Find the latest Citizens Bank bonuses, promotions, and offers here.
Currently, you can earn $400 bonus when you open a new checking 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.
I’ll go over all Citizens Bank offers below.
Citizens Access Online Savings
Citizens Access CD
Citizens Bank $400 Checking 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
- 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:
- 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 11/24/2022)
Editor’s Note: Here is an alternative link to the offer expiring 09/29/2022.
| Furthermore, I would compare this offer to some of the best offers available. Current bonuses such as Citigold® Checking Account(Up to $2,000 Cash Bonus), Huntington Platinum Perks CheckingSM ($300 Bonus), Fifth Third Preferred Checking ($250 Bonus), and TD Bank Beyond 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.
- 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 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 $1,000 Savings Bonus (Expired)
Start savings for college now and open a CollegeSaber account before your child’s 12th birthday. You can earn a $1,000 bonus plus interest when they turn 18 years old.
- 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)
| Compare this savings account to alternatives like Discover Online Savings (Up to $200 Bonus + 2.00% APY), UFB Direct Savings (2.21% APY), and CIT Bank Savings Connect (2.10% 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)).
Citizens Bank $600 Checking Savings Bonus (Expired)
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
- 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:
- $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
(Expires January 21, 2021)
| Additionally, you can take advantage of some of the best offers available for entry level checking accounts such as Citi Priority Account (Up to $2000 Cash Bonus), Chase Total Checking ($200 Bonus), Fifth Third Bank Checking ($250 Bonus), and Bank of America Checking ($100 Bonus Offer). |
Fine Print
- 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.
How To Avoid Monthly Fees
- One Deposit Checking: $9.99 monthly fee waived with one deposit each statement period
- EverValue Checking: $5 monthly fee
- Student Checking: No monthly fee if you’re under age 25
- 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
- Wealth Checking: No monthly fee when you maintain $200,000 in 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.