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If you choose the EZ Checking package, there is a $9.50 fee for going below a combined $1,500 balance. The combined balance, of course, includes all deposit accounts you may have with them. You could keep most of your money in the higher interest money market account and still avoid the fee.The EZ Checking account doesn't earn interest, and the money market account is a very low 1.01%APY. However, $100 isn't bad for just opening an account and paying 2 bills online.There is a $25.00 closing fee if you close the account in the first 90 days.Citibank is a pretty good bank in some areas - they watch card usage, etc. very closely, and if there is any unusual activity, or if you try to use it for the first time in a year or so, they will call you and speak to you directly - I like the fact that they watch out for you like that.
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