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Citi Regular Checking

$325 for $3,000 in direct deposits

PerkSensei Desk ·

Bonus
$325
Task
2+ direct depositsPay sent electronically into your account by an employer, payroll service or government agency. Many bank bonuses require it. Glossary totaling $3,000 within 90 days
Fee
$15/mo, waivableThe bank drops the fee if you meet its conditions, such as keeping a minimum balance or getting direct deposits. Glossary
Open by
Jan 11, 2027

How to get it · 3 steps

  1. By Jan 11, 2027, open a new Citi Regular Checking account through Citi's offer page (citi.com/getchecking2), or by phone or in a branch, and enroll in the Citi Direct Deposit Offer as you open it. Opening it on citi.com any other way doesn't qualify.
  2. Within 90 days of opening, get 2 or more direct deposits or other qualifying ACHAn electronic transfer between bank accounts, like moving money from your checking at one bank to another. Glossary deposits into the account, totaling at least $3,000.
  3. Citi pays the $325 into the open account between day 90 and day 120 after opening.
  • No Citi checking in 365 days
  • Only one Citi checking bonus
View offer
States
No state list on offer page

What it means for churners

  • No paycheck needed: ACH transfers sent from another bank count, so two $1,500 transfers in the first 90 days can earn it.
  • Mind the $15 fee: from Jan 1, 2027, skipping it takes $1,000 a month in direct deposits or ACH transfers in, or a Relationship Tier. The bonus can take up to 120 days to arrive.
  • If you can bring $30,000 or more in new moneyMoney that isn't already at that bank. Moving money between your own accounts at the same bank usually doesn't count. Glossary and keep it through day 90, the Citi Welcome Offer pays $500 to $4,000 instead.

Fine print

  • You can't get it if you've had a Citibank consumer checking account in the last 365 days. Access Checking, Citi Global Wealth at Work and Citi Private Bank accounts don't qualify.
  • What counts: ACH payroll, pension or government payments, ACH transfers sent from another bank, and Zelle, Venmo or PayPal payments that arrive by ACH. What doesn't: transfers not sent by ACH, mobile check deposits, branch or ATM deposits, transfers between Citi accounts, and wires.
  • You can earn only one new-checking bonus from Citi: this one, the Citi Welcome OfferBonus points, miles or cash a card gives new cardholders who spend a set amount within the first few months. Glossary or the Citi Bundled Offer. If you enroll in more than one, Citi pays the one with the highest bonus.
  • The $15 monthly feeWhat a bank charges each month to keep the account open. It's often waived if you meet conditions like a minimum balance or direct deposits. Glossary is waived in any month you're in a Citi Relationship Tier or get at least $250 in direct deposits or other qualifying transactions. From Jan 1, 2027, the deposits needed rise to $1,000.
  • Citi may close a checking account that has a zero balance for 90 days.
  • Citi reports the bonus to the IRS as interest, on Form 1099-INTA tax form a bank or broker sends to report income such as a bonus. Bank and brokerage bonuses usually count as taxable income. Glossary. Accounts subject to backup withholding don't qualify.
  • The page doesn't list eligible states.
  • The offer terms don't mention an early closure feeA fee, or the loss of your bonus, if you close the account within a set time after opening, often 90 to 180 days. Glossary.

Source

Earn $325 with a New Citi® Regular Checking Account | Citi.combanking.citi.comOfficial sourceChecked Oct 29, 2026
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