If you are still in Citibank or any big bank for that matter, you might need to see this
(wallstreetonparade.com)
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I left Chase and went to a credit union a couple years ago when Chase pulled that BS of trying to de-bank Gen. Flynn.
I recently needed something notarized and the notary at the credit union did it on the spot when I stopped by, no appointment necessary, and no fee.
Smart man. You now know how good CU is.