# I pit Citibank **URL:** \ **Category:** The BBQ Pit\ **Created:** [November 2, 2006, 8:21pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887 "2006-11-02T20:21:57Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 2, 2006, 10:18pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/21 "2006-11-02T22:18:17Z")
[QUOTE=Ensign Edison] Right – you can’t answer my points, because you’re completely wrong. Just answer the first one, at least. Is there any limit to how much you think it is acceptable for Citibank to charge per check? [/QUOTE] Not until we see pics of that hot broomstick loving, big boy. ---
**Author:** ![Giraffe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/giraffe/32/129_2.png) [@Giraffe](https://boards.straightdope.com/u/Giraffe)\ **Post date:** [November 2, 2006, 10:28pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/22 "2006-11-02T22:28:51Z")
[QUOTE=Oakminster] Ooooh…mod snark. Delicious. Try me again when you get good at it. [/QUOTE] Maybe I should try your patented two-step approach: 1. Create an imaginary complaint and criticize the OP for it. 2. Scream obscentities at anyone who responds to #1. It’s simple, yet dignified. I like it. ---
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 2, 2006, 10:38pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/23 "2006-11-02T22:38:38Z")
[QUOTE=Giraffe] Maybe I should try your patented two-step approach: 1. Create an imaginary complaint and criticize the OP for it. 2. Scream obscentities at anyone who responds to #1. It’s simple, yet dignified. I like it. [/QUOTE] You haven’t seen me get nasty yet. I’m just having fun. When I do get nasty, you’ll know. And, ipso facto e pluribus unum, the OP is whining about a service fee he incurred by his own stupidity. Same fee applies to everybody that fucks up. Boo hoo. My heart bleeds peanut butter for him. Now go away before you annoy me, and I’m forced to taunt you a second time. ---
**Author:** ![Cheesesteak](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cheesesteak/32/3694_2.png) [@Cheesesteak](https://boards.straightdope.com/u/Cheesesteak)\ **Post date:** [November 2, 2006, 10:45pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/24 "2006-11-02T22:45:23Z")
[QUOTE=Oakminster] Same fee applies to everybody that fucks up. [/QUOTE] Ipso facto, you’re just a fucking idiot because that fee only applies to Citibank customers who fuck up. Apparently, Bank One customers get charged a lot less. ---
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 2, 2006, 10:46pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/25 "2006-11-02T22:46:41Z")
[QUOTE=Cheesesteak] Ipso facto, you’re just a fucking idiot because that fee only applies to Citibank customers who fuck up. Apparently, Bank One customers get charged a lot less. [/QUOTE] Oooh…nitpicking in the pit. That’s ubercool. Now please go blow a goat. ---
**Author:** ![Ensign\_Edison](https://avatars.discourse-cdn.com/v4/letter/e/7ab992/32.png) [@Ensign\_Edison](https://boards.straightdope.com/u/Ensign_Edison)\ **Post date:** [November 2, 2006, 10:50pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/26 "2006-11-02T22:50:20Z")
Nit…picking? Oh, I see. You’re shitfaced. ---
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 2, 2006, 10:55pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/27 "2006-11-02T22:55:03Z")
[QUOTE=Ensign Edison] Nit…picking? Oh, I see. You’re shitfaced. [/QUOTE] No, I’m not. That’s the problem. I’m at work and my cold meds wore off. In about 8 minutes, I will be going home and doing a double shot of Nyquil. Woohoo!..Well, ok, not so much woohoo…that shit usually knocks me out, and gives me weird dreams. Tonight, for example, I anticipate dreaming of Citibank chasing customers with broomhandles, while a Giraffe in a mod jersey gallops by…or maybe I’ll fire up ye olde lava lamp and put on _Dark Side of the Moon_… ---
**Author:** ![Merijeek](https://avatars.discourse-cdn.com/v4/letter/m/f05b48/32.png) [@Merijeek](https://boards.straightdope.com/u/Merijeek)\ **Post date:** [November 2, 2006, 10:56pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/28 "2006-11-02T22:56:59Z")
Is **Oakminster** retarded? Anyone? Anyone? -Joe ---
**Author:** ![D\_Odds](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/d_odds/32/2882_2.png) [@D\_Odds](https://boards.straightdope.com/u/D_Odds)\ **Post date:** [November 2, 2006, 11:02pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/29 "2006-11-02T23:02:34Z")
[QUOTE=Ensign Edison] Also, is there a reason why other banks don’t feel a need to charge $5 a check? After all, since in your view it’s so obviously right and true that the customer deserves a penalty for forgetting to order more checks, why would any bank let people off? Kindness of their hearts? Couldn’t be good business policy, of course – any fee that was so clearly reasonable wouldn’t drive decent people away. I guess those other banks are just catering to the irresponsible and lazy because they’re such good customers? [/QUOTE] Citibank doesn’t really want most people’s business, unless you’ve got oodles of money. They just can’t be seen as discriminating. Citibank isn’t alone here. Many commercial banks view individual depositors with less than 5-digit balances the same way. I’ll even go so far as to guess that **DragonAsh** doesn’t have a Citibank credit card and doesn’t use other Citibank services. I could be wrong, but these kind of things figure into getting these fees waived. Other banks, like Commerce, specialize in helping the consumer, and adopt policies and cost structures that are friendlier. ---
**Author:** ![Guinastasia](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/guinastasia/32/5751_2.png) [@Guinastasia](https://boards.straightdope.com/u/Guinastasia)\ **Post date:** [November 2, 2006, 11:02pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/30 "2006-11-02T23:02:47Z")
[QUOTE=Merijeek] Is **Oakminster** retarded? Anyone? Anyone? -Joe [/QUOTE] No, he’s far beyond that. ---
**Author:** ![kaylasdad99](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kaylasdad99/32/3398_2.png) [@kaylasdad99](https://boards.straightdope.com/u/kaylasdad99)\ **Post date:** [November 2, 2006, 11:03pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/31 "2006-11-02T23:03:07Z")
OTTOMH, I’d say **Oakminster** is a lawyer with a bad cold that is making him cranky. But not retarded. ---
**Author:** ![Giraffe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/giraffe/32/129_2.png) [@Giraffe](https://boards.straightdope.com/u/Giraffe)\ **Post date:** [November 2, 2006, 11:06pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/32 "2006-11-02T23:06:48Z")
[QUOTE=Oakminster] No, I’m not. That’s the problem. I’m at work and my cold meds wore off. In about 8 minutes, I will be going home and doing a double shot of Nyquil. [/QUOTE] So you didn’t know you’d be at work for eight hours today and couldn’t bring cold medicine with you? ---
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 2, 2006, 11:34pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/33 "2006-11-02T23:34:31Z")
[QUOTE=Giraffe] So you didn’t know you’d be at work for eight hours today and couldn’t bring cold medicine with you? [/QUOTE] At work, all I can do is those lame weak ass “daytime cold medicine” things. That just don’t cut it. I’m hardcore. Gotta have the good shit. Namebrand Nyquil. Blue-green elixir of the Gods. It’s thick. It’s syrupy. Makes my fingers sticky, and it gives a helluva buzz. Oughta be kicking in any time now… What was this thread about again? Pun contest, wasn’t it? I nominate that Oedipus thing I did in the other thread. That was cool. ---
**Author:** ![Really\_Not\_All\_That\_Bright](https://avatars.discourse-cdn.com/v4/letter/r/e8c25b/32.png) [@Really\_Not\_All\_That\_Bright](https://boards.straightdope.com/u/Really_Not_All_That_Bright)\ **Post date:** [November 2, 2006, 11:35pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/34 "2006-11-02T23:35:09Z")
Um, **Oaky** , you’re being a bit of a twat. The OP is complaining about how unreasonably high the service fee is, not that a fee exists for this service. His complaint is quite reasonable. Incidentally, I use BoA and the last time I needed a cashier’s check the woman politely suggested that I simply withdraw the amount in cash and go to Publix, where the same service was offered for $8 less. I was in a hurry so I didn’t, but it was nice of her to do that. ---
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 2, 2006, 11:40pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/35 "2006-11-02T23:40:48Z")
[QUOTE=Really Not All That Bright] Um, **Oaky** , you’re being a bit of a twat. The OP is complaining about how unreasonably high the service fee is, not that a fee exists for this service. His complaint is quite reasonable. [/QUOTE] Harrumph! It’s Oakie. Karana wills it to be so. And I ain’t being a bit of a twat. No girly man here. I’ve been an asshole, but a mildy comedic one. So, you want a hit of Nyquil? ---
**Author:** ![Giraffe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/giraffe/32/129_2.png) [@Giraffe](https://boards.straightdope.com/u/Giraffe)\ **Post date:** [November 2, 2006, 11:44pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/36 "2006-11-02T23:44:04Z")
[QUOTE=Oakminster] At work, all I can do is those lame weak ass “daytime cold medicine” things. That just don’t cut it. I’m hardcore. Gotta have the good shit. Namebrand Nyquil. Blue-green elixir of the Gods. It’s thick. It’s syrupy. Makes my fingers sticky, and it gives a helluva buzz. Oughta be kicking in any time now… [/QUOTE] Fuck you, you stupid ass-faced fuckhead! Fuck yourself with a rusty pipe, and then fuck your shitty cold medicine! Dumbfuck. ---
**Author:** ![Jackknifed\_Juggernaut](https://avatars.discourse-cdn.com/v4/letter/j/9de053/32.png) [@Jackknifed\_Juggernaut](https://boards.straightdope.com/u/Jackknifed_Juggernaut)\ **Post date:** [November 2, 2006, 11:45pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/37 "2006-11-02T23:45:08Z")
In my line of work, I’ve had to deal with every major bank at some point or another. The company that I work for is a large Fortune 500 corporation, so that’s expected. Well, Citibank is the one major bank that we absolutely refuse to hire. Prior to my working here, they managed to screw up so much that the former CFO made it an internal policy to never hire them for anything. They’re better known around here as Shitty Bank. ---
**Author:** ![OneCentStamp](https://avatars.discourse-cdn.com/v4/letter/o/13edae/32.png) [@OneCentStamp](https://boards.straightdope.com/u/OneCentStamp)\ **Post date:** [November 2, 2006, 11:55pm UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/38 "2006-11-02T23:55:52Z")
[QUOTE=D\_Odds] Citibank doesn’t really want most people’s business, unless you’ve got oodles of money. They just can’t be seen as discriminating. Citibank isn’t alone here. [/QUOTE] Reminds me of that ritzy shopping center on _The Simpsons_ and its slogan: **Our Prices Discriminate Because We Can’t**! 😃 ---
**Author:** ![Oakminster](https://avatars.discourse-cdn.com/v4/letter/o/77aa72/32.png) [@Oakminster](https://boards.straightdope.com/u/Oakminster)\ **Post date:** [November 3, 2006, 12:04am UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/39 "2006-11-03T00:04:46Z")
[QUOTE=Giraffe] Fuck you, you stupid ass-faced fuckhead! Fuck yourself with a rusty pipe, and then fuck your shitty cold medicine! Dumbfuck. [/QUOTE] Sigh. Your pitfu is weak, Giraffehopper. You got to either bring the venom, or bring the funny. As venom, the above is too over the top to be effective. As funny, it isn’t very. 5/10. ---
**Author:** ![DragonAsh](https://avatars.discourse-cdn.com/v4/letter/d/db5fbb/32.png) [@DragonAsh](https://boards.straightdope.com/u/DragonAsh)\ **Post date:** [November 3, 2006, 12:17am UTC](https://boards.straightdope.com/t/i-pit-citibank/378887/40 "2006-11-03T00:17:24Z")
[QUOTE=Oakminster] So you screwed up by running out of checks, and somehow that is Citibank’s fault? [/QUOTE] I’m sorry, this is the Pit. The room for Reading Comprehension 101 is down the hall to your left. Do come back once you’ve picked up the basics. :rolleyes: **Really Not All That Bright** has it exactly right. A bank wants to charge a fee for a service, that’s reasonable. $5 for one temporary check is not reasonable. For the record, I have a full range of products with Citibank, including a credit card and a savings account with close to six figures in it. I did, in fact, point this out to the clerk - I was actually quite nice at first, even joking about the $5, figuring that she would be able to have the fee waived (or at least include a few more extra temp checks) once she realized she had a long-time, relatively good customer. But nope. Citibank has pissed me off in the past, but I’ve put off switching mainly because of the PITA factor. Today, however, was the proverbial last straw. Oh, and it is with no small amount of irony that I can tell you that in Japan, Citibank is indeed pronounced Shitty Bank. A case where foreign pronunciation is more accurate than the original… [Previous page](https://boards.straightdope.com/t/i-pit-citibank/378887.md?page=1) [Next page](https://boards.straightdope.com/t/i-pit-citibank/378887.md?page=3)