Citi® is offering an attractive $325 bonus for new checking customers. By opening a new eligible checking account and setting up Enhanced Direct Deposits, you can easily qualify for this bonus. Alternatively, you can earn $750 or $1500 with a higher new funds requirement.
Let’s explore how you can take advantage of this offer and enhance your financial well-being.
Update 1/13/2025: The offer is back.
Key Takeaways
- Citi® is offering a $325 bonus for new checking accounts opened online.
- Requires Enhanced Direct Deposits totaling at least $3,000 within 90 days.
- Earn up to $1,500 with a higher balance, read about it here.
- No monthly service fees with $250+ in Enhanced Direct Deposits.
- Zero overdraft fees and no ATM fees at over 65,000 ATMs nationwide.
Citi $325 Bonus Offer
- What you’ll get: $325
- Where it’s available: Nationwide
- How to earn it:
- Open a New Account:
- Apply for a new eligible Citi® Checking account online through the dedicated offer page.
- Make sure to enroll in the promotion by using the promo code provided.
- Set Up Enhanced Direct Deposits:
- Deposit at least two Enhanced Direct Deposits into your new checking account within 90 days.
- Your total combined Enhanced Direct Deposits must equal:
- $3,000 or more for the $325 bonus or
- $6,000 or more for the $450
- Eligible deposits include recurring paychecks, pensions, Social Security payments, and transfers from Zelle®, PayPal, and Venmo.
- Earn Your Bonus:
- After meeting the requirements, enjoy the cash bonus.
- The bonus will be deposited into your checking account within 30 days after completing the necessary activities.
- Open a New Account:
- When it expires: None listed.
Trending Checking Account Deal:
BMO Cash Bonus: Earn an Easy $400 Checking Cash Bonus*
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the...Show More
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the first 90 days. Enjoy no monthly maintenance fees, no minimum balance requirements, and access to over 40,000 fee-free ATMs nationwide. Act now before it ends 9/8/25 Show Less
Enhanced Direct Deposit Benefits
- Deposit Your Way: Use various methods like Zelle®, PayPal, Venmo, and traditional direct deposits.
- Zero Overdraft Fees: No worries about Overdraft Fees, Returned Item Fees, or Overdraft Protection Transfer Fees.
- No Monthly Service Fees: Maintain at least $250 in Enhanced Direct Deposits to waive the monthly fees.
- No ATM Fees: Access 65,000+ ATMs across the U.S. without incurring fees.
About Citi® Relationship Tiers
Citi® offers multiple Relationship Tiers that provide additional benefits based on your combined average monthly balance:
- Everyday Benefits: For balances up to $29,999.99.
- Access to Citi Mobile® App, online banking, and nationwide ATMs.
- Citi Priority: For balances between $30,000 and $199,999.99.
- No monthly service fees and access to financial planning guidance.
- Citigold®: For balances between $200,000 and $999,999.99.
- Premium banking with waived online wire transfer fees and a dedicated Wealth team.
Compare With Other Bank Bonuses
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Our Take On the Bank Offer
Opening a Citi® Checking account not only gives you access to numerous banking benefits but also allows you to earn a $325 cash bonus. Don’t miss out on this limited-time offer.
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READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
By John Huynh, with over two decades in finance and investing, including as a Senior Finance & Operations Manager at a renowned research institute and degrees in Economics and International Studies from UC Irvine. Edited by Tony Jay, an experienced finance blogger and Executive Editor with two decades in banking, specializing in online banking and savings strategies. Tony holds a doctorate from Tulane University.
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