Citibank has a very efficient staff whenever I have gone into their bank. However, I have had problems transferring money through them. I would make a money transfer order over the internet and it would not show up for a full 24 hours. This task was advertised as being immediate, which is a huge reason why I signed up with them. Additionally, Citibank never sent me my free checks when I first got the card. I think this was due to their office in Los Angeles, where I had been living. Their staff in New York seems more on top of it.