Citi® Checking Account Bonuses: $325 Direct Deposit , Up to $1,500 Checking, And $4,000 Referral Program

Looking to maximize your rewards while opening a new checking account? Citi® has you covered with generous bonus offers for new customers. You can earn $300 through simple direct deposits or get up to $1,500 by maintaining a higher balance. Plus, if you refer friends and family, Citi’s Member-Get-Member program lets you earn an extra $200 per referral, up to a total of $4,000! Here’s a breakdown of how you can take advantage of these fantastic offers.

Key Takeaways

• Earn $300 by making 2 Enhanced Direct Deposits (EDDs) totaling $1,500 within 90 days.
• Earn up to $1,500 by depositing $30,000 or more and maintaining the balance for 45 days.
• Referral Bonus: Earn $200 for every qualified referral, up to $4,000.
• Bonuses are credited within 30 days of meeting the requirements.
• Offers are valid for new checking customers only.

Earn $325 with Enhanced Direct Deposit (EDD)

To earn a $325 bonus, follow these steps:

1. Open a new Citi Checking account.
2. Set up Enhanced Direct Deposits (EDDs): Make at least 2 Enhanced Direct Deposits totaling $1,500 within 90 days of opening the account.
   • EDDs include ACH payments, such as payroll, pension, social security, and digital payments via Venmo, Zelle®, or PayPal.
   • Keep in mind that cash deposits, wire transfers, or instant P2P payments won’t count as EDDs.
3. Once you’ve met the requirements, the $325 bonus will be credited to your account within 30 days.

Earn Up to $1,500 with New-to-Citi Funds

For those with larger deposits, you can earn a bonus of up to $1,500 by maintaining a high balance:

1. Deposit New-to-Citi Funds into your new eligible checking account within 45 calendar days.
2. Maintain the balance for an additional 45 days.
   • $750 bonus: Maintain a balance of $30,000 – $199,999.
   • $1,500 bonus: Maintain a balance of $200,000+.
3. The bonus will be credited to your account within 30 days of completing the requirements.

Refer Friends and Family to Earn Up to $4,000

Once you open a Citi checking account, you can also benefit from their Member-Get-Member program. Here’s how it works:

• Earn $200 for every qualified referral when you refer friends or family, up to 20 referral bonuses—that’s a maximum of $4,000.
• Simply share your unique referral link, and when your referrals open a qualifying Citi Checking account, you’ll receive the bonus.

This is a simple and effective way to maximize your Citi relationship while helping friends and family get started with Citi’s banking services.

Here is our referral link to learn more.

Trending Checking Account Deal:

Chase Checking Bonus: Earn an Easy $400 Checking Cash Bonus*

Open a new Chase Total Checking® account and earn a $400 cash bonus* when you receive $1,000 or more in qualifying direct deposits within 90 days of coupon enrollment. Avoid the...Show More

Open a new Chase Total Checking® account and earn a $400 cash bonus* when you receive $1,000 or more in qualifying direct deposits within 90 days of coupon enrollment. Avoid the $15 monthly fee with qualifying deposits or balances, and enjoy access to 5,000+ branches and 14,000+ ATMs nationwide. Offer ends 4/15/26. Show Less

Earn $400

Go to the deal

Additional Key Information

• Eligibility: You must be a new Citi checking customer and at least 18 years old.
• Direct Deposit Definition: Only ACH payments, such as payroll and government benefits, qualify as EDDs. Bank transfers, instant P2P payments, and teller deposits don’t count.
• Tax Reporting: Any bonuses you receive will be reported to the IRS, and you’ll need to report them as income on your tax return.

Our Take

Citi’s Checking Account Bonus offers are a great way to earn significant rewards, whether you’re setting up direct deposit or referring friends. Whether you qualify for the $300 or up to $1,500, the requirements are simple, and you can maximize your bonuses by taking advantage of the referral program.

Visit Citi’s website to learn more and open your account today!

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