Citibank, one of the largest financial institutions in the world, is rewarding its loyal customers by sending them a check for $3. It looks like any other check. But if you cash it, you are automatically enrolled in a credit protection service that automatically renews if you don’t cancel it. If Citibank really valued its customers, the company would warn them about ripoffs like this. But Citibank is not the only company engaging in this dodgy practice. You will not receive random checks in the mail just for the heck of it. There is a ripoff involved, so beware. And Clark hopes banks like Citibank realize what a disservice they are doing for their customers.