Citi Bank Review 2025. All You Need to Know

Global Presence and Accessibility: Citibank operates in numerous countries worldwide with a vast network of branches and ATMs, with US customers having access to over 65,000 fee-free ATMs nationwide.

Comprehensive Digital Banking: They offer robust online banking and a well-developed mobile app (Citi Mobile®) that allows customers to manage accounts, deposit checks, transfer funds, pay bills, and more.

Diverse Account Options and Relationship Tiers: The bank provides various account packages to suit different financial needs, from basic checking accounts to premium services like Citigold and Citigold Private Client.

Extensive Financial Products: Beyond basic banking, Citibank offers a wide range of financial products including credit cards with competitive rewards programs, personal loans, mortgages, investment services, and wealth management solutions

No Overdraft Fees: Citibank has eliminated overdraft fees on its checking accounts, which can save customers significant money compared to many traditional banks that charge $30-35 per overdraft occurrence.

Monthly Maintenance Fees: Many accounts come with monthly maintenance fees that can be relatively high compared to online banks and some competitors.

Lower Interest Rates on Savings: Their interest rates on savings accounts and CDs are lower compared to online banks and some brick-and-mortar competitors, making it less attractive for customers primarily focused on growing their savings.

Customer Service Challenges: Reviews frequently mention inconsistent customer service experiences, with some customers reporting long wait times, difficulty resolving issues, and challenges navigating between different departments.