What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Brokerage
Citi Self Invest Bonus — Up to $500
Sign up for Citi Self Invest Bonus and earn up to $500 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $10,000 | $100 |
| $50,000 | $200 |
| $200,000 | $500 |
Hold Period
Variable by month of account opening (typically 2-3 months from funding date)
Qualifying Period
Account Funding Period (typically up to 2 months from initial funding)
Payout
Last day of the 3rd month following the maintain funds period
Requirements
- ✓Minimum $10,000 deposit in New-To-Citi funds
- ✓Enroll in eDelivery of statements and confirmations
- ✓Maintain funds through specified Maintain Funds deadline
- ✓Have eligible Citibank checking/savings account or Citi credit card
- ✓Minimum $10,000 deposit of New-to-Citi funds
- ✓Maintain New-to-Citi funds through the Maintain Funds Period
- ✓Must have Citibank checking, savings account, or credit card with digital access
- ✓Fund account with minimum $10,000 in New-to-Citi funds
- ✓Maintain New-to-Citi funds through specified deadline based on funding month
- ✓Account must be open and in good standing when bonus is credited
- ✓Enroll in eDelivery of statements through end of Account Funding Period
- ✓Maintain New-to-Citi funds through Maintain Funds Period
- ✓Minimum $10,000 of New-to-Citi funds deposit
- ✓Enroll in eDelivery of statements
- ✓Maintain funds through Maintain Funds Period
- ✓Account must be open and in good standing at time bonus is credited
- ✓Minimum deposit of $10,000 for bonus eligibility
Restrictions
- ⚠New or existing Citi Self Invest account holders
- ⚠New-To-Citi funds only
- ⚠One bonus per individual customer
- ⚠Account must be open and in good standing at time of bonus credit
- ⚠U.S. citizens or resident aliens with valid W-9
- ⚠Must be US citizen or resident alien with valid Form W-9
- ⚠Account must be open and in good standing at time bonus is credited
- ⚠Limit one bonus per individual customer
- ⚠New-to-Citi funds only (from external sources)
- ⚠U.S. citizens or resident aliens required
- ⚠Must present valid Form W-9
- ⚠New or existing Citi Self Invest accounts eligible
- ⚠U.S. citizens or resident aliens only, Form W-9 required
- ⚠Account must be open and in good standing at bonus credit time
- ⚠One bonus per CIT Bank customer
- ⚠Only one account per customer eligible if multiple accounts opened
- ⚠Existing CIT Bank savings or eChecking account required
Fees
- $0 commission trades
- $0 account minimum
- $0 account fee
- $0 commission trading
- No account minimum
- $0 monthly service fee
- Bonus is taxable income; Citi issues 1099-MISC if aggregate miscellaneous income ≥ $600
- Market fluctuation does not impact bonus eligibility
- Distributions, interest, and dividends not counted toward bonus tier calculation
- If multiple accounts opened, bonus applies to eligible account with highest balance
- Market fluctuation will not impact bonus eligibility
- If multiple accounts opened/funded by same customer, offer applies to account with highest balance
- Bonus counts as taxable income; Form 1099-MISC issued if aggregate income ≥ $600 in calendar year
- Distributions, interest, and dividends from investments do not count toward deposit amount
- Distributions, interest, and dividends from investments do not count toward funding amount
- If multiple accounts opened, bonus applies to account with highest balance
- Bonus constitutes taxable income; IRS Form 1099-MISC issued if aggregate exceeds $600 in calendar year
- New-to-Citi funds: external ACH transfers, checks, wires, ACAT transfers, direct deposits; excludes cash deposits, Citi Global Transfers, peer-to-peer services (Apple Pay, PayPal, Venmo, Zelle)
- New-to-Citi funds must come from external sources via ACH, direct deposit, check, or wire transfer
- Distributions, interest, and dividends from investments not counted toward bonus
- Market fluctuations do not impact bonus eligibility
- Bonus amount determined by net deposits (deposits minus withdrawals)
- New-to-Citi funds must come from external, non-Citi sources
- If multiple accounts opened in same month, highest balance account gets the bonus
- Bonus treated as taxable income; Form 1099-MISC issued if aggregate equals or exceeds $600
- Bonus reported as interest income on IRS Form 1099-INT
- New funds not on deposit with CIT Bank required
- Withdrawal of qualifying deposit or account closure during 60-day period forfeits bonus
Last updated October 12, 2026
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How to evaluate Citi Self Invest Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Qualification checklist
Timing
- Qualifying period
- Account Funding Period (typically up to 2 months from initial funding)
- Payout timeline
- Last day of the 3rd month following the maintain funds period
- Hold period
- Variable by month of account opening (typically 2-3 months from funding date)
How to qualify
- Minimum $10,000 deposit in New-To-Citi funds
- Enroll in eDelivery of statements and confirmations
- Maintain funds through specified Maintain Funds deadline
- Have eligible Citibank checking/savings account or Citi credit card
Common pitfalls
- New or existing Citi Self Invest account holders
- New-To-Citi funds only
- One bonus per individual customer
- Account must be open and in good standing at time of bonus credit
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
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
How long do I have to qualify for Citi Self Invest Bonus?
The qualifying period listed for Citi Self Invest Bonus is Account Funding Period (typically up to 2 months from initial funding).
When does Citi Self Invest Bonus pay out?
The payout timeline listed for Citi Self Invest Bonus is Last day of the 3rd month following the maintain funds period.
