Great App; a few IT ideas.
See ITI continues to make their application more and more user-friendly. This shows the sign that the chief information officer is well aware of the position the user takes when using the APP. There are a few places where the app could be improved; that’s usually the case with any computer program. It’s possible that may be more rewards should be more available to users such that the users are not misled into thinking that they can use their rewards when they can’t! I would like to think that I’ve earned more than what’s being reflected in the app. Perhaps, see ITI bank should consider awarding more rewards for the length of time people have been clients of Citi or for different reasons and possibly make it easier to add more payment options; however, it’s an extraordinarily good application!
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Great app
The app has improved, but also with so many changes it has become more complicated to use. People want to use familiarity, every time they update the app, you have to learn how to do things differently every single time. For example, when you would transfer funds from one account to the other, before you used to select where you are taking the funds from and where they are going to, now when you go to the transfer section, it doesn’t tell you where from or where to, the moment you pick an account, that is automatically y where it is going to transfer to, and what’s worst it is the second line in the transfer information screen, before the first account you chose was where the money was coming from, and it was the first line, now it’s the second and it it the destination, when you try to correct it, you have to exit the entire section, and choose where your transferring to instead of just choosing another account.
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They will make payments without your auth
If you use this app to make payments DO NOT allow it to save your bank account information. On 6/12 they withdrew $100 from my bank account. I had $70 in my account to cover a $50 check I wrote and for groceries, until they decided to pay themselves. My payment was not even close to due. They so far cost me $32 in overdraft fees with more to come when my $50 check doesn’t clear. I immediately contacted them through the chat feature on the app. It was unbelievably frustrating. I am pretty sure I was chatting with a robot. They insisted I made the payment myself. Then they offered to return it. I said yes. After a couple days of them asking me to confirm I want a refund and me doing that they claim they finally processed it but it would be 5 business days before it was retuned. This started on the 12th. It is now the 22nd and they still have not returned my payment. They are worse than B of A and if this app is going to steal your money and you’re ok with that go ahead and download it. Otherwise I would stay away.
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Activate Card - only if you’re a new customer.
If you already have an account with citibank there is no way to activate a new card in the mobile app. They made a big deal out of the ability to take a photo of your card to activate it, but that’s only during the “Register” process. If you are already registered and want to activate a new card after signing into the app, you’re out of luck. Maybe try signing out and clicking Register again? Take a pic of your card and it forces you to create a new account even though it sees you already have an account. It just won’t allow you to continue when selecting your existing account. Is anyone test this banking app? I was hesitant to use mobile banking apps for a long time, and this is exactly the reason why. If they can’t get something as basic as card activation right on a mobile app, how am I supposed to trust them with the security of my accounts?
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Problems with posting - app is great
The app functions perfect i truly have no issues with it..my only problem is the first page that you pull up with your available balance(s).. It will show 0.00 when it is actually in the negative.. Not letting you deposit in time to avoid overdraft fees.. The same goes with making payments.. If i make a paymwnt today.. I want to see it hit my account and i want that money to go out today.. Too often do i check my balance see its good and a day later i log in and i got hit with overdraft when i saw a positive balance less than 24 hours ago.. Or a payment that i place today does not go out or post until 3 business days later.. But like i said those are banking issues not app issues.. Although it could show balance an then true balance underneath if it is in the negative on the first screen )quick menu)
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A Most Useful App!
This is the most useful app out there for Citi cardholders. Thanks to the Citi app, we discovered that, while on a cruise, the cruise line was charging some unknown person for our onboard purchases (their mistake). The cruise line does an authorization for every onboard purchase made and none were showing up on our account on the Citi app. A trip to Guest Services got us all fixed up. This would have been a big nightmare for us and the other mysterious cardholder if it hadn't been nipped in the bud. The Citi app has been very handy for us in many other ways too. When we make a purchase in a foreign currency, the purchase shows up instantly as an authorization in USD so we can see the exchange rate on the purchase. Then there are the obvious benefits of seeing unauthorized charges before they hit your account, how much is left on your credit line and checking statement, making payments, etc., etc..
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