Citibank at 5554 California Avenue, Bakersfield, California.

I've been banking with them for about two yrs and it's been a great experience so far. I actually decided to bank with them after liking their service even though I wasn't their client, and I must say citimortgage is one of the easiest, most accessible lenders when it comes to modifications. I work in real estate, and deal with all kinds of lenders on a daily basis, citi is one of the lenders that give us less of a hard time, when we're trying to help our clients save their home. Of course there's guidelines for everything and qualifying for a modification to save your home is no joke, but I personally don't mind working with citimortgage and I enjoy banking with citibank.

My wife and I have never been happy with this bank from the day we set up our account. We should have known then, but it took a year or so to get completely fed up. First of all, they could never link my credit card and checking account with my wife's. It is the same account! but they said it couldn't be done. The mobile app is a complete joke. I can't even deposit my paycheck because, wait for it,,,,it is over $1,000.00. The bank closes at 5pm, so I have to wait several days before they will release my own money after making an ATM deposit. It's a frickin' payroll check! They said I could slip it under the door or put in in the mail slot (where it drops onto the floor) and they would process it faster. Seriously, that was there response. Slip my check through the mail slot! You have got to be kidding me. In addition to the mobile app being useless for pay checks even small checks were rarely accepted. Kept getting errors from the app. After taking four or five picture, I finally gave up. Do you have to own a photography studio to get the correct lighting? I'm standing in my kitchen in the middle of the day with the lights on. Give me a break. My experience with EVERYONE from the local branch to the customer service representatives was piss poor and way below any reasonable expectation. I could go on, but I have better things to do. My only hope is that someone else reads this and thinks twice before opening an account there. I will be going with a local bank