Please, never ever use CitiBank. We have had it for under six months and have had nothing but problems with them. We often have missing money. Then when we check the statements it doesn't add up. No one is using the account, so that isn't an issue. Yesterday Dave called and asked how much we had in our account. They said we had 130. Then today he called and they said we were overdrawn 55. Hello. We didn't use that much money in one day. All we bought was McDonalds, and we didn't have any previous charges that hadn't already cleared. This has happened numerous times before. Now we aren't going to be able to make this week's rent because we have to pay the stupid overdraft fee and everything else. Plus, we needed the money that was already in there. The only thing I can think it was would be his loan payment getting withdrawn. However, they told him that wasn't going to be taken out until the 29th. So, this is a word of warning. CitiBank is a bad bank that will steal your money. Yes, we are switching banks. All we have to do is send in the money to the new bank. This one is supposed to be a better bank. Plus, it isn't a national bank. Those ones are supposed to be better. Yes, I am sure this bank won't go under. It just bought another bank, so I'm pretty sure this one is fine.