonline.com, I was taken aback at how crappy the look and feel of the Citi business user interface is. It looks like a grade school project. There is hyperlinked text for everything, no graphical buttons. It takes about 4 clicks just to get to see your account's transactions. 4 clicks!! On the personal Citibank site, you sign in and you get presented with an overview of all your accounts right from the get go. But the business online experience is a totally different animal. It looks like it was done in the 90s and then never updated again (It still uses frames, which are no longer supported in HTML5).
I called the Citibank Business department and very politely let them know that I feel I've been suckered into using Citibank for my business needs because they sell you on the regular Citibank website that has all the bells and whistles. I spoke to a supervisor and he spoke to a level 2 guy, but at the end it was just "thank you for letting us know."
The sad part is that I get charged $20/m for the business account (my personal accounts are free). For what? For a lousy, half-assed online experience? Citibank pays its CEO millions of dollars but it can't even allocate the funds to get a web development/design team together that replicates or improves upon the personal Citibank website? I am very disappointed in Citibank. What we need is a company like Google to start a brick-and-mortar bank and shake things up in the online bank user experience field.
They will nail you for the most honest mistake. I've been using their mobile app for over a year, and I've never had issues, until now. Apparently, I inverted my numbers and it easy to see how a person could make a mistake like I did, and they hit me with a $20.00 penalty fee. Do not use the Citi mobile app unless you're certain you won't make a mistake. Isn't the purpose of taking an image of your check for verification purposes, in case the customer put the wrong dollar amount into the data entry box? Meaning, they do not work on an honor system which is understandable, but furthermore, it's to catch mistakes a fix them. Not fix the mistake, and then harshly penalize the customer for making the mistake. When I go to the teller, and in the rare case I come with the wrong amount, they call me and tell me the amount was adjusted. There's no penalty issued.
An easy fix: put a disclaimer that explains in the mobile app, if the amount is entered wrong, you may subjected to a steep return fee. The app doesn't warn of this, so I believe that a first time mistake should have no penalty. Have a little compassion. They see how much I make biweekly, which is a dismal. This return fee hit me hard.
Citibank certainly is not in business for it's customers. What you get with Citibank is basically 'sorry about your luck' kinda attitude anytime there is a problem. I regret my decision to switch from PNC and am currently working to go back to PNC. No local branch, no local ATM, no way to do banking in person. Sorry Citibank, but your services are horrible!! I wish I could give less than a 1.