Citizens Bank has a bundle bonus worth up to $400. Open a personal checking and savings account together and meet the deposit requirements to earn both the $300 and $100 bonuses.
The $300 checking bonus needs a single direct deposit of $500 or more. You have 60 days from opening to make it, and it has to be a qualifying deposit like salary or pension.
Watch the expiration date. Both the $300 checking and $100 savings offers expire October 25, 2026.
This summary was generated by AI and may contain errors or omissions.
Right now, Citizens Bank has two bonuses — well it’s actually a bundle bonus up to $400 when you open two accounts together and meet the deposit requirements.
All Citizens Bank bonuses at a glance
Bonus type
Bonus amount
Requirements
Citizens Bank personal checking account
$300
Open a Citizens Bank personal checking account, and make a single direct deposit of $500 or more within 60 days of opening.
Expires October 25, 2026.
Citizens Bank personal savings account (in conjunction with a personal checking account)
$100
Open a Citizens Bank personal savings account on the same date as you open a personal Citizens Bank checking account, and then make monthly deposits of $350 or more for three consecutive months (starting the month of or after the two accounts are open).
Expires October 25, 2026.
Citizens Bank’s best bonus offer
Considering there’s really only one Citizens Bank bonus offer, and it’s for the bank’s personal checking and savings account bundle bonus, that’s the best bonus by default. When combined, the offer adds up to a $400 bonus without much work required.
So while it’s the only offer on the table, it’s still a solid one.
The requirements are pretty lax and simple, but if you want the full $400, you’ve got to open two accounts on the exact same day.
Which Citizens Bank accounts are eligible for the $300 and $100 offer?
To earn both bonuses, you have to bundle a checking and savings account and open them on the same date. There are a five bundle options available:
One Deposit Checking and Savings
Citizens Quest Checking and Savings
Citizens Private Client Checking and Savings
Citizens EverValue Checking and One Deposit Savings
Student Checking and One Deposit Savings
What does Citizens Bank consider a qualifying direct deposit?
The Citizens Bank checking account bonus requires a single direct deposit of at least $500 to qualify, and Citizens Bank considers these as qualifying direct deposits:
Salary
Pension
Regular income
Electronic deposits that are not considered for the bonus include peer-to-peer fund transfers from apps like Zelle, Cash App, Venmo or PayPal.
Compare more bank account bonuses
There’s really only one Citizens Bank personal account bonus offer and you have to open two accounts. If Citizens Bank isn’t the right choice, compare the best bank account bonus offers.
Earn a $250 bonus with 360 Checking. Open a new account on or after August 22nd, 2024 using the promo code CHECKING250 then set up and receive at least 2 qualifying direct deposits of $500 or more within 75 days of account opening. Terms Apply.
No, the $300 Citizens bank checking bonus and the $100 savings bonus is an online-exclusive bonus. To be eligible for the bonus, you must sign up for the accounts online and select the "Bundle It" button under one of the pairs. For example, you could go with the One Deposit Checking and Savings, or the Citizens Quest Checking and Savings bundle.
New personal checking and savings customers are eligible for the online Citizens Bank $300 and $100 bonuses.
Yes, but that was Citizens Bank of Iowa — not Citizens Bank of Citizens Financial Group (the bank we're covering here). Citizens Financial Group is still an operating national bank.
Yes, Citizens Bank has federal deposit insurance through the FDIC, and uses bank-level security measures to protect consumer information.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine.
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