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  1. I took one of these Citibank bonus offers for a checking account, and it was a nightmare. This bank is just unbelievably unprofessional and inept. They did not follow through on a single thing that they promised. Example: it took 10 days to verify the bank account I was transferring money from instead of the “2-3 days” they promised. I never got my welcome packet, which means I never got the all-important “debit card and PIN,” without which I could not access my online account. Getting both the ATM card and the PIN took multiple calls and several weeks. Finally I was able to access my online account – which immediately BROKE my pre-existing Citibank credit card account. That required almost an hour on the phone with tech support to get it unsnarled. Unsurprisingly, my bonus did not appear. After more online chat sessions and phone calls I finally found someone who took care of it. 6 months has now gone by. The bonus is in my account at last, and I can hardly wait to try cancelling the account. I hope it doesn’t take another 6 months to extricate myself from this mess. Assuming closing the account goes smoothly, I’ll have had $16K tied up for 6 months to earn a measly $400. It wasn’t worth it.


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