Open a new personal checking account with Citizens Bank, make a single direct deposit of $1,000 or more, and earn a $400 bonus. Limited-time offer available online!
Introduction
Citizens Bank is offering an attractive $400 bonus when you open your first personal checking account and make a direct deposit of $1,000 or more within the first 60 days. With multiple account options, you can choose the one that best suits your financial needs, while also enjoying a suite of banking benefits like contactless debit cards, mobile app access, and no overdraft fees.
If you’re looking to make your money work smarter for you, this is the perfect time to get started with Citizens Bank!
Update 10/22/24: The offer is still available until 10/31/24.
Key Takeaways
- Earn a $400 sign-up bonus by opening your first personal checking account and meeting the direct deposit requirement.
- Multiple account options are available, with different features tailored to your banking needs.
- No overdraft fees on select accounts, making it easier to manage your money.
- Access your funds early with Citizens Paid Early™ when you set up direct deposit.
How to Earn the $400 Sign-Up Bonus with Citizens Bank
To qualify for the $400 bonus, follow these steps:
- Open a New Personal Checking Account:
Head to Citizens Bank’s official website and open your first-ever personal checking account using one of the links provided on the promotional page. The offer is only available online, so make sure to apply through the correct page. - Make a Direct Deposit of $1,000 or More:
Within the first 60 days of opening your account, you must receive at least one direct deposit of $1,000 or more. Qualifying direct deposits include salary, pension, or other recurring payments. Note that transfers from payment apps like Venmo, PayPal, or Zelle® do not count toward this requirement. - Keep Your Account Active:
Ensure your account remains active and has a positive balance through the payout period. If you meet all the qualifications, Citizens Bank will deposit your $400 bonus directly into your checking account.
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Choosing the Right Citizens Bank Checking Account
Citizens Bank offers several checking account options, each designed for different financial needs. Here are a few to consider:
1. Citizens One Deposit Checking
This account is perfect for those looking for a simple, everyday checking account. You can avoid the $9.99 monthly maintenance fee by making at least one deposit each statement period. While it doesn’t earn interest, it offers all the basic features, including a contactless debit card and access to the Citizens mobile app.
2. Citizens Quest™ Checking
If you’re looking for an account with more perks, consider the Citizens Quest™ Checking. You can earn interest on your balance, and the $25 monthly maintenance fee is waived if you make $5,000 in total deposits or maintain $25,000 in combined deposits and investments each month.
3. Citizens EverValue Checking®
Designed for those who want a checking account with no overdraft fees, Citizens EverValue Checking® has a $5 monthly maintenance fee that cannot be waived, but you’ll never have to worry about overdraft charges. It’s ideal for those who want extra peace of mind when managing their spending.
Our Take
The Citizens Bank $400 sign-up bonus is a great incentive for those looking to switch to a new checking account. With options tailored for different needs—whether you want a basic account or one with higher perks like interest-earning potential—Citizens Bank has something for everyone.
The $400 bonus is easy to earn, especially with no credit score requirements for account approval and the flexibility of meeting the direct deposit threshold. Plus, with features like no overdraft fees and access to funds early, it’s clear that Citizens Bank is focused on delivering value to its customers.
Find the best Citizens Bank bonuses here.
For more Bank Bonuses, see our comprehensive list of the best bank bonuses here.
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