My dad is with Navy Federal so I have an account under him and I also use Citibank. I absolutely hate Citibank, my APR for the credit card I have (granted its $22 overdrawn right now) is sky high, almost 17%, even though I've NEVER made a late payment. Mind you, I've been a Citicards holder since 2007. My APR was 12% and when the economy took a dive everyone's APR shot up.
I don't really have a problem with Citibank's checking/saving other than because I keep less than some ridiculous amount of money in my checking (I think its like $1000 minimum), I pay like a $15 a month service fee. Only if you have the $1000+ is that charge waived.
