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 in Enhanced Direct Deposits | $325 |
| $5,000 | $475 |
Qualifying Period
90 days
Payout
Within 30 days after requirements completed
Requirements
- ✓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 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)
- ⚠New checking customers only
- ⚠$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+ in monthly Enhanced Direct Deposits or $1,500 balance
- Enhanced Direct Deposits include ACH-transferred payroll, pensions, government benefits, Zelle, Venmo, PayPal via ACH
- Account must remain open and in good standing until bonus posts
- 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
Offer expires October 25, 2026
Last updated August 16, 2026
Saved source PDFs
Aug 9, 2026Change detected
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Jul 26, 2026
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
- 90 days
- Payout timeline
- Within 30 days after requirements completed
How to qualify
- 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
Common pitfalls
- 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)
- New checking customers only
- $475 tier: Limited availability (NY, CT, MD, VA, DC, CA, NV, NJ, and select markets in FL and IL)
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,500 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.
