I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money. 
