What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
Bank
Citi Checking Bonus — Up to $325 + $100
Apply to Citi Checking Bonus and earn up to $425 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $3,000+ Enhanced Direct Deposits | $325 |
| $5,000+ Enhanced Direct Deposits (Select States) | $475 |
Hold Period
Account must remain open until bonus posts (through day 120 post-opening)
Qualifying Period
Within 90 days of account opening
Payout
Between day 90 and 120 after account opening (within 30 days of meeting requirements)
Requirements
- ✓Open new Citi Regular Checking account by 10/26/26
- ✓At least 2 Enhanced Direct Deposits within 90 days
- ✓$3,000+ in Enhanced Direct Deposits for $325 bonus
- ✓$5,000+ in Enhanced Direct Deposits for $475 bonus (select states only)
- ✓Open new eligible Citi Regular Checking account with Enhanced Direct Deposits
- ✓Enroll in offer from promotion page
- ✓Deposit qualifying Enhanced Direct Deposits within 90 calendar days
- ✓Open new eligible Citi Regular Checking account
- ✓For $325: At least 2 Enhanced Direct Deposits totaling $3,000+ within 90 days
- ✓For $475: $5,000 deposit and 2 Enhanced Direct Deposits within 90 days
- ✓Deposit at least two Enhanced Direct Deposits
- ✓$325 tier: $3,000+ total Enhanced Direct Deposits within 90 days
- ✓$475 tier: $5,000+ total Enhanced Direct Deposits within 90 days
Restrictions
- ⚠New checking customers only
- ⚠Cannot have owned a Citi checking account in the last 365 days
- ⚠$475 tier only available in select states: CA, CT, DC, FL, IL, MD, NJ, NV, NY, VA
- ⚠No Citi checking account ownership in prior 365 days
- ⚠Deposits must be into checking account, not savings
- ⚠New customers only (no Citi checking account in last 365 days)
- ⚠Geographic restrictions on $475 tier (NY, CT, MD, VA, DC, CA, NV, NJ, and select FL/IL markets)
- ⚠$475 tier: Limited availability (NY, CT, MD, VA, DC, CA, NV, NJ, and select markets in FL and IL)
Fees
- $15 monthly fee (waivable with $250+ monthly Enhanced Direct Deposits or $1,500 combined average monthly balance)
- $15 monthly service fee (waivable with $250+ in Enhanced Direct Deposits monthly)
- $15 monthly fee waivable with $250+ in monthly Enhanced Direct Deposits or $1,500 balance
- Enhanced Direct Deposits: ACH deposits of payroll, pension, Social Security, other government benefits, or investment income
- Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citi accounts, ATM deposits, mobile check deposits, P2P payments with debit card, and instant transfers do not qualify
- Account must be open and in good standing when bonus is paid
- Enhanced Direct Deposits include ACH payroll, pension, Social Security, government benefits, Zelle, and ACH P2P payments
- Do not count: teller deposits, cash, checks, mobile deposits, wires, Citi-to-Citi transfers, ATM deposits, debit card funding, instant transfers
- Account must remain open and in good standing until bonus posts
- Enhanced Direct Deposits include ACH-transferred payroll, pensions, government benefits, Zelle, Venmo, PayPal via ACH
- Must be 18+ and meet tax requirements
- Account must remain open until bonus is paid
- Bonus is reported to IRS
Total potential bonus
$425
Additional Referral Bonus (how it works)
$100
Your 50% share of $200 paid directly by the referrer
View Referral Terms →$325 (sign-up) + $100 (referral) = $425 total
ExpiredOffer expired October 25, 2026
Last updated October 26, 2026
Saved source PDFs
How to evaluate Citi Checking Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist
Timing
- Qualifying period
- Within 90 days of account opening
- Payout timeline
- Between day 90 and 120 after account opening (within 30 days of meeting requirements)
- Hold period
- Account must remain open until bonus posts (through day 120 post-opening)
How to qualify
- Open new Citi Regular Checking account by 10/26/26
- At least 2 Enhanced Direct Deposits within 90 days
- $3,000+ in Enhanced Direct Deposits for $325 bonus
- $5,000+ in Enhanced Direct Deposits for $475 bonus (select states only)
Common pitfalls
- New checking customers only
- Cannot have owned a Citi checking account in the last 365 days
- $475 tier only available in select states: CA, CT, DC, FL, IL, MD, NJ, NV, NY, VA
- No Citi checking account ownership in prior 365 days
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,250 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $325 sign-up bonus, $100 referral share for a total displayed potential of $425. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Citi Checking Bonus expire?
Citi Checking Bonus expires on October 25, 2026.
