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

$1,500 Citi Checking Bonus

🔃 Update: This promotion has been extended again. New customers may earn a cash bonus of $500 (down from $750) or $1,500 after opening a Regular Checking account by 10/26/26 and completing required activities.

Citi has a new offer that can earn you up to $2,500 when you open a new checking account. The maximum bonus also requires a very large deposit and balance. Let’s see how this Citi checking bonus works.

Citi Checking Bonus Overview

The bonus tiers have changed a bit this time around. You need to open a new Checking Account and earn a cash bonus of $500,$1,500 or $2,500 when you complete required activities:

• Apply directly from the offer page.
• Open a new eligible checking account and enroll in the cash bonus offer the same day.
• Deposit New-to-Citibank funds into your checking account within 45 calendar days from account opening. The balance on your 45th day will determine your maximum eligible cash bonus.
• Maintain the required minimum balance in your eligible account(s) for an additional 45 days from the 46th day.
• Your bonus will be deposited as a credit to your open, eligible checking account within 30 calendar days after you have completed all required activities.

Here are the balance requirements for each bonus:

• $500 bonus requires $30,000 minimum deposit
• $1,500 bonus requires $200,000 minimum deposit
• $2,500 bonus requires $300,000 minimum deposit

Opening an account does not guarantee that you meet eligibility requirements. Make sure you have at least $10,000 in your account(s) to remain eligible to earn at least our minimum cash bonus of $200. Please note you must maintain a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts to qualify for the Citigold Account Package.

Who Qualifies?

You qualify for this Citi Checking bonus as long as you have not owned a Citi checking account in the last 180 days and are at least 18 years old.

It’s worth noting that these Checking Accounts must be opened in a physical branch OR use a residential address in NY, CT, NJ, DC, VA, MD, CA, or NV (or select markets in IL and FL).

Account Fees

• Access Account Package – $10 monthly fee or $0 when you:
  • Make 1 enhanced direct deposit or 1 qualifying bill payment per statement period or
  • Maintain a combined average monthly balance of $1,500+ in eligible linked accounts
• Basic Account Package – $12 monthly fee or $0 when you:
  • Make 1 enhanced direct deposit and 1 qualifying bill payment per statement period or
  • Maintain a combined average monthly balance of $1,500+ in eligible linked accounts
• Citibank Account Package – $25 monthly fee or $0 when you:
  • Maintain a combined average monthly balance of $10,000+ in eligible linked deposit, retirement and investment accounts
• Citi Priority Account Package – $30 or $0 when you:
  • Maintain a combined average monthly balance of $30,000+ in eligible linked deposit, retirement and investment accounts
• Citigold Account Package – No Fee
  • Citigold requires a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts

Guru’s Wrap-Up

This latest Citi checking bonus is now up to $2,500 but it also requires a deposit of $300,000 that you need to maintain for just over 60 days. Calculating your return for 60 days, you’d get a 6% APR. But most likely your money will be tied up for just a bit longer than that. The smaller bonuses get you a better APR. With $30K you get a $500 in 60 days which is a 10% APR. That’s almost double what you can currently get with the best high-yield accounts.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.

Link & Key Details

• OFFER PAGE
• Bonus: $500 – $1,500
• Account Type: Checking
• Availability: Nationwide
• Inquiry Type: Soft pull
• Chex Sensitive: Yes
• Credit Card Funding: No
• Direct Deposit Requirement: No
• Other Requirements: $30K-$250K deposit/balance
• Monthly Fees: No
• Early Closing Fee: No
• Expiration Date: 7/8/24 1/7/25 10/6/25 4/13/26 10/26/26

HT: DoC

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