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I was once again charged with a monthly service fee on my Citibank Savings account, it earns a generous 0.25% interest rate. The problem is that instead of taking the end of month or end of cycle balance to determine  whether to charge a fee they take the average balance for the month. I dipped below that one day by transferring $200 to another account while making a deposit for $202.78 the same day. At the end of the month I was over the $500 minimum but that didn’t matter. Since it took a day for them to process the deposit, but not the transfer, I get dinged. Talk about a customer focused business, its all about making things tilt in some inane ways to their favor. I really need to get on the phone and get this sorted out and finally walk in to my branch and cancel my account to go over to my credit union. I don’t really want to get charged $6.50 every month when I have $500 dollars in a Savings account earning 0.25% interest. The insanity! But I guess that’s how they make their money, by these weird practices to rip off their customers.