I am so disappointed on the lack of service I received which left me without money and over draft fees pilling up! I deposited a check into the ATM that needed to be endorsed by my husband and myself , which was completely my error. Now keep in mind both of us are on the account. They noticed one of the signatures was missing BUT INSTEAD OF CALLING THE CUSTOMER TO HAVE THEM RETURN TO THE BANK TO PROVIDE THE MISSING SIGNATURE they thought hay it's better to send the check out in the mail and reverse the deposit! They are only $600 in the red! No money at all but that's ok! I call and was told by Edward that there was nothing they can do. I have been a business customer with Citi Bank for 15 plus years and the service has gone down ! They no longer work traditional bank hours , they do not have many branches in Nevada, they use to have ATM locations at 711 which now they have closed, and now they can't be bothered to make a phone call to inform their clients. If you decide to open an account no matter how enticing they make it Remember my situation as a customer of 15+ years!