Although Citi has a long track record, it does have a history of struggling during tough economic times. After the 2007/2008 financial crisis, Citi received a massive $517 billion federal bail out loan. It took until 2013 for the Government to sell the last of the bail out bonds from this fund. However, today, Citi has holdings of $74 billion, so it should be prepared to weather any adverse economic times. Of course, Citi is FDIC insured, so for its customers, even if the bank starts to struggle, deposits of up to $250,000 are protected.