Citigold® Checking Account $1500 Bonus

Citi : Citigold® Checking Account

Bonus Amount
up to $1500
Account Type
Personal Checking
Available In Your Area?
Yes
Offer Expires In
Bonus Requirements
  1. Open a new Citigold® Account using the link below.
  2. Within 20 days, deposit $15,000 - $49,999 into your new account to earn $300, $50,000 - $199,999 to earn $700, or $200,000+ to earn $1,500. *Must be New-to-Citi funds
  3. Maintain that balance for 60 days or more after the 21st day that the account was opened.
  4. Bonus will be credited to your open, eligible account within 90 calendar days after completing the requirements.
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Citi has increased their offer this year, up from $700 in years past. They've also tiered the bonus, allowing you to earn smaller rewards for lower balance requirements (the Citigold® Account bonus used to require $200k to earn $700 – no other tiers were available).

If you're purposely keeping cash in a bank account, this is an easy way to put it to work. Depending on when you deposit the cash (it needs to be there by the 20th day), the bonus represents an effective rate of roughly 5-11% on your savings.

Tip: They're running this same deal on other accounts, too, like the Citi Priority Account.

How To Earn The Bonus

The Citigold® Checking Account promotion requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. Full requirements to receive this bonus are:

  1. Open a new Citigold® Account using the link below.
  2. Within 20 days, deposit $15,000 - $49,999 into your new account to earn $300, $50,000 - $199,999 to earn $700, or $200,000+ to earn $1,500. *Must be New-to-Citi funds
  3. Maintain that balance for 60 days or more after the 21st day that the account was opened.
  4. Bonus will be credited to your open, eligible account within 90 calendar days after completing the requirements.

The fine print

  • Must enroll in the offer by opening your account directly from the page linked above. If you open your account on citi.com by any other means than those described, you will not be eligible to earn the New to Citi Checking Cash Bonus Offer.
  • The balance on your 20th day will determine your maximum eligible cash bonus.
  • Must maintain your balance for an additional 60 days from the 21st day. Should you fall to a lower tier (even for 1 day) within that window, your maximum bonus will drop to that tier.
  • Not available to those who have owned a Citi checking account in the last 180 days.
  • Must be at least 18 years old.
  • Funds must be new to Citi: funds deposited from external accounts or payees other than Citibank, N.A. and must be deposited using domestic ACH transfer, direct deposit, checks drawn on banks other than Citibank, N.A. or wire transfer.
  • Cash deposits, Citi Global Transfers, international ACH transfers, Zelle® transactions and person-to-person transfer services such as Apple Pay, PayPal®, and Venmo, and Zelle®, do not qualify as New-to-Citi Funds.
  • You cannot use a Citi® Accelerate Savings Account or a Citi Savings Account to maintain your balance as part of this offer and still be eligible to earn the bonus.
  • To remain eligible, your checking account must remain open and in good standing from the time it’s opened until you receive your bonus.

Why Citi?

Citi is headquartered in New York and has around 2,600 locations worldwide (about 1,000 of those are here in the U.S.) and over 65,000 fee-free ATMs. Plus, so you really never need to worry about getting access to your cash.

Citibank is best known for their credit cards, but they offer just about every product you'd expect from a big national bank – covering banking, lending, investing, and wealth management.

What we really love about Citi is the consistent promotions, usually available nationwide. When you open a new account or credit card, Citi will very often give you bonus cash.

What's more, Citi promotions are often tiered. The low requirements make the offers accessible to most people, but even better, Citi will reward you big if you can meet the highest terms.

Citigold® Checking Account

The Citigold® Checking Account takes things a step further than the Citibank® and Citi Priority by setting you up with your own dedicated financial team. This includes a relationship manager, as well as a wealth advisor.

There’s no monthly fee, but to keep your account, you need to maintain a minimum balance of at least $200,000 between your linked checking, savings, and investment accounts.

Fees

Citigold® Checking Account does not charge a monthly fee.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired or changed.