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.
| Bonus type | Bonus amount | Requirements |
|---|---|---|
| Citizens Bank personal checking account | Up to $1,200 over 12 months | Open a new Citizens Bank personal checking account. Each month, get direct deposits totaling $1,000 or more and make one or more qualifying fuel purchases with your Citizens debit card. After meeting requirements, you’ll get a monthly bonus that matches your fuel spending for up to 12 months:
Available October 1 to November 15, 2026. |
| Citizens Bank personal savings account (in conjunction with a personal checking account) | Up to $1,800 over 12 months | Open a new One Deposit Savings, Citizens Quest Savings or Citizens Private Client Savings account on the same date as your new personal checking account. Within 10 business days of opening, make a single deposit of new money and maintain the required balance for up to 12 months:
Available October 1 to November 15, 2026. |
Citizens Bank currently has two bonus offers: one for a new personal checking account and one for a new savings account. Open both on the same day, and you can earn up to $3,000 combined, making the bundle the best Citizens bonus available right now.
It’s a big bonus, but it takes more work than most. The checking bonus requires $1,000 or more in monthly direct deposits plus fuel purchases with your Citizens debit card. To get the full savings bonus, you’ll need to deposit at least $40,000 in new money.
The bonuses are paid monthly for up to 12 months, so you’ll need to keep up with the requirements to earn the full amount.
You can earn the checking bonus with any of these new personal checking accounts:
To also earn the savings bonus, open one of these savings accounts on the same day as your checking account:
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:
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:
Electronic deposits that are not considered for the bonus include peer-to-peer fund transfers from apps like Zelle, Cash App, Venmo or PayPal.
If Citizens Bank isn’t the right choice, compare the best bank account bonus offers.
Earn a $250 bonus
Up to 3.30% APY
Earn up to 4.00% on savings
Compare the 12 best fintech apps by their monthly fees, perks and design.
The EverBank Performance Savings account has a great APY, few fees, and is overall, a top-notch account in our book.
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.
U.S. Bank usually has some bank account bonuses on the table; compare the most recent offers up for grabs.
See how to earn up to $1,500 when you open a new Capital One savings, or up to $250 with a 360 Checking account.
One of PNC’s best bonus offers is its $400 direct deposit bonus. But if you don’t meet the criteria, there are other ways to earn cash.
SoFi offers several bonus offers, including a direct deposit bonus, welcome offers and referral bonuses.
Instant sign-up bonuses with no deposit are not typically offered. However, these bank account bonuses have easy requirements.
