Earn up to $400 for opening a new personal checking account at Citizens Bank – a solid bonus given the low requirements. You'll earn $300 for opening the checking account plus an opportunity to earn another $100 through debit spend.
If you're also eligible to be a new savings account owner and have $15,000 to park for 3 months, Citizens is running a separate promo that results in a total of $700 for opening both accounts.
Otherwise, stick with this promo, since you'll earn $300 for opening the checking account plus an opportunity to earn another $100 through debit spend.
How To Earn The Bonus
The Citizens Personal Checking Account promotion requires you to set up direct deposits, and optionally, make purchases using the account's card in order to earn the up to $400 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
- Not eligible if you've had a personal checking account with Citizens Bank within the previous six months.
- The new account must be open and in good standing on the payout date to qualify for this offer.
- Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income (such as Social Security).
- Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites.
- Qualified debit card transactions from all debit cards on the checking account count toward the bonus.
- Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
- Must open your new checking account via Citizens’ online account opening system accessed by clicking on one of the links on the promo page.
- You should print their promo page for your records.
- Customer will only be paid a one-time bonus for this program.
- One debit card bonus per checking account.
- Offers may be withdrawn without notice and cannot be combined with any other checking offer.
Open a Personal Checking Account account before the bonus expires on June 6, 2024
How does this personal 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:
PNC
Virtual Wallet®
- Bonus
- up to $400
- Account Type
- Personal Checking
- Expires In
- 67 days
- Requires
- Direct Deposit
TD Bank
Beyond Checking
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 251 days
- Requires
- Direct Deposit
U.S. Bank
U.S. Bank Smartly® Checking
- Bonus
- up to $700
- Account Type
- Personal Checking
- Expires In
- 63 days
- Requires
- Direct Deposit
- Min Balance (optional)
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.
One Deposit Checking™
Fees
One Deposit Checking™ does charge a monthly maintenance fee of $9.99, but there are ways to get this waived:
- Make one deposit each statement period
Citizens Quest™ Checking
Citizens Quest™ Checking is an interest-bearing account with no overdraft fees.Fees
Citizens Quest™ Checking does charge a monthly maintenance fee of $25, but there are ways to get this waived:
- Reach a combined total balance of $25,000 across any of your Citizens Bank deposit and investment accounts.
Citizens Wealth™ Checking
Citizens Wealth™ Checking may be for you if you can maintain $200,000 in combined deposit and investments.Fees
Citizens Wealth™ Checking does charge a monthly maintenance fee of $25, but there are ways to get this waived:
- Reach a combined total balance of $25,000 across any of your Citizens Bank deposit and investment accounts
- AND, either make a deposit of at least $5,000 in your checking account each statement period
- OR, maintain an average daily checking balance of $10,000
Student Checking
Fees
Student Checking does not charge a monthly maintenance fee.
Apply now for a Personal Checking Account account to earn the up to $400 bonus offer
Share Your Thoughts or Questions
There have been 5 comments about the Citizens Personal Checking Account up to $400 Bonus.
RichardFL
December 12, 2023Everytime I sign up, it says that the promo code is invalid. Do you need this promo code entered in order to get the bonus? It will allow me to sign up without the code.
ReplyReply to RichardFL
Jon Snow
November 13, 2023I’ve done this bonus several times already. Easy to open and fulfill requirements. The debit card transactions can be of any amount, no minimum. The deposit per month can be of any amount as well to waive the monthly maintenance fee.
ReplyReply to Jon Snow
Klaus Pohlmann
November 6, 2023The Citizen’s One $300 bonus simply required a direct deposit of $500 within 60 days! WHAT?!! And, to avoid the $9.99 monthly maintenance fee, you must simply make a single direct deposit each month of any amount … $5/mo worked for me!
ReplyReply to Klaus Pohlmann
Den
November 5, 2023I used their exclusive personal promotion to get $300 for opening my first new personal checking account and $300 for my first savings account. The requirement was to make a single direct deposit of $500 or more within 60 days and make at least one single deposit of $500 into the new savings account every month for 3 consecutive months. The bonus was transferred to my checking account soon after the requirements were met. I also enjoyed the Citizens Paid Early feature for checking accounts to get paid 2 days early with direct deposit.
ReplyReply to Den
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