OK, I tried the PC application again just now and it failed (can't connect to server). Then I tried the Chrome web version and it worked. Then I went back to the PC application and it worked (within 5 minutes of trying it the first time when it failed) and it worked. I logged out and into the PC application several times and it worked every time. Thinking it may have to do with being actively logged into the online account in Chrome, I logged out of CITI on Chrome and the PC app still worked.
I think I need to repeat this several times, but logging into the Chrome web based VAN seems to (at least temproarily) fix the PC application.
hmmm.....
