Bohemian said:I mean absolutely don't allow credit cards to withdraw money from ATM by DEFAULT. When you issue credit card to customer, set the amount to $0 for all credit cards. The bank is forcing customers allowing limited amount to withdraw money using credit card. As a customer, I see it as a trap. Most banks also don't clearly explain about finance charges, most of such information is hidden somewhere in agreement in small letters.
You are digging yourself into a deeper hole here. I guess they could fix the problem by requiring a minimum of having a 6th grade reading comprehension. If you know so little about how credit cards work you should not even have one.

Bohemian said:I am just asking for FAIR business practice. I am agreeing to mistake, but could bank help me to fix this mistake for my future transactions?Please stop now. No one else has this "problem" but you. Figure out why.

Bringing the topic back on track...after several months of deciding between these 4 banks...i settled for HSBC....and just in time for them to have bumped their rate.....

most people have complained about the time it takes for all the information to be mailed to them etc, it was not that bad. I had my account setup within a week , 8 days....

What I like about HSBC is the fact, that I can use it in international countries. I opted for the ATM card and not the debit card, because of the additional surchases with the Mastercard debit.

All in All..its been a good experience..

and...one more thing...GMAC is highly regarded as from many posts, but it did not have quicken support...HSBC had..which was another plus.

deepakhj said:They [Citibank] are also removing the outgoing ACH fee.

Where did you hear this? When will this take effect? I couldn't find anything about free outgoing ACH on on the site. That would be a frickin sweet added incentive to stay, as you can add nearly any type of account with an aba and acct #.

Looks like it's happened. Check the fees page again... Inter-Instituion transfers are now free. And get this: there's no charge either for "standard" (3-day) service *or* "next day" service!

No idea how they do this... I thought ACH was a 3-day wait, mandated by law. (Or maybe "standard" service is the legal wait /plus/ three extra days?)

I'm trying to make some decisions and have a couple questions you guys can probably answer:

1) Is it possible to open multiple GMAC accounts so that you can get around the 6 transfer per month limit? I'm thinking of using GMAC for automatic bills since many places require a voided check.

2) How fast are transfers from Citibank E-Savings into Citibank Checking? I assume it's instantaneous. If so... is there a cut-off time for same-day transfers?

Thanks!

keensyntax said:2) How fast are transfers from Citibank E-Savings into Citibank Checking? I assume it's instantaneous. If so... is there a cut-off time for same-day transfers?It's instantaneous; I do not believe there are any cutoffs or times when it is not instantaneous.

kidchico said:I am looking for the past rates of these accounts, plus others such as capitalone, gmac to see how often they go up. Any help??interest rate evolution at online savings accounts (HSBC, ING, Emigrant etc.)