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.
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Citi Business Checking Bonus — Up to $2,000 + $50
Apply to Citi Business Checking Bonus and earn up to $2,050 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $5,000 | $300 |
| $20,000 | $500 |
| $50,000 | $1,000 |
| $100,000 | $1,500 |
| $200,000 | $2,000 |
Hold Period
45 days (from day 46)
Qualifying Period
45 days from account opening
Payout
Within 30 days of completing requirements
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
Restrictions
- ⚠New customers only (no business checking within 180 days)
- ⚠In-branch enrollment required with Citibank Business Specialist
- ⚠New-to-Citibank funds only
- ⚠In-branch opening only (limited branch locations)
- ⚠New customers only — no business account in past 180 days
- ⚠Must enroll with Citibank Business Specialist
- ⚠New business checking customers only
- ⚠Not available to current CitiBusiness account holders or those with a business checking account in the prior 180 days
- ⚠Must open CitiBusiness® Streamlined, Flexible, or Analyzed Checking Account
- ⚠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
Fees
- $15/month for CitiBusiness Streamlined Checking (waived with $5,000+ average balance)
- $22/month for CitiBusiness Flexible Checking (waived with $10,000+ average balance)
- CitiBusiness Streamlined: $15/month (waived with $5,000+ average balance)
- CitiBusiness Flexible: $22/month (waived with $10,000+ balance)
- CitiBusiness® Streamlined Checking: $15/month fee (waived with $5,000+ balance)
- CitiBusiness® Flexible Checking: $30/month fee (waived with $10,000+ balance)
- CitiBusiness® Interest Checking: $30/month fee (waived with $10,000+ balance)
- $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)
- Direct deposit is NOT required
- Deposits can be cumulative to hit higher tiers
- Bonus is subject to IRS reporting (Form 1099-INT)
- In-branch promotion available in select metropolitan areas only
- Bonus amount determined by balance on day 45
- New-to-Citibank funds definition applies
- Account must remain open and in good standing to receive bonus
- New-to-Citibank funds required for deposit
- Balance determination on day 45 will set maximum eligible bonus tier
- Bonus credited as account credit, not cash
- Geographic availability: CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX, VA
- 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
Total potential bonus
$2,050
$2,000 (sign-up) + $50 (referral) = $2,050 total
Offer expires January 5, 2027
Last updated October 18, 2026
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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 of completing requirements
- Hold period
- 45 days (from day 46)
How to qualify
- 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
Common pitfalls
- New customers only (no business checking within 180 days)
- In-branch enrollment required with Citibank Business Specialist
- New-to-Citibank funds only
- In-branch opening only (limited branch locations)
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is close to the current nearby $2,250 median for comparable offers in this category.
Stacking potential
The tracked value can include $2,000 sign-up bonus, $50 referral share for a total displayed potential of $2,050. 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 Business Checking Bonus expire?
Citi Business Checking Bonus expires on January 5, 2027.
