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Citi allows BT's to bank account online Archived From: Finance

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alert mods    
   posted: Jul. 24, 2007 @ 1:04a

stardent said:WalStMonky said:OK, made me look. I don't see any changes to my BT page. Could someone be so kind as to point to where this option is?

To the best of my knowledge this has never been available from Citi previously. Perhaps bterwilliger has a special 'in'.

Yes, there are boatloads of 0% no fee BTs from Citi. The rumors of their demise has been greatly exaggerated.

I'm glad I read your post because all I knew was that BT on my Premier Pass Elite card had been hiked up to $200. I checked my account again and there it was - a BT offer for 12 months and no fee!
Transfer to bank account didn't work though. I kept getting an error so I opted to receive a check by mail instead.

as far as i know, it has never worked. it's always been an option online, but that option has never worked.

can anyone here confirm BT'ing to a bank account? not the dumb button online, but actually going through all the way with it


alert mods    
   posted: Jul. 24, 2007 @ 1:46a

I don't get it. Are we talking about something different here? I read on the various BT threads, that the easiest BT's are with Citi cards directly to the checking account. So, I went ahead and did such BT's on three of my cards that had no fees, that's over 6 months ago. I could see the option on all my Citi cards (business and personal - 6 total), when clicking to see available offers, but the rest had a fee (the 3 that did not were new ones).
So, are we talking about something else?

Edit. And of course I am not talking about receiving a check. Clicked deposit to my account, the money got transfered...


alert mods    
   posted: Jul. 24, 2007 @ 1:52a

The thread is about being able to electronically transfer the funds vs depositing a check which you have to wait for to arrive and then clear.


alert mods    
   posted: Jul. 24, 2007 @ 7:40a

Didn't work on mine. I had to get the check.
Its gave me an error and said try again later.


alert mods    
   posted: Jul. 24, 2007 @ 12:09p

Straight from the BT page for one of my citi cards:

Don't pay for a high Purchase APR or an even higher Cash Advance APR...
Select this offer to enjoy a low rate and get a check that can be deposited into your bank account—then use it any way you want!

Please remember, this 0.00% APR is for Balance Transfers only, and does not apply to Purchases or Cash Advances made using your card. We may increase this 0.00% APR if you default under any Card Agreement that you have with us. Payments are allocated to pay off lower APR balances before higher balances. You may transfer any amount, including any balance transfer fees that may apply, as long as the total amount does not exceed your available credit line.

0% until Feb '08 with an uncapped 3% fee (unfortunately)


alert mods    
   posted: Jul. 24, 2007 @ 1:20p

just checked all my citi cards.

the bitibusiness card seems to be the best because there are no balance transfer fees and the duration is 12 months from the date the first trasnfer is posted.

im thinking of investing this money for 12 months in some stock. maybe 10 grand.

what do you guys think?


alert mods    
   posted: Jul. 24, 2007 @ 1:42p

Weird, on my balance transfer page, I click "check for offers" and it presents me with "deposit money in my checking account" the same as it always has. Maybe they targetted that feature to only some users (since all of my cards have had it)?


alert mods    
   posted: Jul. 24, 2007 @ 1:57p

I just checked my account and there is no sign of the checking account option (just the standard BT and the send a check option). Makes sense, Citi doesn't like me much at the moment (they just turned my down for a CLI due to my outstanding balances from my January AOR).


alert mods    
   posted: Jul. 24, 2007 @ 2:22p

I just completed a a BT from CITI Business. The option was there to deposit money into bank account but would not accept either of the two account numbers I entered. Could it be that it somehow knows the accounts are my personal accounts and not business accounts?


alert mods    
   posted: Jul. 24, 2007 @ 3:08p

This option is in neither of my CitiBusiness or my personal accounts.

UPDATE: I just looked at my one old Citi personal acct and it does have the BT to checking option (although this acct does not have a 0% BT offer with capped fee). I think the offer might be dependent on the length of account open since my other accounts are pretty new and do not have the BT to checking option.


alert mods    
   posted: Jul. 24, 2007 @ 3:09p

I have a new Citi Biz card less than 1 month, can't find this option, my old Citi Personal does have this option


alert mods    
   posted: Jul. 25, 2007 @ 2:16a

Same here.

BobbyRobert said:I just checked my account and there is no sign of the checking account option (just the standard BT and the send a check option). Makes sense, Citi doesn't like me much at the moment (they just turned my down for a CLI due to my outstanding balances from my January AOR).


alert mods    
   posted: Jul. 25, 2007 @ 3:33a

Weird, two days ago I had a no-fee 6.90% BT offer on my Dividend.
Now, after I overpaid the card and I was ready to initiate the BT to checking, the offer is gone.


alert mods    
   posted: Jul. 25, 2007 @ 9:20a

I can confirm both my old Citi personal and my new (4 month old) Citi Biz at 0%
now have this option and didn't before.


alert mods    
   posted: Jul. 25, 2007 @ 9:33a

Did you try to use this option? Mine kept giving me an error message. See Above


alert mods    
   posted: Jul. 25, 2007 @ 10:22a

invisible said:Are people getting no-fee or even a capped fee BTs from Citi lately ?

I've pulled $62K in 0%, no-fee Citi BTs in the past month. Offered on my various Business, Professional and AT&T Universal accounts.

Offers in my straight consumer cards (Diamond, Dividend, Etc) seem to all be either $75 or $250 cap. I've yet to see an uncapped offer from Citi, but I'm sure that day will come...


alert mods    
   posted: Jul. 25, 2007 @ 1:31p

well, just tried it but not working. Try ING Saving account, ING orange checking, Chase checking, Local bank (TX), no go at all. May be only work for Citibank account Too bad I have only Citi Saving account, well do not know routing number ))))


alert mods    
   posted: Jul. 25, 2007 @ 4:12p

I just tried to use it with my local bank checking account / routing number, and the transfer went through (or at least the confirmation screen says so). Note this is the same checking account I have in their online payment system.

Edit: And then tried with another checking account I don't have in their online payment system. That did NOT work.


alert mods    
   posted: Jul. 25, 2007 @ 6:21p

I see that there is 0% BT offer to bank account on my drivers edge....it says 6 months 0% from the date of transfer w/o any fee....my doubt is that my purchases intro 0% APR expires in October....will this BT apr be different frm regular purchase Apr?

I doubt no....coz @ the end of month card statement shows total balance on the account which includes BT amt too....can somebody explain me this?


alert mods    
   posted: Jul. 25, 2007 @ 8:35p

Many of the features that Citibank promotes, DONT WORK:

Citibank has an option to tranfer money online to another Citibank acct holder. DOESN'T WORK.

They have the option of doing one day transfer into accounts. DOESN'T WORK if you have less than $500 in the acct.

They have an option of doing a one day transfer to an external account. DOESN'T WORK unless you've made a transfer exceeding $1000 from the external acct into Citibank exceeding a 20 day grace period.

They have the option of transfering to another Citibank acct holder at ATM's. Doesn't work if funds haven't been in the account for longer than 3 working days, even if you deposited CASH.

I found these things out by going to a level 3 online support agent. The Indian transferred me to the woman that transferred me to the typical IT guy.


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