Every since i started my first job I needed a saving account so my dad took me there and i opened one savings account is not all that great in interest rates.... So I've gotten older and needed direct deposit so i opened one on my own great start to free checking account.. so earning just the fee i didnt have to pay was a plus. after a couple of years I've learned about making money with money u dont use in the bank so I was told about e-savings earning interest on that is another plus now that i'm married i opened a joint account easy to say I citibank was the first bank i ever had my money in...read full review »