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Citi Locked Login Checking Accounts
I have covered a number of very good Citi checking account bonuses over the past year including their current offer of $400 for signing up which has just been extended. While getting a checking account from Citi can be lucrative, it can also cause headaches. Sometimes you have to follow up many times to get them to give you the bonus, but there is one far worse thing.
When opening up a Citi checking account you have the ability to link it to your existing online profile. It might seem like a good idea to have everything linked together, but DON’T do it. Once the bank account is linked to your credit card login, it becomes the dominant account. What does that mean?
Close Checking – Close Login
After cashing our her points from the Citigold deal last year and getting the reduced annual fee on the Prestige, my wife closed her checking account. An innocent enough decision, but it ruined everything. Since her login which has existed since long before the checking account was linked to it, she was locked out. When she tried to login it asked for the debit card number and account number of the checking. Since it was closed there was no way past this.
Citi reps know of this limitation and without worry, concern or care will simply tell you to create a new login. Who cares if you had secure messsages on that login or if you have 10 cards that you now need to re-link. My wife had one manager tell her that she shouldn’t have added her credit cards to her bank login. She explained that it was a credit card login before the bank account and the manager argued that it wasn’t.
How to Fix It
Since cards can only be linked to one online account and since you won’t have access to it, you need to call Citi and have them unlink your cards from that now dead bank login. Say goodbye to that user name forever! You then need to create a new login and one by one add in all of your cards. What a pain, but it seems to be the only solution according to Citi. I have had several reps say they can’t de-link the bank account from the old login.
Citi is a bank with a lot of quirks and this is one of them. Over the past month my wife and I both closed our Citi checking accounts and thus lost our logins. It has been a pain to get everything back up and running so I hope this article saves you from the same hassle.
Of course I also recognize that sometimes people find workarounds, so I am open to any and all suggestions in the comments. I have been told there aren’t any, but that doesn’t mean I am not hopeful!
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.