Beginning in February, Citibank will start charging all account holders $7.50 each time their monthly balance dips below $1,500. In a move the Post dubs "Really Citi Treament," the bank will stop waiving low balance fees for customers who have direct deposit or conduct two bill payments online each month. According to Citibank, it's not punishment but a reward: "We did so to make them more simple and straightforward, by recognizing and rewarding customers for maintaining their balances with Citibank." But a Citibank manager acknowledged the fees — which could total $90 per year — were high, "Some are regular working folk who are trying hard to make ends meet and to pay their bills. Fifteen hundred dollars is a lot of money. Many don't have that kind of balance in their accounts."