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markkundinger
- Senior Member - 2K
rated:
posted: Oct. 22, 2008 @ 9:29a 
If you open the account as a new customer, generally you always get a hard. If you open under an existing login, generally no hard. |
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titan01
- Senior Member
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posted: Oct. 22, 2008 @ 9:36a
I am not sure if I qualify as a new or existing.. I have a joint account with another family member... What does that make me then? |
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resplendence
- Member
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posted: Oct. 22, 2008 @ 11:28a
Opened a new account. Thanks OP! I checked my Experian TripleAlert report. No hard pull on any of the main 3 credit bureaus, either for this account or my new Citi Checking account - both were opened about two weeks ago. I am an existing Citi credit card holder, which may make a difference. |
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timothy86
- Senior Member - 3K
rated:
posted: Oct. 22, 2008 @ 11:33a
Wid3load said:bittul said:Just a note of warning:
Citi does a HARD credit pull even for opening a savings account if opened online!
Can anyone confirm? I'm an existing customer and never got a hard even though they say it for opening account online. First log in to your account though and then click banking and open the account. Don't open it from their mainpage. |
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timothy86
- Senior Member - 3K
rated:
posted: Oct. 22, 2008 @ 11:34a
LexLuthor said:Wow, you really have to keep up with Citibank. I had an e-savings that had a great rate last year and only realized I'm down to a 1.5% rate now.
I updated a ultimate savings account online and transferred the balance in a matter of a few minutes. That is exactly the reason they do this. It is ashame you missed out when Ultimate Money was the highest yielding. |
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fish777
- Senior Member - 2K
rated:
posted: Oct. 30, 2008 @ 10:26a
goldenkidx said:I opened the Ultimate Savings account. I am already a citi customer so it just appeared in my online banking and I transferred all my money to the account. I have to say it is odd that the rate for this is higher than for the "Ultimate Money Account". Most people don't check the rates a lot so they probably figure most people have the Ultimate Money Account. Now they can switch the higher rate to the Ultimate Savings Account so they don't have to pay a lot of interest back. So what's the different between "Ultimate Savings Account" and "Ultimate Money Account" other than the interest rate? |
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timothy86
- Senior Member - 3K
rated:
posted: Oct. 30, 2008 @ 10:30a
fish777 said:goldenkidx said:I opened the Ultimate Savings account. I am already a citi customer so it just appeared in my online banking and I transferred all my money to the account. I have to say it is odd that the rate for this is higher than for the "Ultimate Money Account". Most people don't check the rates a lot so they probably figure most people have the Ultimate Money Account. Now they can switch the higher rate to the Ultimate Savings Account so they don't have to pay a lot of interest back.
So what's the different between "Ultimate Savings Account" and "Ultimate Money Account" other than the interest rate? The Ultimate Money is tiered. You only get the higher rate if you have checking acct and make 2 bill pays per month. Ultimate savings doesn't require checking or bill pays. So it made sense when the Ultimate Money had a higher rate, but now Citibank went crazy. They should go back to giving those of us who fully bank there a higher rate. |
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Tom9999
- Senior Member
rated:
posted: Oct. 30, 2008 @ 10:35a
For pulls, my experience in the last week as a new banking, but existing credit card customer: - New Everything Counts checking resulted in a hard pull on EX. Citi CCS have always pulled TU or EQ  I was logged into my Citicard online account, but it did not prevent the hard.
- It took three business days for the funds to transfer, which completly unlocked my account to do new accounts online.
- Opening a new Savings account online when logged into citibank.com did not result in a hard pull.
- Opening two CDs over the phone did not result in a hard pull. So it looks like to become a new banking customer with Citi it will cost you one hard pull, then the rest are soft. |
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cyberkost
- Ancient Member
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posted: Oct. 30, 2008 @ 10:42a
Tom9999, are you sure you did not get a feature such as overdraft protection with your checking acct. that might justify the hard pull? As far as EX (and not TU or EQ) being pulled -- CITI has recently switched to pulling EX in places where it used to pull TU (e.g., NY) ... that is to say that if you apply for a CC with them now it may also be an EX pull. |
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fish777
- Senior Member - 2K
rated:
posted: Oct. 30, 2008 @ 4:15p
timothy86 said:fish777 said:goldenkidx said:I opened the Ultimate Savings account. I am already a citi customer so it just appeared in my online banking and I transferred all my money to the account. I have to say it is odd that the rate for this is higher than for the "Ultimate Money Account". Most people don't check the rates a lot so they probably figure most people have the Ultimate Money Account. Now they can switch the higher rate to the Ultimate Savings Account so they don't have to pay a lot of interest back.
So what's the different between "Ultimate Savings Account" and "Ultimate Money Account" other than the interest rate?
The Ultimate Money is tiered. You only get the higher rate if you have checking acct and make 2 bill pays per month. Ultimate savings doesn't require checking or bill pays.
So it made sense when the Ultimate Money had a higher rate, but now Citibank went crazy. They should go back to giving those of us who fully bank there a higher rate. After they introduced eSavings, why they have Ultimate Savings? Seems like they are almost the same. Any issue (or anything negative) of opening all those new saving accounts (like Ultimate Money and Ultimate Savings) with Citibank if you already have savings and checking accounts with them? |
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Tom9999
- Senior Member
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posted: Oct. 31, 2008 @ 9:15a
Citi pulled EQ two weeks ago for the Platinum AMEX and Business MC - it is only showing as one inquiry now. It shows as "Citibank USA". They pulled EQ again a day later for the Associated card - this time as "Citibank USA NA". A year ago they pulled TU for everything - just glad they did not go to EX. The checking account pull came from "CBNA" against EX. No overdraft protection. The system did not pull over my personal information from the CC acount like it did for the savings after I was set up in checking, so it basically treated me as a new customer. |
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txrandom
- Member
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posted: Oct. 31, 2008 @ 9:39a
Is it possible to open this in branch? It wouldn't let me apply online, and my cell phone is dead until a new battery arrives. |
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captainwho
- Senior Member
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posted: Oct. 31, 2008 @ 9:42a
txrandom said:Is it possible to open this in branch? It wouldn't let me apply online, and my cell phone is dead until a new battery arrives.
This is EXACTLY the reason I always keep a spare battery charged. |
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txrandom
- Member
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posted: Oct. 31, 2008 @ 9:47a
captainwho said:txrandom said:Is it possible to open this in branch? It wouldn't let me apply online, and my cell phone is dead until a new battery arrives.
This is EXACTLY the reason I always keep a spare battery charged.
So you don't miss out on opening accounts? Citi has a location about a minute from campus, so I don't mind walking over there after class. |
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icecube
- Senior Member - 1K
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posted: Nov. 3, 2008 @ 3:16p
Count me in this group. I figured my Ultimate Money account was the highest yielding before I poked around and checked some interest rates today. I opened up a new Ultimate Savings and transferred all money. Oh well, only missed it by a month. Better keep on eye on these accounts as they'll probably switch the higher rate back to Ultimate Money at some point... goldenkidx said:I opened the Ultimate Savings account. I am already a citi customer so it just appeared in my online banking and I transferred all my money to the account. I have to say it is odd that the rate for this is higher than for the "Ultimate Money Account". Most people don't check the rates a lot so they probably figure most people have the Ultimate Money Account. Now they can switch the higher rate to the Ultimate Savings Account so they don't have to pay a lot of interest back. |
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HappyGuy
- Happy Member
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posted: Nov. 3, 2008 @ 8:40p
3.15% - New Rate - Citi continues to play games. |
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icecube
- Senior Member - 1K
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posted: Nov. 3, 2008 @ 8:45p
And they dropped Ultimate Money account to 3.00%. What a-holes...
HappyGuy said:3.15% - New Rate - Citi continues to play games.
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thok
- Tired Member
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posted: Nov. 3, 2008 @ 10:57p
HappyGuy said:3.15% - New Rate - Citi continues to play games. Well, then... out flows the money again. It's convenient for me to keep a few extra bucks at Citi but not *that* convenient. |
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bittul
- Happy Member
rated:
posted: Nov. 4, 2008 @ 7:15a
Anyone successfully pull money out of USA? Pushing out is maxed a 2g per day. 1- Can Citi's USA be pulled from?
2- If yes, will it still be maxed at 2g per day? I don't have a checking with them, so transferring internally is not an option. |
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cameron2003
- Senior Member - 2K
rated:
posted: Nov. 4, 2008 @ 8:34a
HappyGuy said:3.15% - New Rate - Citi continues to play games. Crap. I just moved it here from Wamu. IAt least its not falling as fast and low as Wamu. Is the accelerator rate lower too? It doesnt show on the website. |
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