Find the latest Citizens Bank bonuses, promotions, and offers here.
Update 5/27/25: There is now a $750 business checking bonus valid through 8/31/25. The $500 checking & savings bonus is available through 5/31/25 – there’s also a $400 checking bonus good through 8/3/25.
Citizens Bank $500 Checking & Savings Bonus
- What you’ll get: $500 Bonus
- Eligible account: Checking & 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: $9.99; see below on how to to waive the fee
- How to earn it:
- Get $250 bonus when you open your first new personal Citizens Checking account and make one or more direct deposits totaling $1,000 within 60 days. and
- Get $250 bonus when you open your first new personal Citizens Savings account on the same date as you open your new personal Citizens Checking account.
- Then make monthly deposits of $500 or more for 3 months in a row, starting the month after the accounts are opened.
(Expires 05/31/2025)
| Chase Private Client ($3,000 Bonus) | Fifth Third Preferred Checking ($300 Bonus) |
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Fine Print
- To Earn Bonus: To earn a $250 Checking bonus, open your first new personal checking account between 5/16/25 and 5/31/25 and have at least one single direct deposit of $1,000 or multiple direct deposits totaling $1,000 or more post into your new checking account within 60 days of account opening. To earn a $250 Savings bonus, open your first new personal savings account on the same date as the above new checking account (direct deposit not required) and make at least one single deposit of $500 or multiple deposits totaling $500 or more post into your new savings account every month for 3 consecutive months, starting the month after the new checking and savings accounts are opened, as noted in the table below. A total of $1,500 must be on deposit in the new savings account as of the date noted in the table below. To earn the total $500 bonus, you must qualify for both the Checking and the Savings bonuses noted above.
- Qualifications: Primary signer on the new checking and savings accounts may not be or have been a signer on any Citizens personal checking or savings account within the previous six months. Your new account(s) 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. Any account that remains at a zero balance may be closed if it is not funded. 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: Offer is only available in select Citizens branches. 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”. If your new checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.
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:
- To earn a $400 bonus:
- Open your first new personal checking account between 5/19/2025 and 8/3/2025 and
- Have at least one single direct deposit of $1,000 or more post to your new checking account within 60 days of account opening.
- To earn a $400 bonus:
(Expires 08/03/2025)
| Chase Private Client ($3,000 Bonus) | Fifth Third Preferred Checking ($300 Bonus) |
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Fine Print
- To Earn Bonus: To earn a $400 bonus, open your first new personal checking account between 5/19/2025 and 8/3/2025 and have at least one single direct deposit of $1,000 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 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. Any account that remains at a zero balance may be closed if it is not funded. 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 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 $750 Business Checking Bonus
- What you’ll get: $750 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:
- Earn $750 bonus for opening a first new Business Advisor Checking® account and complete offer requirements:
- Open your first new Business Advisor Checking® account
- Deposit at least $30,000 in a single transaction and maintain at least $30,000 of that balance according to the dates listed in the table below
- Make five qualifying transactions within the two months
- Earn $300 bonus for opening a first new Clearly Better Business Checking® account and complete offer requirements:
- Open your first new Clearly Better Business Checking® account
- Deposit at least $5,000 in a single transaction and maintain at least $5,000 of that balance according to the dates listed in the table below
- Make five qualifying transactions within the two months
- Earn $750 bonus for opening a first new Business Advisor Checking® account and complete offer requirements:
(Expires 08/31/2025)
| Chase Business Checking ($300 or $500 Bonus) | Axos Business Premium Savings ($375 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) |
| Bluevine Business Checking ($300 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
Fine Print
- To Earn Bonus: To earn a $750 bonus, open your first new Business Advisor Checking account between 4/1/25 and 8/31/25, and have a minimum single deposit of $30,000 post to the account by the date stated in the table below then remain 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 $300 bonus, open your first new Clearly Better Business Checking account between 4/1/24 and 8/31/25, and have a minimum single deposit of $5,000 post to the account by the date stated in the table below then remain 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; and debit card transactions, including signature and PIN-based debit transactions in person directly at a merchant location, in app or at 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. Transfers between other Citizens accounts do not qualify.
- Eligibility: This offer is non-transferable and is only available for those that received the offer at the address stated on the mailer. Retain the mailer 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 $500 Savings Bonus
- What you’ll get: $250 or $500 Bonus
- Eligible account: Savings
- 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: No
- Monthly Fee: $0 or $4.99 monthly maintenance fee with theOne Deposit Savings from Citizens. Make at least one deposit of any amount each monthly maintenance fee period to waive the fee.
- How to earn it:
- You must have a personal Citizens Checking Account to receive the cash bonus.
- Get $250 when you make one single deposit of at least $10,000 in new money to your personal Citizens Savings account and maintain the savings balance through July 28, 2025. OR
- Get $500 when you make one single deposit of at least $25,000 or more in new money to your personal Citizens Savings account and maintain the savings balance through July 28, 2025.
(Expires 04/26/2025)
| CIT Bank Platinum Savings (4.00% APY). | Discover® Online Savings (Up to $200 Bonus + 3.70% APY) |
| SoFi Checking & Savings ($325 Bonus + 3.80% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| Live Oak Bank Savings (4.10% APY) | |
Fine Print
- To Earn Bonus: You must, 1) have an existing or open a new personal Citizens checking account between 4/11/25 and 4/26/25 and, 2) have an existing or open a new personal Citizens savings account between 4/11/25 and 4/26/25 and, 3) have one single deposit of at least $10,000/$25,000 or more in new money post into one personal Citizens savings account by 4/30/25 and, 4) your savings balance as of the end of the day prior to the qualifying single deposit plus qualifying single deposit ($10,000/$25,000) must be maintained through 7/28/25. The qualifying deposit of $10,000.00-$24,999.99 is eligible for a $250 bonus, or qualifying deposit of $25,000.00 or more is eligible for a $500 bonus. If the qualifying deposit at the end of the retention period drops into the lower tier, you will be eligible for the lower bonus.
- Qualifications: New money is external funds that are not currently on deposit with Citizens or Citizens Access. The participating personal Citizens savings account must remain open and active AND the participating personal Citizens checking 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: Only one personal Citizens savings account is eligible for a bonus and only one customer on the savings account is eligible for a bonus. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to your personal Citizens checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your personal Citizens checking account is closed prior to payout date stated in the table below, then your personal Citizens savings account will also no longer be eligible for this offer. 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: $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, excluding Citizens Private Bank Checking, between 4/18/2024 and 8/1/2024 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
(Expires 08/01/2024)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($300 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- To Earn Bonus: To earn a $250 bonus, open your first new personal checking account, excluding Citizens Private Bank™ Checking, between 4/18/2024 and 8/1/2024 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) | Fifth Third Preferred Checking ($300 Bonus) |
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $3,000 Cash 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 $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:
(Limited time offer)
| CIT Bank Platinum Savings (4.00% APY). | Discover® Online Savings (Up to $200 Bonus + 3.70% APY) |
| SoFi Checking & Savings ($325 Bonus + 3.80% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| Live Oak Bank Savings (4.10% 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!
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
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.