Earn up to $4,000 cash bonus
Citibank is currently running multiple cash bonus tiers for new checking account holders, ranging from $325 all the way up to $4,000 depending on your deposit level. Bonus Tiers Tier 1 – $325 Bonus (Enhanced Direct Deposit) Open a new Citi checking account and enroll directly through the offer page Complete at least 2 Enhanced Direct Deposits totaling $3,000 or more within 90 days of account opening Tier 2 – $500 / $2,000 / $4,000 Bonus (New Funds Deposit) Deposit new-to-Citibank funds within 45 days of account opening Maintain the required minimum balance for an additional 45 days (days 46–90) $30,000 minimum → $500 bonus $200,000 minimum → $2,000 bonus $1,000,000 minimum → $4,000 bonus Key Requirements & Notes Must not have held a Citi checking account in the past 365 days Must be at least 18 years old Available nationwide Uses a soft pull only (no hard credit inquiry) Monthly fee is $12, waived each month with $250+ in Enhanced Direct Deposits (note: rising to $1,000 effective January 1, 2027) No early account termination fee Account can be funded with up to $1,000 via debit card Bonus is considered taxable income Referral Bonus Existing Citi customers can refer friends and earn $100 per successful referral. The referred person still qualifies for the standard bonus. Savings Account Stacking (Select States) In states like NY, CT, NJ, DC, VA, MD, CA, and NV, you may be able to pair this offer with a Citi savings account earning competitive APY through the Citi Premium Boost program: 3.50% APY for Citi Priority 4.00% APY for Citigold 4.35% APY for Citigold Private Client Offer Tracker Track your progress in the Citi app: Services → Rewards & Upgrades → Explore Rewards → Select checking account