It’s hard to reopen US citibank account while overseas, so it’s better to keep at least one account.

Least demanding account type is the day-to-day savings. $500 minimum balance. Fall-below levy is about $4. (The citigold status is demanding — 50k daily average combined balance. Better get rid of citigold.)

Even with this basic account, citi global transfer is free.

If I add up Jul/Aug/Sep interests earned and it’s $X, I should be able to see a $2X credit on 24 Dec.

in mid Nov 2013, new debit card will send to my 04-116 address.

Feb automatic downgrade came with a fee waiver for Feb!

— Min setup
no checking, just daytoday savings with $100 balance to avoid service fee. (To have a package of checking/savings, need $1500 combined balance to avoid fees.)

someone said you can just have the 0-interest basic checking without the savings.

— plan:
after 24 Dec (triple), transfer 20k to checking, start global transfer, then downgrade the “relationship”
finish all CGT.  Leave $1400 in savings. Leave $0 in checking

Redeem thanku points and give to yihai