Citibank new bonuses for checking and savings accounts
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Citibank, the banking arm of financial giant Citigroup, and the nation’s third-largest bank by assets, frequently offers bonuses to attract new customers. Taking advantage of a Citibank new account bonus can net some attractive rewards if you have enough money to meet the bank’s promotional requirements.
Citibank currently has one bonus offer for new checking customers who deposit new money from outside of Citi.
Citi’s checking bonus offer
Citibank is currently offering a cash bonus for customers who open a checking account and meet additional deposit and balance requirements. The promotion is available for new customers only, and the account must be opened by April 13, 2026. Customers can only enroll through the promotional offer page.
After you open a qualifying regular checking account, you must fund the account with new funds at least twice within 90 days using the enhanced direct deposit feature, totaling $3,000 or more. You’ll receive a $325 bonus to that account between the 90th and 120th day after opening the account.
What's the catch?
Free cash may seem like a great deal, but Citibank does put some specific limitations on the promotion that can easily disqualify consumers who don’t follow the terms and conditions.
The type of deposits accepted is one such limitation. You must make what is called an enhanced direct deposit. These are ACH deposits, including:
- Payroll
- Pension
- Social Security
- Government payments
- Incoming Zelle payments
- Other person-to-person payments made through ACH
You must also complete two or more qualifying direct deposits. A single deposit of $3,000 will not qualify for the bonus.
Closing your account before 120 days is up or having it fall out of good standing will also disqualify you.
Is this a good deal for you?
Some of the Citi relationship tiers can benefit customers seeking perks such as unlimited free ATM access or investment resources. Benefits of the Citigold and Citi Priority relationship tiers include:
- Waived fees for money orders and stop payments
- Increased limits for debit card purchases and daily ATM withdrawals
Additional Citigold benefits include:
- Unlimited reimbursement of non-Citibank ATM fees globally
- Investment guidance from Citi Personal Wealth Management
- Up to $200 annually in cash back subscription rebates
Before opening an account, familiarize yourself with Citibank’s fee structure to avoid needless costs. Citibank does charge monthly maintenance fees on some accounts, though service fees can be waived when a minimum balance is maintained.