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 Business Checking Bonus — Up to $2,000
Sign up for Citi Business Checking Bonus and earn up to $2,000 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $5,000 | $300 |
| $50,000 | $700 |
| $200,000 | $2,000 |
Hold Period
45 days after the 46th day of account opening (90 days total from account opening)
Qualifying Period
45 days from account opening
Payout
Within 30 days from the end of the month in which all requirements are completed
Requirements
- ✓Open new CitiBusiness Streamlined or Flexible Checking account
- ✓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
Restrictions
- ⚠New business checking customers only
- ⚠No business checking account within the last 180 days
- ⚠Must open account in-branch with a Citibank Business Specialist
- ⚠Available only in select states/locations (CA, FL, IL, MD, NV, WA, DC, and greater NYC area)
- ⚠Not available to current CitiBusiness business checking customers or those who had a business checking account in the prior 180 days
- ⚠In-branch enrollment required
- ⚠New customers only
- ⚠Must enroll through Citibank Business Specialist
- ⚠In-branch or phone enrollment required
- ⚠CitiBusiness Streamlined or Flexible Checking Account only
- ⚠Must open eligible CitiBusiness account
- ⚠Must enroll with Citibank Business Specialist
- ⚠Deposits must be new-to-Citibank funds
- ⚠New Citibank business checking customers only
- ⚠No business checking account in past 180 days
- ⚠Account must remain open and in good standing to receive bonus
- ⚠New business checking account customers only
- ⚠No business checking account within the previous 180 days
- New-to-Citibank funds required
Fees
- $15 monthly fee (CitiBusiness Streamlined) - waived with $5,000+ average balance
- $0 monthly fee (CitiBusiness Flexible) with $10,000+ balance
- CitiBusiness Streamlined Checking: $15 monthly fee (waived with $5,000+ average monthly balance)
- CitiBusiness Streamlined Checking: $15/month fee (waived with $5,000+ average balance)
- $15 monthly fee (waived with $5,000 minimum balance)
- Monthly service fees vary by account type; waivable with minimum balances ($5,000 for Streamlined, $10,000 for Flexible/Analyzed)
- CitiBusiness Streamlined: $15/month (waived with $5,000+ average monthly balance)
- $15/month fee for Streamlined (waived with $5,000+ average monthly balance)
- Bonus is the offer with highest value if multiple checking offers are enrolled in same week
- Must keep account open until bonus is received
- No early termination fees but bonus is forfeited if account is closed before bonus payment
- Once per product category per 2-year period
- Balance determination on Day 45 (or first business day after) determines bonus tier
- Must enroll in offer at branch with a Citibank Business Specialist
- Available in select Citibank branch locations
- Available for CitiBusiness Streamlined or Flexible Checking accounts
- Offer varies by location and account type
- Balance on day 45 determines maximum eligible bonus
- Account must remain open and in good standing
- Bonus reported as interest to IRS
- Bonus depends on deposit amount maintained on day 45
- Must enroll with Citibank Business Specialist or online during signup
- Deposits must be New-to-Citibank funds
- Limited to qualifying CitiBusiness Streamlined or Flexible Checking accounts
- Offer available through October 6, 2026
- Bonus tiers determined by balance on Day 45
- Available to non-customers of Citibank Retail Business Banking and current customers without a business checking account in past 180 days
- Must enroll through Citibank Business Specialist during application
- Offers and availability vary by location
- Account must remain open and in good standing when bonus is credited
- Inactive accounts or those with $0 balance for more than 45 days subject to closure
- Deposits can be cumulative to reach higher tiers
- Availability varies by location; branches in CA, FL, IL, MD, NV, NY, DC and other areas
- Account must remain open and in good standing at time bonus is credited
- Accounts inactive or with $0 balance for 45+ days subject to closure
- Balance must be held in the eligible checking account (not in savings or IMMA for maintenance period)
Offer expires October 5, 2026
Last updated September 8, 2026
Saved source PDFs
How to evaluate Citi Business 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
- 45 days from account opening
- Payout timeline
- Within 30 days from the end of the month in which all requirements are completed
- Hold period
- 45 days after the 46th day of account opening (90 days total from account opening)
How to qualify
- Open new CitiBusiness Streamlined or Flexible Checking account
- 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
Common pitfalls
- New business checking customers only
- No business checking account within the last 180 days
- Must open account in-branch with a Citibank Business Specialist
- Available only in select states/locations (CA, FL, IL, MD, NV, WA, DC, and greater NYC area)
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is above the current nearby $1,500 median for comparable offers in this category.
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 Business Checking Bonus expire?
Citi Business Checking Bonus expires on October 5, 2026.
How long do I have to qualify for Citi Business Checking Bonus?
The qualifying period listed for Citi Business Checking Bonus is 45 days from account opening.
