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 + $25
Apply to Citi Checking Bonus and earn up to $350 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $3,000+ Enhanced Direct Deposits | $325 |
| $5,000+ Enhanced Direct Deposits | $475 |
Hold Period
45 days (balance maintenance period after initial 45-day deposit window)
Qualifying Period
90 days from account opening
Payout
Between 90-120 days after account opening
Requirements
- ✓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
- ⚠$475 tier: Limited availability (NY, CT, MD, VA, DC, CA, NV, NJ, and select markets in FL and IL)
- Account must remain open until bonus is paid
- Bonus is reported to IRS
Total potential bonus
$350
Additional Referral Bonus (how it works)
$25
Your 50% share of $50 paid directly by the referrer
View Referral Terms →$325 (sign-up) + $25 (referral) = $350 total
Offer expires October 25, 2026
Last updated July 26, 2026
Saved source PDFs
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 from account opening
- Payout timeline
- Between 90-120 days after account opening
- Hold period
- 45 days (balance maintenance period after initial 45-day deposit window)
How to qualify
- 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
Common pitfalls
- New checking customers only
- $475 tier: Limited availability (NY, CT, MD, VA, DC, CA, NV, NJ, and select markets in FL and IL)
- Account must remain open until bonus is paid
- Bonus is reported to IRS
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $325 sign-up bonus, $25 referral share for a total displayed potential of $350. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 3 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.
