Citizens Personal Checking Account $400 Bonus

Citizens Bank : Personal Checking Account

Bonus Amount
up to $400
Account Type
Personal Checking
Available In Your Area?
No
Offer Expires In
Bonus Requirements
  1. Open a new checking account using the link below.
  2. Within 60 days, make a direct deposit of $500 to earn $300.
  3. Within the same 60 days, earn $2 for every debit card purchase you make, up to $100.
  4. Bonus will be deposited to your new checking account within 4 months of account opening.
Other Details
Hard Credit Pull?
Monthly Fees?
Varies By Account
Open Online?
Save for later
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Earn up to $400 for opening a new personal checking account at Citizens Bank – a solid bonus given the low requirements.

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 $400 bonus. Full requirements to receive this bonus are:

  1. Open a new checking account using the link below.
  2. Within 60 days, make a direct deposit of $500 to earn $300.
  3. Within the same 60 days, earn $2 for every debit card purchase you make, up to $100.
  4. Bonus will be deposited to your new checking account within 4 months of account opening.

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  • Offers may be withdrawn without notice and cannot be combined with any other checking offer.

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.

Student Checking

Fees

Student Checking does not charge a monthly fee.

One Deposit Checking™

Fees

One Deposit Checking™ does charge a monthly fee of $9.99, but there are ways to get this waived:

  • Make one deposit each statement period

Platinum Checking™

Fees

Platinum Checking™ does charge a monthly 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.

Platinum Plus Checking™

Fees

Platinum Plus Checking™ does charge a monthly 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