Netbank has a lot of system bugs. I've been using it for quite a while. It has problems from time to time. You need to send them the bankmails again and again, luckily they have pretty good customer service to deal with these bugs.

"我加 CITI 账户的时候用的是方式是 User-ID Login，不知道是不是这个导致的问题。"

It's all right, and the problem is not caused by this.

"看他家网站上说，inter-institutional transfer，进钱免费，出钱要３刀呢"

It's FREE to transfer fund out of your CITI checking account FROM another bank.