In addition, to receive the Free iPod, you have to pay at least two bills each month for 12 months, but they will send the iPod within 90 days of the first two payments. Obviously, one needs to read the fine print to be sure they can qualify. The CitiBank EZ Checking is basically for someone who wants to do online banking and for whatever reason, possibly fees, doesn't want to use their current bank. There are no fees with the CitiBank account as long as at least two payments are made each month. Forbes.com Best of The Web chose Citibank Online as their favorite online banking site in the Spring of 2005.