http://stockwidget.seekingalpha.com/article/189605-citi-warns-of-withdrawal-gate Ok, so they reserve the right and try to put you at ease with "we're not currently exercising this right".. but it's on a checking account.. as in YOUR MOOLA that they will reserve the right to refuse to you on a withdrawal basis. I paid off my Citi credit card (yes, I know it's not a bank account) and not only are they not getting any more money from me, but I had about 102 bucks in rewards cash that I claimed. If I were me, and I am.. I would pay off my Citi cards, and if I was in the rewards program, get my cash and stick it to 'em as much as I could. I would also close any personal banking accounts with them. But hey, that's just me.