Citi Regular Checking

$500 for $30,000, up to $4,000 with more

PerkSensei Desk · Oct 29, 2026

Bonus: $500 to $4,000
Task: $30,000+ 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 within 45 days, kept through day 90
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 · 4 steps

By Jan 11, 2027, open a new Citi Regular Checking account through Citi's offer page (citi.com/getchecking), or by phone or in a branch, and enroll in the Citi Welcome OfferBonus points, miles or cash a card gives new cardholders who spend a set amount within the first few months. Glossary as you open it. Opening it on citi.com any other way doesn't qualify.
Within 45 days of opening, deposit at least $30,000 in new money from outside Citi, by direct depositPay sent electronically into your account by an employer, payroll service or government agency. Many bank bonuses require it. Glossary or other ACH deposit, check or wire. You can also open a new Citi Savings account after the checking, by day 45, and split the money between the two.
Keep it in the new accounts every day from day 46 through day 90. The lowest balance on any of those days sets the bonus. The table shows each tier.
Citi pays the bonus into the open checking account between day 90 and day 120 after opening.

If the money lands on day 45 and stays through day 90, it's tied up 46 days. Over that, $500 on $30,000 (1.7%) works out to about 13% a year, $2,000 on $200,000 about 8% a year, and $4,000 on $1,000,000 about 3% a year.
One low day costs you: dip under $200,000 on any day from day 46 to day 90 and $2,000 becomes $500.
Without $30,000 to park, the Citi Direct Deposit Offer pays $325 for $3,000 in direct deposits instead.

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.
New money must come from outside Citibank. Cash, Citi Global Transfers, Citi debit card funding and transfers between Citibank accounts don't count, and neither does money that was in any Citi account before Oct 27, 2026.
You can earn only one new-checking bonus from Citi: this one, the Citi Direct Deposit Offer 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 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.

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