I just called them and opened an account.

The first question: you can either write a check and send it back to them or you can just tell them your initial amount of deposit and your checking account number when you call them to open an account.

Second, I think it's ok if you pay your credit card using this new citi checking account.

Third, you need to say you are a resident, at least I said so. But I didn't say that I am a PR.