They don't really offer great rates. I don't even keep much money in this account anymore.

I signed up for the Citibank Everything Counts account while I was 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.

You may find Citibank branches abroad. Easy access your money in the US from overseas.

I like it because I have easy access to it when I need it whereever I go.

It's convenient to use thanks to many ATMs in the city.

I signed up for the Citibank Everything Counts account while I was 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've been using Citibank since I came to NY 10 years ago and it's fairly basic. I haven't had any major problems with them and I avoid fees by having automatic deposit of my paycheck. However, I think my account is still labeled as a student account...haven't had time to work that out. The one thing that I do think works, though, are the "Thank You" points you accumulate and that you can redeem. One complaint is that they convinced me to sign up for a Money Market Account and they didn't tell me about the fee which was +/- $10 per month so I cancelled it.

While their services are fine, there are other banks that offer similar with no maintenance charges.

They don't really offer great rates. I don't even keep much money in this account anymore.

I've been using Citibank for 10+ years now and have had minimal problems. Twice my account has been compromised due to using freestanding ATM's in NYC, and both times Citibank quickly canceled my cards and reimbursed the money into my account. Online account access is great and very user friendly, I no longer use stamps - make all of my transactions online. I also have a Citibank savings account and transfers and payments between my accounts have always been seamless. I highly recommend Citibank for personal banking.

Citibank offers you the same services that most other free checking accounts do, such as WaMu and Commerce, but with annoying fees! I say that while reliable, if you are looking for basic checking, go with one of the free accounts. However, it is advantageous to have an account with Citibank if you are seeking other financial services from this institution.

Gives me options with different types of checking accounts. Can use debit or credit card connected to my checking account.