I have been banking with Citibank since last 4 years, have had 2 credit cards from them too. I have really enjoyed banking with Citibank, as I never had to go to the bank for anything, everything is online and it gives the best online experience, Nowadays with the citi mobile app, I do a lot of transactions on my mobile. There has never been any undue charges what so ever.
Once I was in Delhi and I withdrew 1500 from state bank of Mysore, but only 200 came out, I called citiphone and they immediately refunded 1300 and said they will check the genuineness of my claim, if they find it correct they will let it stay or else take the money back. I guess my complain was found genuine hence the money stayed in my account.
I would highly recommend this bank specially if you have more than a few lakhs to deposit as citibank is too big to fail ;-)
Thanks you!!