Find the latest Citizens Bank bonuses, promotions, and offers here.
Currently, you can earn up to a $600 bonus when you open a new checking and savings account and meet the requirements.
Table of Contents
Citizens Bank Bonuses Review
As the 13th largest retail bank in the United States, Citizens Bank has been delivering excellent financial services.
- Promotion Links:
- $400 Checking Savings Bonus (05/13/2021)
- Account Type: One Deposit Checking, Value Checking, Personal Checking with Interest, Circle Gold Checking with Interest, and/or GoalTrack Savings Account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT (Bank Locator)
- Branches: 1200+ (Bank Locator)
- Credit Inquiry: Soft Pull via ChexSystems
- Direct Deposit Options: ACH, Capital One 360
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.
I’ll go over all Citizens Bank offers below.
Citizens Bank $400 Checking Savings Bonus
Earn up to a $400 bonus when you open a checking and savings account and meet certain requirements.
- What you’ll get: $400 Bonus
- Eligible account: Checking account
- Credit Inquiry: Soft Pull
- Where it’s available: Nationwide (Bank Locator)
- How to earn it:
- Open a qualifying checking account and make a direct deposit of $500 or more
- When you’ll receive it: Not listed, check with CSR
- Monthly fee: Varies by account, see below how to waive
(Expires May 13, 2021)
How To Earn $400 Checking Savings Bonus
- To earn up to 400 bonus in total:
- Earn first $300 bonus, open your first new personal checking account between 2/1/2021 – 5/13/2021 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 (up to $100) that post and clear your new checking account within 60 days of account opening.
- One Deposit Checking:
- Any amount to open
- No overdraft fees if overdraft occurs due to a transaction of $5 or less
- 24/7 account access to view accounts online and via mobile app
- Platinum Checking:
- Personalized advice
- Fewer fees and Platinum rates
- Preferred service at Citizens Platinum Services
- One Deposit Checking Account: $9.99 monthly fee waived with one direct deposit per statement
- Platinum Checking Account: $25 fee is waived with $25,000 in combined deposits
Qualifications:
- Primary signer on the new checking account may not be or have been a signer on any Citizens Bank personal checking account within the previous six months.
- The new account must be open and in good standing on the payout date stated in the table below to qualify for this offer.
- Direct Deposit is recurring income electronically deposited into your Citizens Bank checking account and may include salary, pension, and other regular income.
- 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.
- Only one debit card per checking account eligible for bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
Eligibility:
- Customer must open their first new checking account via Citizens Bank’s 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.
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.
(Expired) Citizens Bank $600 Checking Savings Bonus
Receive up to a $600 bonus when you open a checking and savings account and meet certain requirements.
- What you’ll get: $600 Bonus
- Eligible account: Checking account
- Credit Inquiry: Soft Pull
- Where it’s available: Nationwide (Bank Locator)
- How to earn it:
- Open a qualifying checking account and make a direct deposit of $500 or more
- Open a savings account with a minimum of $15,000
- When you’ll receive it: Bonus will be deposited to the new checking account depending on when you opened the account and will be labeled as “Balance Builder Bonus”.
- Monthly fee: Varies by account, see below how to waive
(Expires January 21, 2021)
Additionally, you can take advantage of some of the best offers available for entry level checking accounts such as Chase Total Checking® ($200 Bonus), HSBC Advance Checking ($240 Bonus), Huntington 5 Checking ($200 Bonus), Huntington Asterisk-Free ($150 Bonus) as well as TD Bank Convenience Checking ($150 Bonus) are all great offers.
How To Earn $600 Checking Savings Bonus
- $300: Open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
- $200: Open your first new personal savings account with a minimum of $15,000 not currently on deposit with
Citizens and maintain that balance for 3 months. - $100: Get an additional $100 when you do both
- One Deposit Checking:
- Any amount to open
- No overdraft fees if overdraft occurs due to a transaction of $5 or less
- 24/7 account access to view accounts online and via mobile app
- Platinum Checking:
- Personalized advice
- Fewer fees and Platinum rates
- Preferred service at Citizens Platinum Services
- One Deposit Checking Account: $9.99 monthly fee waived with one direct deposit per statement
- Platinum Checking Account: $25 fee is waived with $25,000 in combined deposits
- To earn a $300 Checking bonus, open your first new personal checking account between 10/12/2020 and 1/21/2021 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening OR to earn a $200 Savings bonus, you must open your first new personal savings account on the same date as the above new checking account (direct deposit not required) and have a minimum of $15,000 not already on deposit with Citizens post within 10 days of account opening and remains on deposit until date stated in the table below.
- To earn an additional $100 bonus, you must qualify for both the $300 Checking and the $200 Savings bonuses noted above.
- Customer must open their first new checking and/or savings account via Citizens’ online account opening system accessed by clicking on one of the links on this page.
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.
Check back often for more Citizens Bank Bonuses, Promotions, or Offers!
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Bank of America Checking | $100 Offer | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| BBVA Free Checking + Savings | $250 Cash | Review |
| Aspiration | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 25 Checking | $300 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Ally Invest | Up to $3,000 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| Discover Bank Cashback Debit | $360 Debit Cashback | Review |
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
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.
Thank you for your comment. I was about to open an account with them but now I will not.
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.
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.