www.CostaRicaTicas.com

Just thought I'd warn you goes on what Citibank is planning to do with their "Checking Plus" product which I have used for many many years. It is a drastic change for the worse.

Effective November 7, 2008, we will make the following
changes to our Overdraft Protection Services. Included are
changes to Checking Plus, Checking Plus (variable rate), and
Safety Check.

We will charge an Overdraft Protection Transfer Fee of $10 each
day we cover an overdraft by transferring money from your
Checking Plus account, your Checking Plus (variable rate) account,
or your Safety Check contributing account. The Overdraft Protection
Transfer Fee will be charged to the account that receives the
transfer. This fee will be waived for Citigold®, Citi Private
Bank, International Personal Banking and Global Executive
Banking customers.

Important Information Regarding Overdraft
Protection, Including Checking Plus®,
Checking Plus® (variable rate), and Safety Check®

For all Checking Plus and Checking Plus (variable rate)
customers:

The paragraph in your Agreement and Disclosure entitled
“USING YOUR ACCOUNT” will be replaced with the following:

USING YOUR ACCOUNT

There is no pre-established time limit for your use of this
Account. You may take a loan from your Account by:

1. Using your Citibank Banking Card® at any Citibank
Automatic Teller Machine (ATM) location: You may
use your Citibank Banking Card to obtain a loan directly
from your Account.

2. Overdrawing your checking account: If you overdraw
your checking account, you will have automatically
requested a loan from your Account. We will make the
loan to you by transferring from your Account to your
checking account, the amount needed to cover your
overdraft, and any applicable fees, rounded up to the
next $100 increment.

3. Requesting a transfer from your Account to your
checking account: You may use your Citibank Banking
Card at any Citibank ATM location, or you can transfer
funds by phone using CitiPhone Banking® or online
through CitibankOnline.com.

Checks drawn against uncollected funds in your checking
account will be honored only up to your Account’s
available credit.

If your Checking Plus account currently has an Annual
or a Monthly Fee, that fee will be eliminated.
For all Safety Check customers:

The Overdraft Protection Transfer Fee will replace the existing
Safety Check Fee.

Safety Check transfers from your contributing account will be
made in the amount needed to cover your overdraft and any
applicable fees, rounded up to the next $100 increment, not to
exceed the available balance in your contributing account.
The Safety Check Transfer notice will be discontinued.
All other terms and conditions of the Client Manual, the
Marketplace Addendum and Checking Plus and Checking
Plus (variable rate) Agreements and Disclosures remain in
full force and effect.

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Why settle for just one woman when you can enjoy them all?

Solution: I know this is a novel concept but why not ditch all the protection that you really don't need and simply Don't overdraft your account? That will $100 for the novel solution. Please pay in person at Trollfest 2008

Get used to a lot more of this crap! Fewer banks cannot mean better service. Is there any reason to think ALL fees won't rise exponentially in the near future?