Citibank, or just Citi, does offer bank account bonuses from time to time.
At the time of writing, Citibank has a few bonuses up for grabs for its checking account.
| Account | Bonus amount | Requirements | Learn more |
|---|---|---|---|
| Citibank Regular Checking account | $325 | Open a new Regular Checking account by October 26, 2026 and set up direct deposit. You must have received at least two direct deposits within 90 days of account opening, and the direct deposits must total $3,000 or more. | |
| Citibank Regular Checking account | $500 or $1,500 | Open a new Regular Checking account by October 26, 2026. Deposit new money into your checking account within 45 calendar days from account opening, and the balance on the 45th day will determine your cash bonus amount. $30,000 minimum balance earns $500, and $200,000 minimum balance earns $1,500. Maintain the required minimum balance in your Regular Checking account for an additional 45 days from the 46th day of opening. Bonus will be paid to your open Regular Checking account between the 90th and 120th calendar day after account opening if the account is open and in good standing. |
We’ve got two offers on the table; one with simple and attainable requirements, and another one with massive balance requirements. The $325 bonus offer is what we’d consider middle of the road, but the best from what we’ve got to compare. It really only requires setting up direct deposit, but the total deposits must total $3,000 within 90 days of opening. Compared to other bonuses with similar payouts, the requirements are simple, but it will require $3,000 over the course of a few months to get $325.
The $500/$1,500 bonus requires big balances and a long commitment. You’d need to deposit and maintain a minimum of $30,000 for a while before you can get the $500 bonus, and the $1,500 bonus requires a $200,000 balance. Overall, it’s not the best bonus offer or the easiest one to earn, either.
Citi requires “Enhanced Direct Deposit (EDD)” when it comes to its direct deposit bonus requirements. What does Citi mean by enhanced direct deposit?
Short answer: Basically, it just means Citi wants you to have direct deposit through a legitimate source through the ACH network (which will include typical payroll or government benefits).
Long answer: Citi requires that your direct deposit is an electronic deposit through the ACH network and is of payroll, pension, Social Security, government benefits and other payments. Also, the “enhanced” direct deposit can include incoming Zelle payments or other peer-to-peer apps if transferred through the ACH network.
At the end of the day, Citi just doesn’t include ATM deposits or transfers between accounts as “direct deposit” for the purpose of waiving its account monthly fees or earning bonuses. To meet Citi’s requirements, your direct deposit just has to be legit.
Citibank’s current offer does eligible folks to have not owned a Citibank Regular Checking account or Access Checking account in the last 365 days, and that you’re 18 years old, and you sign up for the account and meet requirements in the offer period between April 14, 2026 to October 26, 2026.
Not bad offers, but Citibank just might not be for you. Compare more bank account bonus offers.
Greenlight, Modak Makers, Current, Step, Alliant Credit Union, Axos and these others are some of the best bank accounts for teens.
Credit One offers savings products and credit cards, which are solid, but it’s not a good choice for a full-service bank.
PNC is a very large bank in the US. See how it stacks up when it comes to account options, customer ratings and services.
Ally Bank sometimes offers new customer bonuses, but right now, they just have an active referral program.
BMO is a large bank with a variety of bonuses available, up to $1,500.
Offering up to $500 in checking bonuses, KeyBank’s bonuses are enticing. However, the bank doesn’t operate in all states.
Compare Citizens Bank two personal bank account bonuses; but one of them requires getting two accounts at the same time.
SoFi offers several bonus offers, including a direct deposit bonus, welcome offers and referral bonuses.
The GO2bank account’s best perks require direct deposit, but there’s a great savings rate and overdraft coverage.
You can open a joint bank account with three or more people. Learn how it works, how to sign up and what risks to be aware of.
