when you click on apply you will see "The Citibank Account w/ Citibank® Ultimate Savings Account".
It forces to open an citibank account and then ultimate savings account.
There are monthly charges which is applied to citibank account unless you maintain a minimum balance of $6000.
QUOTE
What's The Citibank Account?
It's a Citibank account Pricing Package that offers Interest or Regular Checking —plus free services including online bill payment.
Here's a quick rundown:
* Balance. To avoid monthly fees, you need to maintain a $6,000 combined average balance — an easy goal to reach. Why? Because so many accounts go toward it: Checking, Savings, CDs, Money Market, Lines, Loans, Mortgage and Brokerage (to qualify, accounts must be linked to your ATM/Debit Card.)1
* Monthly Fee. None, if you meet the required balance.
If not, in NY, NJ and CT, it's $9.50 for Regular Checking and $12.50 for Interest Checking. In all other states, it's $12.50 for Regular Checking and $15 for Interest Checking.
* Checks. Free if you meet the required balance. If not, $.50 per check.
* ATM Use. Free unlimited use of Citibank ATMs. Use of non-Citibank ATMs is also free if you meet the required balance. If not, $1 per use.2
* Fee Rebates. Save up to $36 a year just by using Direct Deposit, Bill Payment or Automatic Deductions!
* Free Services. Online bill payment, online bank statements, wireless and e-mail banking alerts.
1 Other Citibank products may contribute to your combined balance. Call 1-800-374-9700 for details.
2 Fees charged by other institutions for your transactions on non-Citibank ATMs are beyond Citibank's control and are in addition to this fee.
May be the get around will be To apply by phone, call 1-877-695-9400 and mention code: CYMJ.