Have been Citibank customer for 10 years. Last year I was convinced to move to CitiGold account, previously my accounts were linked so that if I wrote a check in one account and I had funds in another account, it would be covered. I assumed that I would have the same coverage in my CitiGold account, ha! More expensive account, worst customer service. In August wrote a check from my checking account and it was short a little, CitiBank refused the check, even though I had $1,000's available in my savings account. I was charged fees from another bank, paid late fees to the supplier and had additional cost associated with the transaction never reimbursed by Citi, more importantly my reputation ruined. I called Citi in August, they apologized, couldn't understand why it happened, I was promised it would never happen again, they LIED and I believed them. It is now October wrote a check from my CitiGold checking, it was short a couple hundred, had $1,000's in my savings account, felt secure that the CitiGold representative promised it would never happen again. Guess what? It did! They lied to me, it appears that someone at Citibank did not link my accounts and even though I called in August and they knew there was a problem and I was promised, my accounts where not linked then either. I called CitiBank, and they have promised again, it will never happen, should I trust them....hahaha. More importantly they refuse to honor the check that I wrote, so the worker whom provided me services, spent their money to buy items, is a tiny business owner and has a family to feed, the check was returned NSF (because Citi does care about the actions they do that harm others, considering it was completely 100% there fault) and they now I will have problems because CitiBank is does not keep promises, lies, etc. Anyone reading this, do not trust Citibank. read more