Citizens Bank Bonus: Up To $400 Checking Promotion – Ends 8/3/25

Citizens Bank Bonus, Citizens Bank Promotion: Get up to $400 in bonus money for a new checking account with this offer from Citizens Bank. To earn the full bonus amount you’ll need to set up direct deposit and spend enough with debit card purchases.

The Citizens Bank promotion offers an enticing opportunity to earn up to a $400 bonus for new account holders in select states, including CT, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA, and D.C.

This Citizens Bank bonus is designed to reward new customers who open their first new personal checking account with Citizens. See all the details below.

If you’re looking for more choices of the best nationwide bank offers, see our guide here.

Recent Updates:

• Update 5/202/25: The offer is back through August 3, 2025. You can also earn up to $400 from BMO Bank.
• Update 3/26/25: The offer is back through July 31, 2025.
• Update 1/29/2025: The offer has been extended through 3/13/25.
• Update 11/27/2024: The offer has been extended through 1/16/25.
• Update 10/22/2024: The offer is still available through 11/21/24.
• Update 8/12/2024: The offer is now available through November 21, 2024.
• Update 4/19/2024: The offer is back through 6/6/24. See the new link below.
• Update 12/29/2023: The offer has been extended through 4/11/24.
• Update 12/16/2023: The offer has been extended through 2/16/24.
• Update 10/30/2023: The offer was extended through 12/21/23.
• Update 9/8/2023: Offer extended through 10/26/23
• Update 7/7/2023: Promotion has been extended through 8/31/2023.
• Update 6/19/2023: Some are reporting there’s a $500 bonus available in-branch. Worth asking about.
• Update 5/22/2023: Offer extended to 7/6/2023.
• Update 2/21/2023: Offer has extended until 3/16/2023. Details below.
• Update 11/27/2022: Offer has extended with a new expiration of 1/20/2023. Details below.

See the Posts History below for all offers from Citizens Bank.

Citizens Bank Bonus: Up To $400 Checking Offer

• What you’ll get: Up To $400 bonus
• Where it’s available: CT, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C.
• How to earn it:
  • Get $300 when you open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
  • Earn $2 for every debit card purchase, up to $100 within 60 days.
• When it expires: 8/3/25

Waive The Monthly Fee

• $9.99 monthly fee with the One Deposit Checking is waived with just one deposit of any amount each statement period.
• $25 monthly fee with the Platinum Checking is waived with $25,000+ in combined monthly balances across all deposit and investment accounts.

READ MORE: WELCOME OFFERS FROM CHASE AND BMO.

Fine Print

• To earn a $300 bonus, open your first new personal checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
• To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening.
• Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months.
• The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below to qualify for this offer.
• Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income.
• Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites.
• Qualified debit card transactions from all cards on the checking account count toward the bonus.
• Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
• Eligibility: Customer must open their first new checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page.
• Customer should print this screen for their records.
• Customer will only be paid a one-time bonus for this program.
• One debit card bonus per checking account.
• Offers may be withdrawn without notice and cannot be combined with any other checking offer.
• Offer eligibility is determined at Citizens’ sole discretion.
• Payout: the Citizens Bank Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
• Bonus will be reported to the IRS for income tax purposes.

READ MORE: THIS BONUS OFFER FROM UPGRADE IS CURRENTLY TRENDING

Bottom Line About Citizens Bank Bonus

Citizens Bank’s offer of a $400 bonus for new personal checking account holders can be an enticing offer for many people.

On the positive side, the bonus amount is relatively high, and the requirements to qualify for it are not too difficult. Customers only need to have a direct deposit of $500 or more post to their new account within 60 days of opening, and they can get paid up to an additional $100 for qualified debit transactions.

However, customers must meet certain qualifications, including not having been a signer on any Citizens personal checking account within the previous six months, and they must keep their new account open with a balance greater than zero and in good standing through the payout date.

Find more offers from Citizens Bank here.

FIND THE BEST BANK BONUSES HERE