Earn Up to $1,500 Cash Bonus with a New Citi Checking Account
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CitibankCiti5h ago

Earn Up to $1,500 Cash Bonus with a New Citi Checking Account

Earn up to $1,500 Cash Bonus

Expires: October 22, 2026

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:

  1. Open a new eligible Citi Checking account directly from the offer page
  2. Enroll in the offer during the application process
  3. Complete at least 2 Enhanced Direct Deposits (payroll, pension, Social Security, Zelle, Venmo via ACH, etc.) within 90 days
  4. 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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