Citibank

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.