Citi® is offering up to a $1,500 cash bonus when you open a new Citigold® Account. This time around they've added a lower tier to make it easier to participate, but have raised some of the middle tiers which could make higher bonus levels slightly harder to achieve. It's important to note that this offer is available in most, but not all states.
This is a tiered bonus based on the amount you're able to deposit and maintain in your new account. $10,000 in new funds will earn you $500; $200,000 will earn you $1,500.
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. Each offer is significantly more than what you can find on most savings accounts. So if you have the cash, this is a great way to put it to work, risk-free.
Tip: They're running this same deal on other accounts, too, like the Citi Relationship Tier accounts.
How To Earn The Bonus
The Citi® Citigold® Checking Account promotion requires you to deposit and maintain a minimum balance in order to earn the up to $1500 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
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.
Open a Citigold® Checking Account before the bonus expires on January 7, 2025
How does this personal checking offer from Citi® compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
TD Bank
Beyond Checking
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 29 days
- Requires
- Direct Deposit
BMO
Smart Advantage Checking Account
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 62 days
- Requires
- Direct Deposit
Fifth Third Bank
Personal Checking
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 28 days
- Requires
- Direct Deposit
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+ ATMs worldwide. So you really never need to worry about getting access to your cash.
Citi 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.
Learn more in our Citi® review
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
See Citi® website for more information regarding fees.
Apply now for a Citigold® Checking Account to earn the up to $1500 bonus offer
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired or changed.
Share Your Thoughts or Questions
There have been 4 comments about the Citi® Citigold® Checking Account up to $1500 Bonus.
Jackie
November 7, 2023Took advantage of the $10k deposit for $200. It was easy to earn the bonus. The added checkbook helped when it came time to move the money out.
ReplyReply to Jackie
Wayne
November 6, 2023Even though it's a larger amount it doesn't need to be tied up a long time. On many bank bonuses you'll need to verify how long the money needs to remain in the account. Many are a direct deposit, no requirement to hold the funds. For those I like using the bill pay feature to get the money out quick. Some folks transfer it out, but in my opinion transferring it in, then immediately transferring it out looks suspicious. At least with bill pay you taking advantage of a service the bank offers
ReplyReply to Wayne
Add to the discussion