Commercial properties have high returns and stable income, but that needs lots of time, capital, and management. Whereas land offers long-term appreciation potential with lower maintenance but generates less immediate income.

So buying commercial property or land depends on many factors, like your risk tolerance capacity, market trends, tax implications, your investment timeline, your finances, and many more. In the US, you invest through REITs, funds, or direct purchases. So invest after going through all the scenarios.

American Express National bank is a well-reputed bank for high-yield savings accounts, as it offers attractive interest rates with no monthly fees. The customer service of this bank is very good. 
You need to focus on some factors like APY, account fees, withdrawal restrictions and online banking features while applying for HYSA. There are other banks like Ally Bank, Discover Bank , Marcus by Goldman Sachs famous for their user-friendly systems and excellent interest rates.

To lower the fraud risks, Citibank might be modifying its rules like regulatory changes, fraud prevention strategies, risk assessment. Sometimes banks can change the card limits. So it's better to have a word with Citibank officials and ask for the particular cause of these modifications and investigate whether any possibilities exist to revert your former restrictions.