Contents
- 1 Citibank Promotions Review Below
- 1.1 Citibank Bonus: $200, $500, $1000, $1500 or $2000 Personal Checking Offers
- 1.2 Citibank Bonus: Up To $3,500 Savings Offer
- 1.3 Citi Bonus: Up To $5,000 Personal Wealth Management Offer
- 1.4 Citibank Bonus: Up To $2,000 Business Checking Offer
- 1.5 Citi Bonus: Up To $500 Self Invest Offer
- 1.6 Citibank Bonus: $500 Referral Offer (Targeted)
Periodically throughout the year Citibank will have new Checking and Savings account promotions for bonus cash.
The typical bonus amounts include $200, $250, $300, $400, $500, $600, $700, $1000, $1500, $2000 and sometimes up to $3,500. While the Chase Bank bonuses are typically more popular, these offers from Citi are very competitive for people with the cash available to qualify for the bonus. This is because Direct Deposit is oftentimes not required.
You’ll find Citibank branches across the following states: CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX and VA. Personal Checking and Savings offers appear to be available nationwide.
Citi Checking accounts have reportedly been some of the best for low-fee ATM usage overseas.
See our bank offers page for more offers. Top offers can be found from Chase Bank, TD Bank, BMO Harris, Bank of America and many more.
Citibank Promotions Review Below
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Citibank Bonus: $200, $500, $1000, $1500 or $2000 Personal Checking Offers
- What you’ll get: Up To $2,000
- Where it’s available: Available nationwide. Branches in CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX and VA.
- When it expires: 1/9/2023
- How to earn it:
- Open a new checking account in the Citigold® Account Package from July 18, 2022 and January 9, 2023.
- Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.
- Maintain the required Minimum Balance* in your eligible account(s) for an additional 60 days from the 21st day.
- The cash bonus will be deposited to your open, eligible account within 90 calendar days after you complete all required activities.
- Earn one of the following amounts based on your minimum deposit and minimum balance amount:
| Minimum Deposit and Minimum Balance | Your Cash Bonus |
| $10,000 – $29,999 | $200 |
| $30,000 – $74,999 | $500 |
| $75,000 – $199,999 | $1,000 |
| $200,000 – $299,999 | $1,500 |
| $300,00 and above | $2,000 |
Waive The Monthly Fee
- Citigold Account Package. To remain a Citigold client, maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts. There is no monthly service fee for accounts in The Citigold Account Package.
Bottom Line
You’ll also have to have a significant amount of funds to put away for a while for the best offer. Still, Citi is a big, well-known bank and the bonus offers are quite high value so are worth checking out.
Warning: these offers from Citi have very detailed terms and conditions. Explore these terms carefully on the offer pages before applying.
See more bonus offers that don’t require direct deposit…
Citibank Bonus: Up To $3,500 Savings Offer
- What you’ll get: Up To $3,500 bonus
- Where it’s available: NY, CT, MD, VA, DC, CA, NV, NJ, FL or IL
- How to earn it: Existing Citibank customers can earn $40 – $3,500 when opening a new eligible Citi Savings Account and completing required activities.
- When it expires: 10/3/2022
How To Earn The Bonus
- First, enroll and open a new Citi Savings Account.
- Second, fund your account with the required minimum deposit in New-to-Citibank Funds* within 20 days of account opening.
- Third, keep the required minimum balance for 60 consecutive calendar days.
- Fourth, earn the corresponding cash bonus associated with your balance tier within 90 calendar days after you complete all required activities.
| Minimum Deposit and Minimum Balance | Your Cash Bonus |
| $10,000 – $29,999 | $40 |
| $30,000 – $49,999 | $100 |
| $50,000 – $99,999 | $200 |
| $100,000 – $249,999 | $400 |
| $250,000 – $499,999 | $800 |
| $500,000 – $999,999 | $1,750 |
| ≥ $1,000,000 | $3,500 |
Citi Bonus: Up To $5,000 Personal Wealth Management Offer
- What you’ll get: Up to $5,000 bonus
- Where it’s available: Nationwide (U.S.)
- How to earn it:
- Contact Citi and enroll in a new or existing eligible Personal Wealth Management account.
- Fund the account with New-to-Citi Funds within 2 months of account opening or funding of your existing account (except existing IRAs).
- Enroll the new or existing Citi Personal Wealth Management Account into the e-delivery of statements within 2 months of account opening or funding of your existing account (except existing IRAs).
- Maintain the new funding through the end of the next month (or 3 months after the month of account enrollment).
- The cash bonus tiers are as follows:
- $50,000 – $199,999 New-to-Citi funds: $500 bonus
- $200,000 – $499,999 New-to-Citi funds: $1,000 bonus
- $500,000 – $999,999 New-to-Citi funds: $2,000 bonus
- $1,000,000 – $1,999,999 New-to-Citi funds: $3,000 bonus
- $2,000,000+: $5,000 bonus
- When it expires: 9/30/2022
See all Citi investment promos here.
Citibank Bonus: Up To $2,000 Business Checking Offer
- What you’ll get: Up to $2,000 bonus
- Where it’s available: In-Branch (CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX, VA)
- How to earn it:
- Open a new CitiBusiness® (Analyzed), Streamlined, or Flexible Checking Account between July 6, 2022 and January 4, 2023.
- Within 30 days of account opening, make a qualifying deposit of $5,000 or more in New-to-Citibank funds to qualifying accounts to earn the following bonuses:
- $200 bonus with a $5,000 deposit
- $500 bonus with a $15,000 deposit
- $700 bonus with a $25,000 deposit
- $1,000 bonus with a $50,000 deposit
- $1,500 bonus with a $100,000 deposit
- $2,000 bonus with a $200,000 deposit
- Maintain that balance for 60 consecutive calendar days
- When it expires: 1/4/2023
Waive The Monthly Fee
The CitiBusiness Streamlined Checking Account is simplest to waive the fee. The $15 monthly fee is waived with an average monthly balance of $5,000 or more.
Bottom Line
This one may not be available in all branches. You’ll have to go into your local branch to ask if any current offers are available. Chase Bank has a good business Checking offer to compare with.
Citi Bonus: Up To $500 Self Invest Offer
- What you’ll get: Up to $500 bonus
- Where it’s available: Nationwide (U.S.)
- How to earn it:
- Fund a new or existing Citi Self Invest Account and earn a cash bonus based on how much you deposit into the account.
- Cash Bonus Amount:
- Deposit $10,000- $49,999 to earn $100
- Deposit $50,000 $199,999 to earn $200
- Deposit $200,000 or more to earn $500
- You must maintain the funds through the period stated in the Terms and Conditions.
- When it expires: 1/31/2023
Fine Print
- Fund a new or existing Citi Self Invest Account between 9/1/22-1/31/23.
- Fund the Citi Self Invest Account with a minimum of $10,000 in New-To-Citi funds within the Account Funding Period shown below (see below for definition of “New-To-Citi funds”).
- Maintain the New-To Citi funds in your Citi Self Invest account through the Maintain Funds deadline shown below based on month of account opening.
- During the account opening process, allow for eDelivery of statements and confirmations.
- The cash bonus will be credited to your Citi Self Invest account by the deadline shown above for customers who have met the qualifying requirements stated above.
- At the time the Cash Bonus is credited to that account, the Citi Self Invest account must be open and in good standing.
- Limit one bonus per individual customer.
- If multiple accounts are opened or funded by a customer, the offer will apply to the eligible account with the highest balance.
- Multiple account balances in the name of the same beneficial owner will not be aggregated for purposes of this offer.
- This offer cannot be combined with any other offer.
- All accounts are subject to approval and applicable terms and fees.
- Account must be open and in good standing at the time the bonus is credited to receive the bonus.
- This promotion is available for those customers who qualify for the offer and who have opened and maintain a new individual taxable Citi Self Invest account.
Bottom Line
You need to fund a minimum of $10,000 to earn a bonus with this offer. It may be worth it for some.
Citibank Bonus: $500 Referral Offer (Targeted)
- What you’ll get: $500 for every referral
- Where it’s available: Nationwide (U.S.)
- How to earn it:
- Targeted offer with no direct offer link; for eligible customers only
- If you are an eligible customer, you will automatically receive an email from Citi with your unique referral link.
- Simply share your unique referral link with friends and family via email.
- You will receive a $500 cash bonus for every referral who is new to Citibank checking and opens an eligible checking account using your unique referral link. Max. 20 referrals per customer.
- When it expires: 10/5/2022
Compare with the best bank promos here, including ones from Bank of America, Chase, Aspiration, and more.
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I applied for a Citi Priority account in April 2021, and deposited 50,000 on 4/29/2021. They told me after the 60 day holding period, it takes another 90 days for my bonus to deposit. So it was false advertisement on their part from the get go, but okay, fine. The 60+90 days holding period brings us to 9/29/2021, and I still haven’t received my bonus. I called several times in October and finally a representative told me Citi is missing my W9 form. So I filled one out and mailed it to them which after calling again I find out they received and verified 10/20/2021. As of today, 11/9/2021, I still haven’t received any bonuses. I’ve been on the call with many representatives, and my current one as I type this has me holding for 30 minutes already and I’m not sure what’s going on.
Stay away from Citi Bank. The little bit of money is not worth your time and frustration. I cannot stress this enough.
If I still can’t get a definitive answer when I’m getting my bonus today, I’m cutting my losses and closing my account. I will for sure file a complaint with Consumer Financial Protection Bureau.
I was thinking of opening a citibank checking and savings to get the 1500. Bonus but glad I read these comments. I don’t think I will be doing any business with Citibank
Actually that’s the best policy. I also deposited $50K into a new account – clicking through their link and getting screenshots – only to be told that my account was not eligible – no explanation why. I followed everything to the letter.
I complained to the CFPB and NOW, after complaining to them, it seems my account is eligible. Citibank is a headache and these accounts are scams. We’ll see if I actually get my $700 in a few months.
What’s more, their customer (dis-)service is beyond useless and is a good source for incorrect information and untruths. I called them and the sweet lady with the southeast Asian accent confidently assured me that I was eligible and that I would get the bonus: all false when I attempted to verify this higher up the food chain.
What a crock. Citi is a mess. My money’s still there but we’ll see what happens. At least I have written proof in Citi’s reply to the CFPB that I will get the $700. Last time I try this, however.
The promotion is a scam!! I clicked the link to apply for the 700 bonus and filled out the application. They sent several emails to get me to deposit money, but when I clicked on them it took me to my Costco Citi credit card, so I called them to deposit the money only to learn that the link had opened a checking account–not the checking and savings accounts, as advertised in the link–and now 3-4 representatives told me I was not eligible for the bonus because I had only the checking account and not the savings account. I told them it wasn’t my fault that their link did not open the accounts, as advertised. No where in the pages did it tell me I needed to open a separate account. The representatives said they could not now open a savings account to make it whole and that I was not eligible since I now had an account. What? So they make an offer, but you become ineligible for the offer by applying for it?? This is BS! I will be reporting to the Consumer Protection Agency noted above–thanks!–but we probably need a lawyer for fraud!!
I opened my account before March 31, 2020 in anticipation of earning the $700 bonus after depositing $50,000 into savings within 2 weeks and opening a checking account with debit card at the same time. I was willing to wait for the bonus after 60 days ( was told it could be up to 90 days after that 60 day period) I was patient . After 60 days, $400 showed up in my account..not $700. After many calls including one to a supervisor named Adam, I was told that the offer I was on (a 10 digit code) wasn’t for Citi Priority so I was downgraded. Frustrating that I tied up $51,000 for 4 months when the bonus was for only a $15,000 deposit into Savings. I applied online clicking on the 700 offer not know they would put me in a lower tier. I still don’t get it but I hope this warns you about the banks greed over what is obviously not a justified reason …a technicality in the account type…in name only. Wish I could go to the better business bureau or somewhere to complain.
So, was your account opened as a Citibank Account package not Citi Priority Account package?
Alert: This is SCAM by Citi Priority: Bonus $700 if deposit 50K maintain for 60 days. I opened Checking and Saving accounts on 12/30/2019. On 01/21/2020 deposited $50,025 (Checking $25, Saving $50,000). 3/23/2020 called Citi Priority requiring when the bonus $700 will deposit to account? Citi Rep. said that my account was satisfied the 60 days requirement and the $700 will be deposit in 30 – 60 days or earlier and I can withdraw my $50,025 any time. On 3/24/2020 I withdrew $50,000. On 4/30/2020 Call Citi Priority requiring again when the bonus $700 will be deposited?. The Citi Priority rep. was angry and said after first 60 days, I need maintain $50,000 for another 90 days before can qualify to earn $700. I asked to speak with manager and the rep. hangup the phone.
I’m cancelling my Citi credit card and will never do any business with Citi again. Citi can contact me any time to confirm this. DO NOT WASTE YOUR TIME, MONEY, or ENERGY with CITI !!!
I did receive my $1500 bonus but have so little trust of Citi that I didn’t take out my money until it was credited. I got it 78 days AFTER the 60 days…
I signed up for the $700 promotion for the priority package on March 31st. Be aware that this opens a Citi Savings account with standard interest of 0.10% and not the Accelerate Savings account (1.55%). I learned this today after seeing the much less than expected interest for the first month hit my account. It is really not that clear in the terms and conditions that the Accelerate account is not eligible for the promotion. The terms just say to you need to open a “Citi Savings Account” which is generic and seems to encompass all savings accounts at Citi but it is a specific account with low interest. It is also not obvious during the account opening process that you are opening a standard savings account with the lower interest. I may have thought twice about opening an account package if I understood that at the time.
If you decide to go with this promotion you can transfer the balance from the Citi Savings to an Accelerate Savings once you met the bonus requirements (maintain minimum balance for 60 days). The other bonus programs likely work the same way in that the savings account will be a Citi Savings and not an Accelerate Savings. I should have known better and in the future I will take a screenshot of every screen during the application process.
Note: The difference between 1.55% and 0.10% on 50k over 60 days is about $120.
I ended up receiving the $700 on the 74th day after opening the account or the 14th day after I met the promotional requirement of maintaining a minimum balance for 60 days.
Did you downgrade or close the checking account to avoid fees after the 60 days when you moved the 50k? I opened/deposited on 6/23 so I’m on day 65. Would be fine if bonus actually posts in 9 more days but since terms state payout is 90 days after qualification met which would translate to another 85 days…I wanted to downgrade to basic pkg now & leave 1500 to avoid fees & release 48.5k to work for me somewhere else but concerned that citi will payout the $200 basic bonus instead
I made no withdrawals nor did I make any other changes To the accounts. When I received the bonus the accounts were exactly as they were when I opened and funded them plus a little interest. Their customer service seems knowledgeable so it might be worth checking with them about your changes and their effect on the bonus.
I tried calling & the rep I spoke to couldn’t answer the question & transferred me to the promotions line. That rep was insistent to leave as is because he has seen “many” others not get their bonus. I’ll probably keep it as is just to be safe & avoid risk of missing the bonus. The T&C explicitly state:
“if you change your package type to one with a lower Minimum Deposit and Minimum Balance during the 60 day maintenance period, you will not fulfill Required Activities. For instance, you may not convert your Citigold Account Package to the Citi Priority Account, Citibank Account, or Basic Banking Packages and still be eligible for the Cash Bonus. You may not convert your Citi Priority Account Package to the Citibank Account or Basic Banking Package, nor can you convert from your Citibank Account Package to the Basic Banking Package and still be eligible for the Cash Bonus.
I know it says during the 60 day maintenance period but it’s still potentially open to interpretation by their reps/legal dept.
I can’t believe I just opened a Citi account in light of these comments but it’s an experiment to see if I actually do get the bonus!
The reason it’s unbelievable is that I just lived a 5 month nightmare trying to get a $1600 fraudulent charge off my Citi credit card. I sent plane tickets, rental car receipts and a notarized letter from friends that I was in California at the time my card was used in the Apple store in Chicago. I went through SEVENTEEN phone calls – with the very sweet and helpful people in the Philippines – but was not able to get it resolved. But everyone, take note of the Consumer Financial Protection Bureau! I logged a complaint with them – very easy, online – and within two weeks had a letter from Citibank’s “Office of the President” to say they had reversed the charge and the five months of financial charges. It’s like that John Grisham book about the insurance industry – keep refusing until someone brings in the big guns and then scramble to do what they should have done at the beginning. I would have cancelled my card immediately except that I’ve had it 18 years and it would have killed my credit rating. As it is, it’s staying in a drawer for emergencies only and I’m using my other cards instead.
“NEVER TRUST CITI BANK”…Shame on you citi bank!!!
I opened an account online in June and also made ACH deposit during online application. ACH transfer as well as other online money transfers didn’t work as Citi bank locked my account claiming my ID verification is in progress. Looks like they made sure that my account is locked for 30 days so that the required money would not be deposited to be eligible for promotional offer. Later when I talked to Citi customer care, they gave me the LAME excuses saying I didn’t deposit money within required timeline. I closed my account after hearing their lame excuses multiple times. So never trust citi bank. There are many other better banks out there.
Dear Citi, you cannot win customers trust with your CHEAP tricks.
Never trust Citibank, they will take your money, promising bonus, but when 150 days passed since requirements have been met, they say “we don’t see promotions on your account” even thought I called them every month just to make sure that the account is set up correctly and I am am getting the bonus.
I suggest to take your money and bank somewhere else
Shame, CITI!
P.S. their costumer service is outsource to India, be ready to talk to people who don’t put customers FIRST.
The fine print says ‘New to citi’ customers. That is also a requirement. Unless there is a misunderstanding of what ‘New to citi” actually means. You want to make the article clear.
see https://banking.citi.com/cbol/staticf/offerdetails/default.pdf. Definition is “New–to–Citibank Customers” are customers who have not been an owner of a Citibank checking account within
the last 180 calendar days.
Hi Tony, Personal checking/savings bonuses appear valid nationwide. I had a question prior to applying, which I submitted on Facebook. Quick response, I’m about to apply. Steve
Oh, nice. Thanks!
Echoing the comments here, they are deliberately delaying responses. I was told I would receive a response in five business days by email or the mail. It’s been fifteen business days, nothing. When I called to follow up, the rep could only put in a request to re-send the letter, which I presume means my application was rejected, but might just be a request for more information, thereby delaying my funding of the account and making me miss the window. I had an account with citi a long time ago and this is reminding me why I left.