Citi Offer

Bonus Details

Earn $325 with qualifying electronic deposits, OR $500/$1,500 with $30,000/$200,000 in new-to-Citi funds. For the balance offer, apply through its offer page and enroll when opening; fund within 45 days and maintain the qualifying balance for another 45 days starting day 46. Keep checking open and in good standing through payment, due between days 90 and 120.

How To Qualify

Open a new Citi Checking account and make at least 2 "enhanced" direct deposits totaling $3000 combined within 90 days of account opening. In addition to the normal paycheck, pension, social security, and government benefits, an Enhanced Direct Deposit also includes Zelle incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network using providers such as Venmo or PayPal.

Deposits have to be to checking, not savings.

The Fine Print

Monthly Fees: $15
Credit Inquiry: Soft Pull
Account Type: Personal Bank Account
Expiration Date: 10/26/2026
ChexSystems: yes
Availability: Nationwide

Monthly Fee Details

$15 monthly fee waived with at least $250 in "enhanced" direct deposits, which include ACH and Zelle payments, or if you are in a relationship tier (requires at least $30,000 in assets with Citi).

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

Choose your bonus with a new Citi® Regular Checking account New checking customers can earn one of these great bonus offers by opening a new Regular Checking account with required activities. Earn $325 with Enhanced Direct Deposit* Complete at least 2 EDDs* into your new Regular Checking account within 90 calendar days of account opening. Learn More Cash Bonus Enhanced Direct Deposit Sum $325 $3,000 + OR Earn up to $1,500 with qualifying activities Deposit New-to-Citibank Funds into your new Regular Checking account within 45 calendar days within account opening, and maintain your balance for an additional 45 calendar days. Learn More Cash Bonus Minimum Balance $500 $30,000 - $199,999 $1,500 $200,000 + The bonus will be deposited as a credit to your open Regular Checking account after you have completed all required activities, between the 90th and 120th calendar day after account opening.