Available in the Northeast and along the east cost, Citizens Bank is offering up to $1,500 on a new Business Advisor Checking® or Clearly Better Business Checking® account. The bonus is tiered by deposit size:
- Deposit $5,000 → earn $300
- Deposit $15,000 → earn $500
- Deposit $30,000 → earn $750
- Deposit $100,000 → earn $1,500
That $300 on a $5,000 deposit works out to roughly 30% annualized once you factor in the hold period. This is genuinely one of the better rates-of-return we've seen on a business checking bonus at this deposit level. No direct deposit required either; five basic transactions (debit purchases, bill pay, ATM deposits) is all it takes.
This is technically a targeted mailer offer, but Citizens is promoting it in branches without requiring the mailer, so it's worth walking in even if you didn't get one. YMMV on online eligibility.
How To Earn The Bonus
The Citizens Business Checking promotion requires you to deposit and maintain a minimum balance and make purchases using the account's card 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
Please refer to the institution's website for any terms and conditions that may apply.
Open a Business Checking account before the bonus expires on August 31, 2026
How does this business checking offer from Citizens compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
U.S. Bank
Business Checking
- Bonus
- up to $1200
- Account Type
- Business Checking
- Expires In
- 36 days
- Requires
- Min Balance
- Bill Pay (optional)
- Card Spend (optional)
Chase
Chase Business Complete Checking®
- Bonus
- $500
- Account Type
- Business Checking
- Expires In
- 24 days
- Requires
- Min Balance
- Card Spend (optional)
Bank of America
Bank of America® Business Advantage Banking
- Bonus
- up to $750
- Account Type
- Business Checking
- Expires In
- 220 days
- Requires
- Min Balance
Why Citizens Bank?
Headquartered in Rhode Island, Citizens Bank has more than 1,000 physical locations in the Northeast and Midwest.
Citizens offers full-service banking, including private student loans, and is a convenient choice if you're in one of the 11 states where the company has a physical presence. Otherwise, while they offer online and mobile banking as you'd expect, they don't compete with the rates or tech offered by other online-only banks. Plus, they have a network of less than 3,000 ATMs, and will charge $3 each time you use an out-of-network ATM.
They're a top pick for their welcome bonuses – which are solid offers for relatively low requirements – but they're not at the top of our overall list of banks.
Clearly Better Business Checking®
The Clearly Better Business Checking® is a no-frills account designed for smaller businesses with modest transaction volume. It carries no monthly maintenance fee, making it a straightforward, low-cost option for businesses just getting started or those with simple banking needs.
Account holders receive up to 200 check transactions per statement period at no charge, with additional transactions available at $0.50 each. The account also includes access to overdraft line of credit options to help manage short-term cash flow gaps.
Fees
Clearly Better Business Checking® does not charge a monthly maintenance fee.
Business Advisor Checking®
The Business Advisor Checking® is a relationship-based account built for businesses with average account activity that want to leverage their banking relationship for added benefits. The account carries a $25 monthly maintenance fee, which can be waived by maintaining a $10,000 average daily balance or $35,000 in combined monthly balances.
This account includes up to 500 check transactions per statement period at no charge, with additional transactions at $0.30 each — a higher transaction threshold and lower per-item fee compared to the entry-level tier. It also comes with an overdraft line of credit with the annual fee waived, and Business Overdraft Pass® coverage applies to overdraft items of $10 or less.
Like all Citizens business checking accounts, this account includes access to online and mobile banking, branch and ATM access across Citizens' network, and the optional Autobooks accounting and invoicing feature.
Fees
Business Advisor Checking® does charge a monthly maintenance fee of $25, but there are ways to get this waived:
- Maintain a $10,000 average daily balance
- OR, Maintain $35,000 in combined monthly balances
Apply now for a Business Checking account to earn the up to $1500 bonus offer
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