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Chase vs Citi: Bank Bonus Comparison

Updated October 2026 — See which bank bonus is better for you.

Chase Checking and Savings Bonus

$900 bonus

Hold Period
90 days
Qualifying Period
Checking: direct deposit within 90 days; Savings: deposit within 30 days
Requirements
Open new Chase Total Checking account; Direct deposit of any amount within 90 days; Open new Chase Savings account; Deposit $15,000 minimum in new money within 30 days; Maintain $15,000 balance for 90 days from enrollment; Make direct deposits totaling $1,000 or more within 90 days of enrollment; Deposit $15,000 or more in new money within 30 days; Chase Total Checking: Set up direct deposit within 90 days; Chase Savings: Deposit $15,000 or more within 30 days and maintain $15,000 for 90 days; For $900 combo: Open both accounts at same time and complete both sets of requirements; Open Chase Total Checking account; Direct deposit required to checking (no minimum amount); Open Chase Savings account (for $200 bonus); Deposit $15,000+ in new money to savings within 30 days; Maintain $15,000+ balance in savings for 90 days; Open Chase Total Checking account and Chase Savings account; Direct deposit required to checking account; Deposit $15,000 into savings account within 30 days of offer enrollment; Maintain $15,000 in savings for 90 days from offer enrollment; Checking: Direct deposit of $1,000+ within 90 days of account opening; Savings: Deposit $15,000+ in new money within 30 days of account opening and maintain $15,000 balance for 90 days from enrollment; $1,000+ direct deposit within 90 days of offer enrollment; Open new Chase Savings account at same time as checking; Deposit $15,000+ new money within 30 days of offer enrollment; Maintain $15,000+ balance in savings for 90 days from offer enrollment; Direct deposit to checking account (within 90 days of coupon enrollment); Deposit $15,000+ to savings account (within 30 days of coupon enrollment); Maintain $15,000 balance in savings for 90 days; Both accounts must remain open at time of payout; Open Chase Total Checking account (requires approval); Direct deposit of any amount to checking within 90 days of coupon enrollment; Open Chase Savings account (requires approval); Deposit $15,000+ in new money to savings within 30 days of coupon enrollment; Maintain $15,000 balance in savings for 90 days from coupon enrollment; For $900 combo: must open both accounts at same time and complete all requirements for both bonuses; Accounts must remain open and not restricted at time of payout; Direct deposit of $1,000 or more within 90 days (for $400 bonus); For savings: deposit $10,000+ within 30 days and maintain for 90 days; Open Chase Total Checking account (checking bonus); Set up direct deposit within 90 days of coupon enrollment (checking bonus); Open Chase Savings account (savings bonus); Deposit $15,000 or more in new money within 30 days of coupon enrollment (savings bonus); Maintain $15,000 balance for 90 days from coupon enrollment (savings bonus); New money cannot be existing Chase funds; Open a Chase Total Checking account; $1,000+ in direct deposits within 90 days of checking coupon enrollment; Open a Chase Savings account (separate); Deposit qualifying new money within 30 days of savings enrollment; Maintain new money for 90 days in savings account; $1,000+ direct deposit to checking within 90 days of enrollment; Open Chase Savings account; $15,000+ new money deposit to savings within 30 days of enrollment; Maintain $15,000 balance in savings for 90 days from enrollment; Account must not be closed or restricted at payout time; $1,000+ direct deposit required for checking (within 90 days of enrollment); $15,000+ new money deposit into savings (within 30 days of enrollment); Direct deposit (paycheck, pension, or government benefits) within 90 days for checking bonus; Deposit $5,000+ in new money within 30 days for deposit-based bonuses; Maintain required balance for 90 days from coupon enrollment for savings bonus ($15,000); Set up direct deposit of paycheck, pension, or government benefits within 90 days of coupon enrollment; Deposit $15,000+ new money to savings within 30 days; Open both accounts at the same time to qualify for $400 extra bonus; Direct deposit (any amount) to checking within 90 days; $15,000 deposit to savings within 30 days (for combo/savings bonus); Accounts subject to approval; Open a new Chase Total Checking account and set up a direct deposit within 90 days of coupon enrollment; Open a new Chase Savings account and deposit $15,000+ in new money within 30 days, then maintain $15,000 balance for 90 days (for the tiered bonuses shown); For $900 combo bonus: Must open both checking and savings at the same time and complete all requirements for both; Open new Chase Total Checking account and receive direct deposit within 90 days of coupon enrollment; Open new Chase Savings account and deposit $15,000+ in new money within 30 days and maintain for 90 days; New money cannot be funds held at Chase or its affiliates; For combo bonus: complete both checking and savings requirements; Open new Chase Total Checking account and a new Chase Savings account; Have direct deposit made to checking account within 90 days of coupon enrollment; Deposit $15,000+ in new money into savings account within 30 days of coupon enrollment; Deposit $15,000 or more in new money into savings account within 30 days of coupon enrollment; Maintain at least $15,000 balance in savings for 90 days from coupon enrollment; Open new Chase Total Checking account and new Chase Savings account; Direct deposit made to checking account within 90 days of coupon enrollment; Deposit $15,000+ in new money to savings account within 30 days and maintain for 90 days; New money cannot be funds held at Chase or affiliates; Open Chase Total Checking account and receive direct deposits (paycheck, pension, or government benefits) totaling at least $1,000 within 90 days of coupon enrollment; Open Chase Savings account and deposit $15,000+ in new money within 30 days of coupon enrollment; Both accounts must be opened at the same time for $900 bonus
Expires
January 26, 2027
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Citi Business Checking Bonus

$2,000 bonus

Hold Period
45 days (from day 46)
Qualifying Period
45 days from account opening
Requirements
Deposit $5,000-$200,000 within 45 days of account opening; Maintain qualifying balance for 45 consecutive days starting from day 46; Account must remain open and in good standing when bonus is credited; Open new CitiBusiness Streamlined or Flexible Checking account; Deposit new-to-Citibank funds within 45 days; Maintain required balance for 45 consecutive days after initial 45-day funding period; Deposit of $5,000 or more in new-to-Citibank funds within 45 days of account opening; Maintain the required minimum balance for 45 consecutive calendar days starting from day 46 of account opening; Enroll with a Citibank Business Specialist; Deposit new-to-Citibank funds within 45 days of account opening; Maintain required qualifying balance for 45 consecutive days after initial deposit period; Deposit $5,000 or more in new-to-Citibank funds within 45 days of account opening; Maintain required minimum balance for 45 consecutive days starting from day 46 of account opening; Account must remain open and in good standing; Min $5,000 deposit of new-to-Citibank funds within 45 days; Maintain required minimum balance for additional 45 days; Open new eligible business checking account; Enroll in offer within same day as account opening; Deposit minimum qualifying amount within 45 days of opening; Maintain balance for additional 45 consecutive days starting day 46; Deposit minimum qualifying amount within 45 days of account opening; Maintain required minimum balance for 45 consecutive days starting on day 46; Open eligible CitiBusiness Streamlined or Flexible Checking Account; Make qualifying deposit of stated amount within 45 days; Maintain required minimum balance for 45 consecutive days starting day 46; Open CitiBusiness Analyzed, Streamlined, or Flexible Checking account; Deposit minimum $5,000 in new-to-Citibank funds within 45 days; Maintain deposit balance from Day 46 through Day 90; Open a CitiBusiness Analyzed, Streamlined, or Flexible Checking Account; Enroll in offer with Citibank Business Specialist during application; Deposit minimum $5,000 to $200,000 in new-to-Citibank funds within 45 days; Maintain deposited balance for 45 consecutive days after Day 45; Open new CitiBusiness Analyzed, Streamlined, or Flexible Checking Account; Enroll with Citibank Business Specialist; Deposit minimum $5,000+ in New-to-Citibank funds within 45 days of account opening; Maintain required balance for additional 45 days; Open a new CitiBusiness (Analyzed), Streamlined, or Flexible Checking Account; Deposit qualifying amount of New-to-Citibank funds within 45 days of account opening; Maintain required minimum balance for 45 consecutive calendar days after the initial 45-day funding period; Open new CitiBusiness Checking account (Analyzed, Streamlined, or Flexible); Deposit qualifying balance within 45 calendar days of opening; Maintain qualifying balance for 45 consecutive calendar days after funding period
Expires
January 5, 2027
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Bottom Line

Citi offers a higher bonus ($2,000 vs $900). However, be sure to compare hold periods and requirements before deciding.

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