Find the latest Citizens Bank bonuses, promotions, and offers here.
Currently, Citizens Bank is offering $400 bonuses when you open a new checking account and meet the requirements.
Update 3/18/24: There is now a variation of the $400 bonus offer that only requires direct deposit and no debit card transaction requirements.
Citizens Bank $400 Checking Bonus
- What you’ll get: $400 Bonus
- Eligible account: Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Required: Yes
- Monthly Fee: $9.99; see below on how to to waive the fee
- How to earn it:
- Get $300 when you open your first new checking account. Open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
- Get up to $100 when you use your new debit card for purchases. Earn $2 for every debit card purchase you make, up to $100 within the next 60 days.
(Expires 04/11/2024)
Editor’s Note: Here’s an another link to earn a $400 bonus when you open your first new personal checking account and set up and make a single direct deposit of $500 or more within 60 days. Valid through 3/31/2024.
Chase Private Client ($3,000 Bonus) | U.S. Bank Smartly® Checking ($400 Cash Bonus) |
KeyBank Checking ($200 bonus) | Fifth Third Preferred Checking ($325 Bonus) |
Fine Print
- To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 12/28/2023 and 4/11/2024 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening.
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle, CashApp, Venmo or PayPal. Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card transactions from all cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
- Eligibility: Customer must open their first new personal checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. One debit card bonus per checking account. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $250 Checking Bonus
- What you’ll get: $250 Bonus
- Eligible account: Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Required: Yes
- Monthly Fee: $9.99; see below on how to to waive the fee
- How to earn it:
- To earn a $250 bonus, open your first new personal checking account
- Have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
(Expires 04/11/2024)
U.S. Bank Smartly® Checking ($400 Cash Bonus) | Truist Checking ($400 bonus) |
Chase Total Checking ($300 Bonus) | KeyBank Checking ($200 bonus) |
Bank of America Checking ($200 Bonus Offer) | Fifth Third Bank Checking ($325 Bonus) |
Axos Bank Rewards Checking ($300 Bonus) |
Fine Print
- To Earn Bonus: To earn a $250 bonus, open your first new personal checking account between 12/28/2023 and 4/11/2024 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle, CashApp, Venmo or PayPal.
- Eligibility: Customer must open their first new checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $1000 Checking Bonus (In-Branch Offer) (Expired)
- What you’ll get: $1000 Bonus
- Eligible account: Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Required: Yes
- Monthly Fee: $0-$25; see below on how to to waive the fee
- How to earn it:
- Citizens Bank is offering a checking bonus of up to $1,000.
- To earn a $300 Checking bonus, open your first new One Deposit Checking, Citizens EverValue Checking, or Student Checking account between 8/4/23 and 8/19/23 and have at least one single direct deposit of $1000 or multiple direct deposits totaling $1000 or more post to your new checking account within 60 days of account opening.
- To earn a $500 Checking bonus, open your first new Citizens Quest Checking account between 8/4/23 and 8/19/23 and have at least one single direct deposit of $5000 or multiple direct deposits totaling $5000 or more post to your new checking account within 60 days of account opening.
- To earn a $1000 Checking bonus, open your first new Citizens Private Client Checking account between 8/4/23 and 8/19/23 and have at least one single direct deposit of $5000 or multiple direct deposits totaling $5000 or more post to your new checking account within 60 days of account opening.
- To earn a $200 Credit Card bonus, you must qualify for one of the Checking bonuses above and open your first personal Citizens Credit Card between 8/4/23 and 8/31/23.
- Citizens Bank is offering a checking bonus of up to $1,000.
(Expires 11/28/2023)
Chase Private Client ($3,000 Bonus) | U.S. Bank Smartly® Checking ($400 Cash Bonus) |
KeyBank Checking ($200 bonus) | Fifth Third Preferred Checking ($325 Bonus) |
Fine Print
- Offer available only for accounts opened in a branch.
- To Earn Bonus: To earn a $300 bonus, open your first new One Deposit Checking, EverValue Checking, or Student Checking account between 11/24/23-11/28/23 and have at least one single direct deposit of $1,000 or multiple direct deposits totaling $1,000 or more post to your new checking account within 60 days of account opening. Or, to earn a $500 bonus, open your first new Citizens Quest® Checking account between 11/24/23-11/28/23 and have at least one single direct deposit of $5,000 or multiple direct deposits totaling $5,000 or more post to your new checking account within 60 days of account opening. Or, to earn a $1,000 bonus, open your first new Citizens Private Client™ Checking account between 11/24/23-11/28/23 and have at least one single direct deposit of $10,000 or multiple direct deposits totaling $10,000 or more post to your new checking account within 60 days of account opening.
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new checking account must have a balance greater than zero and remain open and active through the payout date stated in the table to the right to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®.
- Eligibility: Customer will only be paid a one-time bonus for this program. Only one checking account is eligible for a bonus. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table to the right and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $250 Checking Bonus (Expired)
- What you’ll get: $250 Bonus
- Eligible account: Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Required: Yes
- Monthly Fee: $0-$25; see below on how to to waive the fee
- How to earn it:
- To earn a $250 bonus, open your first new personal checking account between 12/1/2022 to 3/16/2023 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
(Expires 03/16/2023)
U.S. Bank Smartly® Checking ($400 Cash Bonus) | Truist Checking ($400 bonus) |
Chase Total Checking ($300 Bonus) | KeyBank Checking ($200 bonus) |
Bank of America Checking ($200 Bonus Offer) | Fifth Third Bank Checking ($325 Bonus) |
Axos Bank Rewards Checking ($300 Bonus) |
Fine Print
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months.
- The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below to qualify for this offer.
- Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income.
- Eligibility: Customer must open their first new checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page.
- Customer should print this screen for their records.
- Customer will only be paid a one-time bonus for this program.
- Offers may be withdrawn without notice and cannot be combined with any other checking offer.
- Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
- Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $500 Business Checking Bonus (Targeted) (Expired)
- What you’ll get: $500 Bonus
- Eligible account: Business Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Required: Yes
- Monthly Fee: $0-$25; see below on how to to waive the fee
- How to earn it:
- To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account and make five qualifying transactions in the two months.
- To earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account and make five qualifying transactions in the two months.
(Expires 05/15/2023)
Chase Business Checking ($400 Bonus) | U.S. Bank Business Checking ($350 or $800 Bonus) |
Axos Bank Basic Business Checking ($400 Bonus) | Axos Bank Business Interest Checking ($400 Bonus) |
Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
Huntington Business Checking 100 ($200 Bonus) | Bank of America Business Checking ($200 bonus offer) |
Fine Print
- To Earn Bonus: To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below OR to earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below.
- Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app; payments made by check or Online Bill Pay; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites.
- Transfers between other Citizens accounts do not qualify.
- Qualifications: Primary signer on the new business checking account may not be or have been a signer on any Citizens business checking account within the previous six months.
- Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
- Eligibility: Retain this flyer for your records.
- Customer will only be paid a one-time bonus for this program.
- Offers may be withdrawn without notice and cannot be combined with any other business checking offer.
- Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new business checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
- Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $1,000 Savings Bonus (Expired)
- What you’ll get: $1,000 Bonus
- Eligible account: CollegeSaver Savings Account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Required: Yes
- Monthly Fee: $0
- How to earn it:
- To earn $1,000 bonus:
- Open a CollegeSaver account before your child’s 12th birthday
- Save at least the monthly minimum amount every year. $25 if child is under 6 years of age at opening, $50 if child is 6 or older but under 12 years of age at opening.
- Receive a $1,000 bonus plus interest when your child turns 18
- To earn $1,000 bonus:
(No expiration date listed)
Western Alliance Bank High-Yield Savings Premier (5.36% APY) | Customers Bank High Yield Savings (5.26% APY) |
RBMAX High Yield Savings (5.20% APY) | SoFi Checking & Savings ($325 Bonus + 4.60% APY) |
Ponce Bank Money Market (5.28% APY) | Harborstone Credit Union Money Market (5.25% APY) |
CloudBank 24/7 High Yield Savings (5.26% APY) |
Fine Print
- Terms, conditions and withdrawal limitations apply.
- Account must be opened before child’s 12th birthday.
- To receive the $1,000 bonus plus interest, you must save the monthly minimum amount each year.
- One skipped deposit allowed per year.
- Account must be open to receive bonus.
- One account per child.
- Once the program requirements have been met, the bonus plus accrued interest will be credited to your CollegeSaver account and labeled as “CollegeSaver Bonus” on your statement; bonus will post within 45 days after the child’s 18th birthday.
- Minimum balance for the bonus at beneficiary’s 18th birthday varies.
- Interest will be reported to the IRS for the account owner (e.g., a parent or a child for UTMA (Uniform Transfers to Minors Act)).
How To Avoid Monthly Fees
- One Deposit Checking: $9.99 monthly fee waived with one deposit each statement period
- Quest Checking: $25 monthly fee waived with one of the following:
- Make $5,000 in total deposits to your primary checking each statement period OR
- Maintain $25,000 in monthly combined deposits and investments
- Clearly Better Business Checking: No monthly fee
- Business Advisor Checking: $25 monthly fee waived if:
- $10,000 average daily balance -OR-
- $35,000 monthly combined balance.
- Citizens Analysis Business Checking: $2o Monthly Maintenance Fee cannot be waived; however, the cost of this fee can be offset using an Earnings Credit.
Conclusion
Lastly, Citizens Bank is offering an attractive bonus with their Checking and Savings Account. Through this account, you will gain access to the best features and benefits the bank has to offer. Additionally, it’s great to know that the account triggers a soft pull, which will not harm your credit.
Feel free to comment on this post with any questions you may have about Citizens Bank, their accounts they offer, or Citizens Bank coupon codes.
These bonuses from Citizens Bank are fairly simple to earn and I recommend taking advantage of this offer before it expires. However, Citizens Bank rates aren’t that great, so check our best rates Savings, Money Market, and CD accounts.
If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Check back often for more Citizens Bank Bonuses, Promotions, or Offers!
tin says
hello thanks so much for all your help. i would like to ask if i could get code for the citizens bank one deposit savings and checkings since i will be opening this thru a local branch thanks so much
Julie, NYC says
I used the previous promotion that expired in December 2019. And, after banking with Citibank, Chase, HSBC, Capital One, Amex Personal Savings, & Bank of America, this has been the WORST banking experience for me. You can’t easily transfer money, between YOUR own accounts, they have limits, of which they don’t disclose or notify you. I had to jump through the million hoops to JUST FUND that savings account. When with all other mentioned banks transfers were easy and smooth. And if you want to transfer out of Citizens bank – online- they’ll charge you $3. WTF?
and you receive two plastic cards: one for savings one for checking account-another WTF? and i almost never curse. And today a customer service representative said that i forfeited my promotion by not funding the savings account on the same day? (I promise, my last) WTF!. it’s an ON-line account, did they write in the promotion that you have to post a check or cash? but then again, perhaps they have limits on depositing cash. like with even in-coming transfers you can request nor schedule separate transfers on the same day – well, i will NEVER bank with them again
M Sedler says
I also had an issue where they didn’t credit the $200 savings and additional $100 for doing the checking and savings because I didn’t open the checking and savings on the same day. Except I had the confirmation e-mail that I had. It took numerous phone calls over weeks to get them to finally admit their system was the issue and give me the $300 savings bonus.
Isa Shen says
Thank you for your comment. I was about to open an account with them but now I will not.
Su Min says
I took $200 bonus on Citizens Bank last year.
it has already been 6 months since I closed my account. Can I take another bonus ?
I thought somewhere in print it says that customer can have this bonus for only 1 time.
Pastor D Weems says
I I started my account with Citizens Bank on 11 September. The account didn’t officially open until the 19 September, go figure. I am still waiting to get the promotional credit almost 120 days in. I have reached out the bank on numerous occasions no credit yet.