Absolutely ATROCIOUS! They've been holding my money (luckily not much) hostage for well over a year now after my accounts were fully approved, created, and setup then locked due to an excessively aggressive KYC address discrepancy issue! I've sent documents to them more than three times.. everything they asked for..weeks later like I didn't do anything! I had Citi years ago (20+) and I thought they were great, but the overly aggressive backend security has totally ruined their system! You suck!