Many thanks to our longtime Citibank representative Jacinta for her kindness and professionalism. She brings a much needed personal touch to our banking experience. read more

Tammy is so helpful, as is Leona. I use this branch often as I live in Carlsbad. They have never met me down!

I used to like the Encinitas branch of Citi. That's changed. I was recently given inaccurate information by a teller. That was disappointing. Today, I have tried all day to reach them by phone - to make an appointment. A minimum of 8 calls so far. No one answers. All day long. I've been in the branch often enough to know they are NOT that busy. I also tried the customer service number. It's equally bad. First it's phone tree hell, then they tell me the only way I can make an appointment is to speak directly with the branch. Clearly my business is not important to them. They are going to lose this account. read more

Repeatedly poor customer service! Slow service and abrupt interaction with tellers. Not because they are "busy". Two of us with service as slow as peanut butter being poured from a jar. Their attitude is like peanut butter beyond the expiration date! read more

Everyone is very professional at this branch and they call you by name. Smiles on everyone's face make you feel welcome. Applied for a credit card and it went smoothly and I was approved within minutes. The Encinitas branch rocks! read more

Fast service and friendly. I have Pizza with them often. They opened up a CD for me which pay me more interest than I was making at another bank. Great Crew read more

This bank has been very helpful over the years. Tammy, who does the notary is especially wonderful as is Leona! I've gotten to know these Citibank representatives, and I really appreciate their professionalism.. read more

This review is for the 1-888 customer service line. I have been banking with Citibank forever. In fact I used to work at a Citibank. I used to be in banking for around 16 years. I know good customer service. Citibank does not have good service. I have the account I pay my property taxes out of here. I called to transfer money from my savings which is vested in only my name to my checking also vested in only my name which I do twice a year. They said they couldn't make the transfer over the phone because I don't have an ATM card attached to my accts. WTF? I'm not at an ATM I'm calling on the phone. Why should that matter? It hasn't mattered the last 18 years I've been doing my property taxes this way. The guy on the phone refused to even be logical. It's policy, they are unable to make the transfer. Bullshit. I know he can manually withdraw and then deposit into my account. He was unwilling to do it. Should be no problem moving your own money around but somehow Citibank makes it the customers problem. Now I have to take time off of work and go stand in a line to transfer money from one account to the other----in the same damn bank. Also Citibank needs to have people manning the phones that have clear grasp of English. I could barely understand the two people talked to. I'm not putting down a race or someone that English is the second language but if you are dealing all day with English speakers on the phone you need to be able to communicate. The experience was extremely frustrating. read more

I can always tell a lot about a business by the way that they manage challenging situations. I have been a gold member at Citibank for both my personal and business accounts for over a decade. The week before I traveled to Mexico I went to the branch, talked to the staff to inform them of my trip, ordered a bunch of Pesos, and then called the 800 number to let them know to expect international transactions. I have a long history of shopping at my favorite grocery store in Mexico, however, on the first night of my vacation, my account was flagged for suspicious activity. Things happen and Citi called my home phone, confirmed my transaction with my son and sent me a text which I also verified. They took the hold off of my card so I made another trip to the same grocery store the very next day. I got flagged again, and went through the entire verification process again to remove the alert on my card. The third time this happened at the SAME store I borrowed a phone and talked to them for an hour. This is not how I like to spend my vacation. Wasting time going to the market spending money to get to and from the market and being humiliated at the store for declined credit. So I asked for a senior rep and told them I was going to buy groceries. I gave them my son's number since my phone was not accepting calls and guess what? They declined my debit card again. In total, I was declined 5 times at grocery stores in 7 days, even when I precleared the transactions. After hours on the phone trying to get them to be responsible for the expenses that I incurred as a result of their ineptitude I was finally put in touch with a relationship manager at the Encinitas Branch. It took him a month to get in touch with me, and on our first call he told me that he would work to get my interest rate bumped up. A few weeks later he sent me this. "I am not able to do anything regarding your interest on the savings account and cannot reimburse some of the transaction we discussed." He was unwilling to reimbures costs that I had out of pocket. He threw in a few "loyalty points" to cover my real costs. His response, "I'm truly sorry that your vacation was impacted by Citi's proactive approach to the security of your account." So he admits I was impacted, but tries to pretend that there were concerns about the security of my account which is total BS because I asked them to call me on the spot if they suspected fraud. They had my account flagged and still did not call me. I even had to borrow money from friends to be able to feed myself, and they had foreign transaction fees. I wanted to be reimbursed for the actual cost of borrowing money, and this bank liason actually asked me to get my friends' private transaction records to verify the foreign transaction fees from their bank. That is wrong on so many levels. I hate to trust my finances to a company that does not take care of their customers when they are the most vulnerable. If you are traveling in third world country and denied food 5 times in a row by your bank, your bank has let you down. read more

poor bankers here are do limited on what they can do. As a result the service is terrible. Will be changing banks

This Citibank is a saving grace! With fewer & fewer branches in North County, I'm grateful for the stellar service in Encinitas. I do most of my banking online, but sometimes I really need to be face-to-face with a banker for certain transactions or questions. Teller Jacinta is always a pleasure to see, as she's super patient & efficient when dealing with the more complex banking issues. Even when the line gets a little long, I like that Jacinta never rushes her current client. Manager Debbie is also great. I really appreciate how she stayed past closing on one occasion to help me make some time-sensitive adjustments to my accounts. Other banks would usually force you to come back another day, but Debbie was extremely accommodating. She saved me a lot of time & stress! Bottom line - this is an excellent, knowledgeable branch that we're lucky to still have in North County. read more

I have to say that Debbie and team at this ranch are super nice and really go above and beyond. I'm a former customer with a small little business. (I left because Citi's online banking didn't have some features I was looking for and by opening a business account at my personal bank, I received some benefits.) I needed some records for my old accounts going back almost 4 years. Debbie and team were very helpful, treating me as well as if I were a customer. Well enough in fact that I might actually move the accounts back once I get things squared away record-wise. At any relate, I don't know about Citi's general customer support but Debbie and her team will do what they can. read more

This branch of Citibank is THE BEST - Debbie is a talented leader. I've been banking here for years and am extremely satisfied with the customer service of the manager and her staff. Highly recommend. read more

I see most of the headline reviews of this branch are about central customer service and not about the branch itself or its staff. I have gotten great service from my banker here, who always has my interests in mind. When I get a call, I know there is a good opportunity for me. Never felt any sales pressure from them, but then I am largely immune to that by now. They are aggressive in a good way, on your side! read more

They helped me when I was at a loss. Polite, helpful and not at all what I've read here. I guess their customer service depends on the customer's attitude? No, because I was not nice when looking for help! They still helped me and now that's where I go for bank services. Thank you! read more

Stepped in here one time to deposit a paycheck. Good service. Low roof adds to claustrophobia. Service was prompt and no-bullshit. Would come back here, but I do mostly online banking, and as of next paycheck I will be on direct deposit. read more

CITI bank is very exploitative with interest rates on their cards at 14% and above! The customer service was very cavalier and even rude in of my interactions recently. There is so much choice there especially if you have good credit! Avoid at all costs! read more

Every time I go into this bank i am always welcomed with warm smiles and and hello. Today I got some superior customer service from the Branch Manager Debra Harp. She was receiving services where I work and she saved me a trip by saying YES when I asked if she would make a deposit for me! Thanks Debbie!! read more

Been calling all morning researching to set up a health savings plan account. Called this branch and although they don't offer this service, they researched it and called me back 10 minutes later to give me a recommendation of a good bank who can. After waiting on hold with my insurance company and banks all morning, I am finally breathing a sigh of relief. THANK YOU. read more

I have been a Citibank customer for many many years dating back to my days in New York. I stopped in to this branch since it was near my home and am I glad I did..Branch manager Debbie Hart is the best I've ever enountered and her staff is equally as good. I don't live or work as close as I used to and I miss them since they treat me like family. If you need a bank, there isn't a better place to be than the branch on El Camino Real in Encinitas read more

The employees at this branch are great, friendly and helpful all know what they are doing. The manager also falls under this category except I found the couple of times that my wife and I sat in front of her. She must feel that it is still 50 years ago. When she speaks or asks questions, her full attention is only on me, never addresses my wife, and she feels like she should not even have been there, and if anything my wife should have been running these meetings!!! The manager may be hands on manager, but she should look at how she conducts herself with couples!! read more

I have banked here for five years. The manager (Debbie) is great, as is the banking rep (Vicky). The wait time is always less than a minute and the staff attitude is invariably positive. It has been a pleasure to bank at this branch. read more

Needed two documents notarized; we are long-time customers. Was greeted as soon as I entered the bank; ushered to the person behind the counter and introduced by name. Entire process took only minutes and was professional in every aspect. The staff is customer-friendly and needs to be recognized. Thanks, Citibank! read more

Wow...what a great service without even stepping into the bank ! I had to close my account and open a new one but was out of town. So they did it for me over the phone. It can't get any easier than that. Lisa was very helpful - Thank you! read more

Citibank student loans are atrocious! I took out loans for college under my name and have been paying them back for a few years now. I graduated during the height of the recession and wasn't able to find a good enough paying job to be able to pay back the minimum payment due while still eating and having a roof over my head. The citibank locations weren't able to help me themselves but did call citibank student loans for me over the phone (Citi student loans would not allow me to talk to them personally. It had to be through the teller). After a half hour on the phone and alot of debating, they were able to lower my payments to something I could afford. A couple years after that I returned to school to continue my education. During that time Citibank sold half of my loans to Discover and both companies recalculated how much I should be paying a month without taking into account my current income. After 6 or more months of paying over $1200/month in student loans I decided to contact my loan providers to see if I could get the payments lowered to something more reasonable as I am drowning in these payments. Discover lowered the payments (by only $50 but still better than nothing), the govt calculated my loan repayment based on my current income and lowered the payments, and Citibank...? They don't have any sort of program that allows them to calculate payments based on income, nor could they lower the payments for any other reason. Not even a penny. Shame Citibank. Shame. My suggestion? Never take out any student loans through Citibank. We bailed them out when they f*cked up and they can't even develop a program to allow people to pay back their loans based on their income. read more