Citi Offer

Bonus Details

Choose one bonus: $325 with at least two Enhanced Direct Deposits totaling $3,000, or $500/$1,500 with $30,000/$200,000 in new-to-Citibank funds and the required balance maintenance. Bonuses are paid between days 90 and 120 after opening; keep your account open and in good standing.

How To Qualify

Apply through the matching offer page for a new Regular Checking account. For $325, receive at least two Enhanced Direct Deposits totaling $3,000 within 90 calendar days; qualifying deposits include payroll, incoming Zelle and ACH payments from Venmo or PayPal. Alternatively, enroll when opening and deposit $30,000 for $500 or $200,000 for $1,500 in new-to-Citibank funds within 45 calendar days, then maintain the required balance for another 45 days starting day 46.

The Fine Print

Monthly Fees: $15
Credit Inquiry: Soft Pull
Account Type: Personal Checking Account
Expiration Date: 10/26/2026
ChexSystems: true
Additional Requirements: Must not have owned a Citi checking account in the last 365 days. Must meet tax requirements and be at least 18 years old.
Availability: Nationwide

Monthly Fee Details

$15 monthly service fee for Regular Checking. Waived in the month of account opening and for 3 months after, or each month the account has $250 or more in Enhanced Direct Deposits.

Official offer terms

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

Open a new Regular Checking account by applying exclusively from this page from 4/14/26 to 10/26/26. Only new checking customers qualify. Deposit at least two (2) Enhanced Direct Deposits directly into your new Regular Checking account within 90 calendar days from account opening. The total of all your completed Enhanced Direct Deposits must equal $3,000 or more. Deposits made to a savings account are not eligible. You’ll receive the bonus as a credit to your eligible, Regular Checking Account between the 90th and 120th calendar day after account opening, provided you keep your account open and in good standing. 1 Offer 2 Additional Information †Checking Fees: Checking Account Type Monthly Service Fee** ATM Fee Overdraft or Returned Item Fees Regular Checking $15.00 waived for customers in Relationship Tiers‡ or each month the account has $250+ in Enhanced Direct Deposits.