Let me first mention what happened with me.
I got a new Suvidha account as a salary account. After five to six times verifications ( you need to prove you are you for this much times.
I think they usually forget customers ) When I got ATM card I went to ATM to change pin. I saw my balance was -1100 ( negative ). I called citi phone they told me that you have applied ( which I never done ) for various cards so you have been charged. For this negative balance they blocked my access to account through internet.
When I deposited money then they released the access. I refused to accept the extra cards & returned but still I didnt get back any money they charged from me.
Many times at ATM even if you enter correct pin it says wrong pin, and blocks ATM access for 24 Hours. & for urgency if you step in bank they will charge you Rs 100 + Service Tax ( Govt of India should not take Service Tax from Citi Bank .. Because they don’t give Service (:-)))
They charge 150 + Service Tax + Educational Cess every month for no reason under the heading ATM Card Charging
I suggest you all please do not go any of the service offerd by citi at least in india.
If you want to go for a good hightech bank go for UTI bank. It is really good