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 |
| $20,000 | $500 |
| $50,000 | $1,000 |
| $100,000 | $1,500 |
| $200,000 | $2,000 |
Hold Period
45 days (from Day 46 to Day 90)
Qualifying Period
45 days to deposit new-to-Citibank funds
Payout
Within 30 days after end of the month requirements are completed
Requirements
- ✓Open CitiBusiness Analyzed, Streamlined, or Flexible Checking account
- ✓Deposit minimum $5,000 in new-to-Citibank funds within 45 days
- ✓Maintain deposit balance from Day 46 through Day 90
- ✓Open a CitiBusiness Analyzed, Streamlined, or Flexible Checking Account
- ✓Enroll in offer with Citibank Business Specialist during application
- ✓Deposit minimum $5,000 to $200,000 in new-to-Citibank funds within 45 days
- ✓Maintain deposited balance for 45 consecutive days after Day 45
- ✓Open new CitiBusiness Analyzed, Streamlined, or Flexible Checking Account
- ✓Enroll with Citibank Business Specialist
- ✓Deposit minimum $5,000+ in New-to-Citibank funds within 45 days of account opening
- ✓Maintain required balance for additional 45 days
- ✓Open a new CitiBusiness (Analyzed), Streamlined, or Flexible Checking Account
- ✓Deposit qualifying amount of New-to-Citibank funds within 45 days of account opening
- ✓Maintain required minimum balance for 45 consecutive calendar days after the initial 45-day funding period
- ✓Open new CitiBusiness Checking account (Analyzed, Streamlined, or Flexible)
- ✓Deposit qualifying balance within 45 calendar days of opening
- ✓Maintain qualifying balance for 45 consecutive calendar days after funding period
Restrictions
- ⚠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
- ⚠In-branch enrollment required with Citibank Business Specialist
- ⚠New business customers only
- ⚠Not available to those with a business checking account in the prior 180 days
- ⚠Available in-branch only
- ⚠Limited to specific Citi metropolitan areas
- ⚠Not available to current CitiBusiness business checking account customers
- ⚠Not available to those who had a business checking account within the previous 180 days
- ⚠In-branch enrollment required
- ⚠New business checking customers only
- ⚠Not available if customer had a business checking account within previous 180 days
Fees
- 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 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)
- New-to-Citibank funds come from external accounts via Enhanced Direct Deposit, checks, or wire transfers
- If balance falls below required tier amount during maintenance period, bonus tier qualifies for lower tier
- Accounts inactive or with $0 balance for 45+ days are subject to closure
- Bonus must be enrolled through promotional offer or by mentioning offer to Business Specialist
Offer expires October 5, 2026
Last updated July 14, 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 to deposit new-to-Citibank funds
- Payout timeline
- Within 30 days after end of the month requirements are completed
- Hold period
- 45 days (from Day 46 to Day 90)
How to qualify
- Open CitiBusiness Analyzed, Streamlined, or Flexible Checking account
- Deposit minimum $5,000 in new-to-Citibank funds within 45 days
- Maintain deposit balance from Day 46 through Day 90
- Open a CitiBusiness Analyzed, Streamlined, or Flexible Checking Account
Common pitfalls
- 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
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 to deposit new-to-Citibank funds.
When does Citi Business Checking Bonus pay out?
The payout timeline listed for Citi Business Checking Bonus is Within 30 days after end of the month requirements are completed.
How long do I need to keep funds or the account for Citi Business Checking Bonus?
The hold period listed for Citi Business Checking Bonus is 45 days (from Day 46 to Day 90).
