Citibank new bonuses for checking and savings accounts
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Citibank, the banking arm of financial giant Citigroup, and the nation’s third-largest bank by assets, frequently offers bonuses to attract new customers. Taking advantage of a Citibank new account bonus can net some attractive rewards if you have enough money to meet the bank’s promotional requirements.
Citibank currently has three bonus offers for new checking customers who deposit new money from outside of Citi. For offer one, you must open a checking account in an eligible account package by clicking through the bonus offer page, fund the account with new funds at least twice within 90 days. You’ll receive a $325 bonus to that account between the 90th and 120th day after opening the account.
The second and third offers, respectively, require opening an eligible checking account with new money and funding the account within 45 days of account opening. Those who deposit at least $30,000 are eligible for a bonus of $750, those who deposit at least $200,000 are eligible for a bonus of $1,500 if those minimum amounts are held in the account for at least 45 days after the 45 day deposit eligibility period.
Citi’s checking bonus offer
Citibank is currently offering a cash bonus for customers who open a checking account in one of four eligible benefit levels and meet additional deposit and balance requirements. The promotions are available for all customers who open accounts with money from outside Citibank by October 6, 2025. Customers can enroll in the two highest promotions online or at a branch. The $325 promotion is only available online through the promotional offer page.
The minimum deposit and balance requirements and corresponding cash bonuses are:
| Deposit and maintain a balance of at least: | Cash bonus |
|---|---|
| $3,000 | $325 |
| $30,000 | $750 |
| $200,000 | $1,500 |
This promotion is associated with four account benefits levels:
- Everyday Benefits
- Citi Priority relationship tier
- Citigold® relationship tier
- Citigold® Private Client relationship tier
What's the catch?
Free cash may seem like a great deal, but Citibank does put some specific limitations on the promotions that can easily disqualify consumers who don’t follow the terms and conditions.
Accounts that qualify for Citi’s checking bonus include checking accounts in relationship tiers of Everyday Benefits, Citi Priority, Citigold® and Citigold® Private Client. Regardless of relationship tier, a minimum deposit and balance of at least $30,000 is required to receive a checking bonus.
Is this a good deal for you?
Some of the Citi packages can benefit customers seeking perks such as unlimited free ATM access or investment resources. Benefits of the Citigold and Citi Priority relationship tiers include:
- Waived fees for money orders and stop payments
- Increased limits for debit card purchases and daily ATM withdrawals
Additional Citigold benefits include:
- Unlimited reimbursement of non-Citibank ATM fees globally
- Investment guidance from Citi Personal Wealth Management
- Up to $200 annually in cash back subscription rebates
Before opening an account, familiarize yourself with Citibank’s fee structure to avoid needless costs. Citibank does charge monthly maintenance fees on some accounts, though service fees can be waived when a minimum balance is maintained. Citigold account holders do not incur non-Citibank ATM fees, but they are required to maintain a combined average monthly account balance of $200,000 among all accounts (including investment accounts) or the accounts will be downgraded to a lower status. You may need to consider other checking accounts if you don’t have the financial means to meet Citibank’s minimum balance requirements.