Citibank is handing out generous cash bonuses to new checking account holders — with multiple tiers available depending on how much you deposit and how you fund the account. Here's a breakdown of what's on the table:
Bonus Tiers Available:
- $325 bonus — Make at least 2 Enhanced Direct Deposits totaling $3,000+ within 90 days of opening
- $475 bonus — Make at least 2 Enhanced Direct Deposits totaling $5,000 within 90 days (limited to NY, CT, MD, VA, DC, CA, NV, NJ, and select FL/IL markets; extended through 10/22/26)
- $500 bonus — Deposit new-to-Citi funds and maintain a $30,000 minimum balance for 45 days after the initial 45-day funding window
- $1,500 bonus — Same structure as above but requires a $200,000 minimum balance
How to Grab the $325/$475 Bonus:
- Open a new eligible Citi Checking account directly from the offer page
- Enroll in the offer during the application process
- Complete at least 2 Enhanced Direct Deposits (payroll, pension, Social Security, Zelle, Venmo via ACH, etc.) within 90 days
- Hit the required deposit threshold for your chosen tier
For the $475 Offer Specifically:
- Use this dedicated link (try incognito if it doesn't load)
- Only available in select states/markets
Key Things to Know:
- Must not have held a Citi checking account in the past 365 days
- Monthly fee is $12 but waived each month you receive $250+ in Enhanced Direct Deposits
- No early account termination fee
- Only a soft credit pull — no impact on your credit score
- Bonuses are treated as taxable income
- You can also refer a friend and earn an extra $100 per referral
Power Move: In eligible states (NY, CT, NJ, DC, VA, MD, CA, NV), stack the checking bonus with a Citi savings account promo offering 3.7% APY for the first 3 months. Open the savings account within 45 days of your checking account opening for maximum benefit.
Note:
- •Prices and availability may change without prior notice
- •Check the retailer's website for the most current pricing
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