(1) Did you mean to say Citi National Bank, as opposed to National City?

(2) The account you have is nicknamed “fee checking” in the industry. There’s no monthly fee, but they nickel and dime you every time you do something (like calling the 800 number or using a branch) or don’t do something (“inactiviy” fee).

(3) This is partly a cliche, but it is said that 80% of a bank’s profits come from their top 20% clients. People like you, who open an acount with a meager 50 depreciated and devaluated dollars, likely do so in-branch, and then use the 800 number, are among the bottom 20% of clients that account for 80% of the costs. (To mirror the 80/20 rule.)

(4) This bank doesn’t want your business. You could shame them into better disclosing their fees by writing letters to newspapers, etc. But if I were you, I’d open an account with a Credit Union.