Predictika · Retail banking fee quotes

An AI sales agent's account fee quote, checked before it goes out

An AI sales agent prepares a monthly fee quote for a retail customer: checking and savings accounts, a relationship tier, direct deposits, balances and non-network ATM use. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the fees, fee waivers and relationship tiers published on citi.com and returns a verdict, every reason and the fees it computed.

Scope: Citi US retail deposit accounts: Access Checking, Regular Checking and Savings, the Citi Priority, Citigold and Citigold Private Client relationship tiers, and the monthly service and non-Citi ATM fees and waivers published on citi.com. See everything this validator covers

This validator models the standard monthly fees and waivers for Citi retail deposit accounts as published on citi.com, not just the scenarios shown below.

  • Monthly service fees — Access Checking 5.00 USD, Regular Checking 15.00 USD and Savings 4.50 USD, each waived under the conditions Citi publishes.
  • Waivers — a relationship tier (Citi Priority, Citigold or Citigold Private Client) waives the monthly fees; checking is also waived with 250 USD or more in direct deposits (and Access Checking for owners aged 23 or younger); Savings is waived with a 500 USD average balance or when the owner also has checking.
  • Relationship tiers — combined average monthly balance minimums of 30,000, 180,000 and 800,000 USD; Citi re-tiers a customer whose balance stays below the minimum for three consecutive months.
  • Non-Citi ATM fees — 2.50 USD per use, waived in every relationship tier.

Any quote of these fees that touches these rules is in scope — not only the scenarios pictured here. Not covered: promotions and bonuses, interest, overdraft and other fees, other account types, markets outside the US, and fee changes after October 2026. The fees are the standard published fees, not an offer.

The AI sales agentBuilds the account fee quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A tier that the balance no longer supportsOnly with care
A balance threshold per tier is easy to write, but the three-month re-tiering window needs the months below the minimum tracked and checked alongside the tier.		The tier, the balance and the months below the minimum are in one request and checked on every call.
A waiver that depends on the other accounts and the ownerOnly with care
Each waiver (tier, direct deposits, savings balance, checking owned, owner age) is its own rule, and they interact.		Every waiver is evaluated together from the same request, in any order.
A stated monthly total that disagrees with the fees and waiversOnly with workarounds
The total is derived from several waivers; checking a stated figure against it takes extra price rules and formulas that interact with the rest.		The stated total is a field in the request and is compared with the computed one.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quoted relationship tier needs a 30,000 USD combined average monthly balance and the balance is 29,999 USD; Citi re-tiers only after three consecutive months below the minimum, so a person should confirm the tier still applies.
2The quote relies on a relationship tier with a 30,000 USD combined average monthly balance minimum, but the balance is 29,999 USD and has been below it for 3 consecutive months, so Citi re-tiers the customer.
3The quote relies on a relationship tier with a 180,000 USD combined average monthly balance minimum, but the balance is 100,000 USD and has been below it for 4 consecutive months, so Citi re-tiers the customer.
4The quote relies on a relationship tier with an 800,000 USD combined average monthly balance minimum, but the balance is 799,999 USD and has been below it for 5 consecutive months, so Citi re-tiers the customer.
5The quote states monthly fees of 19.50 USD, but the published fees and waivers come to 20.00 USD.
6The quote states monthly fees of 0.00 USD, but the published fees and waivers come to 20.00 USD.
7The quote relies on a relationship tier with a 30,000 USD combined average monthly balance minimum, but the balance is 10,000 USD and has been below it for 3 consecutive months, so Citi re-tiers the customer.
8The quote has neither a checking account nor a savings account.
9The quote relies on a relationship tier with a 180,000 USD combined average monthly balance minimum, but the balance is 50,000 USD and has been below it for 6 consecutive months, so Citi re-tiers the customer.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Relationship tier and stated total: A Citi Priority quote for a customer whose balance has been below the minimum

    
The agent's request. Please quote the monthly fees for Regular Checking and a Savings account, with the Citi Priority tier, for a customer aged 40 with a combined average monthly balance of USD 12,000, USD 0 in monthly direct deposits and 6 non-Citi ATM uses a month; the customer has held that balance for 4 consecutive months. The quote states monthly fees of USD 0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Tier no longer supported by the balance. The quote relies on a relationship tier with a 30,000 USD combined average monthly balance minimum, but the balance is 12,000 USD and has been below it for 4 consecutive months, so Citi re-tiers the customer.
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  • Stated fees differ from the published fees. The quote states monthly fees of 0.00 USD, but the published fees and waivers come to 30.00 USD.
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2. Relationship tier and stated total: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fees for Regular Checking and a Savings account, with no relationship tier, for a customer aged 40 with a combined average monthly balance of USD 12,000, USD 0 in monthly direct deposits and 6 non-Citi ATM uses a month. The quote states monthly fees of USD 30.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Checking fee 15.00 USD, savings fee 0.00 USD, non-Citi ATM fees 15.00 USD, 30.00 USD a month in all.
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3. Stated monthly total: An Access Checking quote with the ATM fees left out of the total

    
The agent's request. Please quote the monthly fees for Access Checking and a Savings account, with no relationship tier, for a customer aged 31 with a combined average monthly balance of USD 5,000, USD 100 in monthly direct deposits and 8 non-Citi ATM uses a month. The quote states monthly fees of USD 5.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated fees differ from the published fees. The quote states monthly fees of 5.00 USD, but the published fees and waivers come to 25.00 USD.
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4. Stated monthly total: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fees for Access Checking and a Savings account, with no relationship tier, for a customer aged 31 with a combined average monthly balance of USD 5,000, USD 100 in monthly direct deposits and 8 non-Citi ATM uses a month. The quote states monthly fees of USD 25.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Checking fee 5.00 USD, savings fee 0.00 USD, non-Citi ATM fees 20.00 USD, 25.00 USD a month in all.
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5. Young account owner: A Regular Checking quote for a 21-year-old with the fees stated as zero

    
The agent's request. Please quote the monthly fees for Regular Checking and a Savings account, with no relationship tier, for a customer aged 21 with a combined average monthly balance of USD 5,000, USD 0 in monthly direct deposits and 3 non-Citi ATM uses a month. The quote states monthly fees of USD 0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated fees differ from the published fees. The quote states monthly fees of 0.00 USD, but the published fees and waivers come to 22.50 USD.
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6. Young account owner: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fees for Access Checking and a Savings account, with no relationship tier, for a customer aged 21 with a combined average monthly balance of USD 5,000, USD 0 in monthly direct deposits and 3 non-Citi ATM uses a month. The quote states monthly fees of USD 0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated fees differ from the published fees. The quote states monthly fees of 0.00 USD, but the published fees and waivers come to 7.50 USD.
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7. Young account owner: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fees for Access Checking and a Savings account, with no relationship tier, for a customer aged 21 with a combined average monthly balance of USD 5,000, USD 0 in monthly direct deposits and 3 non-Citi ATM uses a month. The quote states monthly fees of USD 7.50. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Checking fee 0.00 USD, savings fee 0.00 USD, non-Citi ATM fees 7.50 USD, 7.50 USD a month in all.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a monthly fee quote for a retail customer: checking and savings accounts, a relationship tier, direct deposits, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the fees, fee waivers and relationship tiers published on citi.com and returns a verdict, every reason and the fees it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote the monthly fees for Regular Checking and a Savings account, with the Citi Priority tier, for a customer aged 40 with a combined average monthly balance of USD 12,000. The quote states monthly fees of USD 0.00. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with two findings, all in one answer. The quote relies on a relationship tier with a 30,000 USD combined average monthly balance minimum, but the balance is 12,000 USD and has been below it for 4 consecutive months, so Citi re-tiers the customer. The quote states monthly fees of 0.00 USD, but the published fees and waivers come to 30.00 USD.
    6. 
      
  6. The validator returned two blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
    7. 
      
  7. What this shows: for a tier that the balance no longer supports, a rules-based CPQ is error-prone for this.
    8. 
      
  8. Now the agent resubmits.
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  9. The corrected request. It changes the relationship tier to none and the stated monthly fees to 30.00. It removes the consecutive months below the tier minimum.
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  10. It calls the validator again.
    11. 
      
  11. This time the validator clears it.
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  12. Both earlier findings are cleared, and the validator's total, USD 30.00, matches the quote.
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  13. Two problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    14.