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Problem with fees. Over the past two years, I have incurred five overdraft fees with Citibank, despite having sufficient funds in my account for several days following my payment submission. Citibank failed to pull the funds promptly. I consistently pay my credit card in full and on time from my XXXX XXXX checking account, and XXXX XXXX has confirmed that the timing between my payment confirmation and when they receive Citibank 's request for payment is sufficiently delayed. I intentionally keep minimal funds in my checking account, opting instead to maintain higher balances in savings to earn interest. I wrongly assumed that Citibank would pull payments promptly, so after a few business days, I moved funds back to savings, assuming the payment had already cleared. However, Citibank of