Citibank Beware Banking with Citibank. They back-date transactions to charge more overdraft fees. Dallas Texas

I have also experienced this. I bought my husband's wedding band around the first week of May. We married in June. I check my statement online almost everyday. The cost of the ring was deducted AFTER we were married which caused an overdraft situation. I called and was told that although on the day of the purchase the money was taken out and the balance reflected at the time was the post-purchase balance, it was just a "pre-authorization" and that the money didn't really come out until AFTER I was already married. I find this hard to believe since I bought it from a small independent jewelry shop that is struggling to stay alive. They'd have no reason to hold a transaction for over a month.

We've decided that after the first of the year we will switch to Bank of America. I am also in Dallas and Citibank doesn't have enough branches to fit my lifestyle. I am tired of driving to "the hood", where most of them probably don't even have bank accounts, just to do my banking.