Citi® Checking Account Bonuses: $325 Direct Deposit , Up to $1,500 Checking, And 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.

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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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