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Periodically throughout the year Citibank will have new Checking and Savings account promotions for free bonus money.
These bonus offers are often available for both personal and business accounts.
The typical bonus amounts include $250, $300, $400, $500 and sometimes up to $1,000. 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!
The following accounts options are usually the ones with bonus offers:
- Citigold Interest Checking (personal)
- Citibank Savings Plus Account (personal)
- Citibank Account Package w/ Regular Checking Account (personal)
- Citi Priority Account Package (personal)
- Citi Business Checking (business)
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.
Citi Checking accounts have reportedly been some of the best for low-fee ATM usage overseas. Their Savings and CD accounts won’t offer the best rates so see our guides for those accounts: Savings Rates | CD Rates.
*See our Bank Promotions page for all bank offers
$300 Citi Personal Checking Bonus
Citibank’s $300 Personal Checking Bonus
The previous $400 bonus offer from Citi has changed to a $300 bonus when you open a new account in The Citibank Account Package and meet he requirements. The offer details have changed for this updated offer as noted below. While direct deposit isn’t a requirement for this offer, you do have to have $15,000 to set aside for the deposit requirement.
- $300 bonus offer set to expire on 03/31/2018
- The Citibank Account Package is eligible for this offer
- Offer is available in CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX and VA.
- Application will trigger a Soft Pull, which does not affect your credit
- You can not fund the opening deposit with a credit card
- Direct Deposit is not required for offer
- The Monthly Service Fee can be waived
*You can also apply at a branch or by phone
How To Get Your $300 Bonus
- To qualify to earn a $300 cash bonus, you must open a new eligible consumer checking account in The Citibank Account Package between 01/01/18 – 03/31/18, AND
- Within thirty (30) days, make a qualifying deposit of $15,000 or more in new-to-Citibank funds into the new checking account or a new or existing Citi Savings Account or existing Citibank Savings Plus Account, and maintain a minimum balance of $15,000 for sixty (60) consecutive calendar days following the date when you made the qualifying deposit.
Waive The Monthly Fee
- The $25 Monthly Service Fee can be waived if you have $10,000 in combined average monthly balances
- Also, ATM fees for use of non-Citibank ATM’s is also waived if the combined average monthly balances in eligible linked accounts are met
Author’s Verdict:
You’ll also have to have a significant amount of funds to put away for a while for this offer. Still, Citi is a big, well-known bank and the bonus offers are quite high value.
MoneysMyLife Top Offer Picks  Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review |
Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. 
Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival® Premier World Elite Mastercard®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. 
The HSBC Cash Rewards Mastercard® has a sign-up bonus of $150 when you spend at least $500 on purchases within the first 3 months of account opening. This credit card will also earn an ongoing 1.5% cash rewards rate on all purchases and has no foreign transaction fees. There is no annual fee with this card. 
CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Citi Priority Account Package (Personal Checking) $500 Bonus
An awesome $500 bonus if you can meet the hefty deposit requirement!
Citi is offering a big $500 cash bonus for their Priority Account Package, but the deposit requirements are also massive.
- $500 bonus offer set to expire on 12/31/2017
- The Priority Account Package is eligible for this offer
- Offer is available in CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX and VA.
- Application will trigger a Soft Pull, which does not affect your credit
- You can not fund the opening deposit with a credit card
- Direct Deposit is not required for offer
- The Monthly Service Fee can be waived
How To Earn The $500 Bonus
- To qualify to earn a $500 cash bonus, you must enroll in this offer by speaking to a representative at a Branch or phone or by enrolling above and clicking “Apply Now”.
- Open a new eligible consumer checking account in the Citi Priority Account Package before the offer expiration date.
- Within 30 days of account opening complete the following:
- Make a qualifying deposit of $50,000 or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus or Citi Savings Account, and maintain a minimum balance of $50,000 for 60 consecutive days following the date you made your qualifying deposit.
- Within thirty (30) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account.
- The cash bonus will be credited to your new checking account within ninety (90) calendar days from the date you complete all offer requirements.
The Fine Print
- New-to-Citibank funds are funds not currently held at Citibank or its affiliates.
- Customers must be 18 years or older to participate in this promotion.
- Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency.
- To be eligible for this offer, you must not currently have a consumer checking account with Citibank or have been a signer on or owner of a Citibank consumer checking account within the last sixty (60) days.
- Fiduciary, estate, business and all trust accounts except Living Trusts are not eligible. However, signers on fiduciary, estate, business and certain trust accounts may be eligible.
- Accounts must have been opened within sixty (60) calendar days of enrollment in this offer.
- Customer can have an existing Citibank Savings Plus Account or Citi Savings Account, but must meet new-to-Checking criteria described.
- If you are enrolled in multiple checking offers during a promotion period, you will receive the bonus for the first checking account offer for which you fulfill all requirements.
- If you enroll in two Or more checking account offers during the same promotion period and fulfill all the requirements of a bonus checking offer(s) with a higher bonus value, you will receive the offer with the higher bonus value. Limit of one offer per customer and one offer per account.
- Eligible Customers must be first signer on the checking account in an Eligible Checking Account Package. Eligible Checking Account Package means The Citi Priority® Account Package.
- Eligible Customers must be the first listed signer on an Eligible Savings Account.
- Eligible Savings Account means a new or existing Citibank Savings Plus Account or Citi Savings Account in an Eligible Checking Account Package.
- The new checking account in The Citi Priority Account Package must be open and in good standing at the time the cash bonus is credited to the Account.
- If qualifying deposit is made into a Citibank Savings Plus Account or Citi Savings Account, this account must also be in good standing at the time the cash bonus is credited to the new checking account.
- Important tax information: The bonus will be reported to the IRS as interest, in the year received, as required by applicable law.
- Bonus payments received by U.S. persons will be reported on IRS Form 1099-INT for the year received.
- Bonus payments received by non-U.S. persons will be reported on IRS Form 1042-S for the year received.
How To Waive The Monthly Service Fee
The Citi Priority Account Package has a $30 monthly service fee that you can waive with a minimum $50,000 combined average monthly balance.
Except for the first two months after opening your new Citi Priority account or converting to Citi Priority, you will be charged a $30 monthly statement fee if you do not maintain the required $50,0000 in combined average monthly balances in eligible linked deposit, retirement and investment accounts.
Next Page: More Citibank Promotions…
do you have the print out/pdf file for the mentioned $200-$7000 Citi Savings Account offer that expired 9/30/2017? I opened the account on 9/22 but want to keep copy for proof since afraid I won’t get my bonus based on these reviews stating Citibank doesn’t always honor. I tried the link but it no longer works. Any help would be appreciated.
I’m 100% agreed with Rosa!!!! CitiBank offered all kinds of promotional cash credits for new checking/saving accounts but had all kinds of reasons to disqualify your account when the dates are matured. I opened a new online checking account with $300 or $500 cash credit 6 months ago. The requirements were very simple and easy, 1) the required amount in the account for 90 days 2) enroll paperless statement. For some reason, I couldn’t transfer my money from WellsFargo to CitiBank online account. I went to the branch in Simi Valley to deposit, Maaz, personal banker helped me that day. He told me the promotional cash credit requirements and I did exactly what I was told. Six months later, I see no promotional cash credit deposit in my account. First, I called the on-line representatives for answer, I was told all kinds of reasons why my account did not meet the requirement. Then I went to branch to find out what’s going on…. and have been told that my deposit was made after the expiration date!!!! Which I was not told when I deposited my money, this was a LAME excuse. What is the point going to the branch for a live banker to help you but ended up having the worst experience . My first time banking with CitiBank and is now my last time, will close the account very soon!
I bank with Bank of America and Chase. I am not the type to write reviews either, but Citi has done it for me. WORST CUSTOMER SERVICE EVER. Consistently incompetent employees that work here. I don’t know how many hours I spent over the phone wasting my time. Called in 10 different times. All 10 times, I had employees not resolving my issue AND making it very cumbersome for me during the process of it all.
Never had this problem with Chase. I am not in any way affiliated with Chase, but the service and quality of at Citi is appallingly consistently horrific in comparison. STAY AWAY.
Also, on a side note, they require you to do a direct deposit of some sort to receive a $300 or $500 bonus with the requirement being that you need to do this within 30 days of account opening. First of all, they send you a letter requesting other additional information about you. As a result, after sending in account consent form and W-9 form, your employers are never going to change your direct deposit information in time to meet the 30 day deadline.
Don’t waste your time with this bank. Your time and energy is much more valuable than this…