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It is absolutely wild that a major bank would offer such an antiquated, clunky, largely useless mobile solution in 2020. I had forgotten what it was like to try to do any kind of remote banking circa 2002, but thanks to the CitiBusiness mobile app, I can relive that experience. Like a fossil, frozen in time. No mobile check deposit?! That’s outrageous in 2020. While most (but definitely not all) functionality one would expect for remote banking for a business account is available, if often hard to find, on the web version, practically none of that functionality has been ported over to the mobile app. I can check my balance. I can do a few extremely basic things like transfers. But even the one thing it does reliably—generate tokens—is ludicrously cumbersome. Simple functions take 3, 4, 5 clicks, lots of searching, reading FAQs, etc. Just terrible.

I just got an email saying this app had been updated but it’s still very antiquated. It’s almost useless for me — I can look up the balance but the main thing I want to do on mobile is deposit a check which can’t be done on this app. So I have to log in to the personal Citi mobile version with my business credentials in order to deposit a check. Which them means the personal app doesn’t remember my credentials or ask for my fingerprint when I want to log in for my personal accounts. I’ve had my personal accounts with CitiBank for many years but if I had known how clunky this app (and also the business web version) was I would have opened my business account at a different bank. I work in finance and log in to many financial institution websites - Citi Business is the worst one I’ve ever seen!

What a relief that someone else had the same experience as I did. This is unconscionable in 2021. Do they actually have business account customers? I’m trying to figure out how anyone can do business with an app that doesn’t enable mobile deposits and doesn’t automatically consolidate all business and personal accounts and credit cards with the bank into one easy-to-manage interface. I just spent a week trying to get everything together. And I still can’t seem to get access to basic payment programs like Zelle on there. I’m amazed they have been able to get away with this level of professional dereliction to their customers. Isn’t this a multibillion dollar bank? This whole thing has just left me so befuddled. I’m genuinely curious.