Follow the terms of your account strictly. There is no flexibility. You mess up, too bad. Conversely, the bank won't screw around either -- it abides by the rules. In other words, business is business as to the banking side. The computer site for on-line banking is neat and highly functional. It is also very reliable. The ATM system is also very good and I have seen the expansion to other areas such as the DC-Metro area and South Florida -- the more well-to-do parts of the USA, making access a bit easier. Just don't go to less populated areas without a 711 convenience store (recent data theft aside). As to the brokerage/investment, non-FDIC side, it is messed up, especially the self-directed brokerage part. I say that with reticence because the potential for having everything under one "roof" is great and I have been hoping for Citigroup to make this part better. The self-directed brokerage is not part of Citibank. Rather it is attached to another Citigroup subsidiary called Citigroup Global Markets, Inc. or CGMI. Smith Barney is really CGMI. The self directed part, MyFi, is also CGMI and it is in total flux. Fees are partially undisclosed at this time. Smith Barney advisors seem to be out for their own pockets -- one nice chap did not really know what SPIC insurance did. Another once wanted to sell me an annuitiy inside an IRA because it was paying a good return; my IRA is where I have any assets. Hmmm. Stay with the banking side, be careful about CGMI -- Smith Barney/MyFi.