Periodically throughout the year Citibank will have new Checking and Savings account promotions for bonus cash.
The typical bonus amounts include $200, $250, $300, $400, $500, $600, $700, $1000, $1500, $2000 and sometimes up to $3,500. While the Chase Bank bonuses are typically more popular, these offers from Citi are very competitive for people with the cash available to qualify for the bonus. This is because Direct Deposit is oftentimes not required.
You’ll find Citibank branches across the following states: CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX and VA. Personal Checking and Savings offers appear to be available nationwide.
Citi Checking accounts have reportedly been some of the best for low-fee ATM usage overseas.
See our bank offers page for more offers. Top offers can be found from Chase Bank, HSBC Bank, Aspiration, TD Bank, BMO Harris, Bank of America and many more.
Citibank Bonus: $200, $500, $1000, $1500 or $2000 Personal Checking Offers
- What you’ll get: Up To $2,000
- Where it’s available: Available nationwide. Branches in CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX and VA.
- When it expires: 1/9/2023
- How to earn it:
- Open a new checking account in the Citigold® Account Package from July 18, 2022 and January 9, 2023.
- Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.
- Maintain the required Minimum Balance* in your eligible account(s) for an additional 60 days from the 21st day.
- The cash bonus will be deposited to your open, eligible account within 90 calendar days after you complete all required activities.
- Earn one of the following amounts based on your minimum deposit and minimum balance amount:
| Minimum Deposit and Minimum Balance |
Your Cash Bonus |
| $10,000 – $29,999 | $200 |
| $30,000 – $74,999 | $500 |
| $75,000 – $199,999 | $1,000 |
| $200,000 – $299,999 | $1,500 |
| $300,00 and above | $2,000 |
Waive The Monthly Fee
- Citigold Account Package. To remain a Citigold client, maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts. There is no monthly service fee for accounts in The Citigold Account Package.
Bottom Line
You’ll also have to have a significant amount of funds to put away for a while for the best offer. Still, Citi is a big, well-known bank and the bonus offers are quite high value so are worth checking out.
Warning: these offers from Citi have very detailed terms and conditions. Explore these terms carefully on the offer pages before applying.
See more bonus offers that don’t require direct deposit…
Citibank Bonus: Up To $3,500 Savings Offer
- What you’ll get: Up To $3,500 bonus
- Where it’s available: NY, CT, MD, VA, DC, CA, NV, NJ, FL or IL
- How to earn it: Existing Citibank customers can earn $40 – $3,500 when opening a new eligible Citi Savings Account and completing required activities.
- When it expires: 10/3/2022
How To Earn The Bonus
- First, enroll and open a new Citi Savings Account.
- Second, fund your account with the required minimum deposit in New-to-Citibank Funds* within 20 days of account opening.
- Third, keep the required minimum balance for 60 consecutive calendar days.
- Fourth, earn the corresponding cash bonus associated with your balance tier within 90 calendar days after you complete all required activities.
| Minimum Deposit and Minimum Balance |
Your Cash Bonus |
| $10,000 – $29,999 | $40 |
| $30,000 – $49,999 | $100 |
| $50,000 – $99,999 | $200 |
| $100,000 – $249,999 | $400 |
| $250,000 – $499,999 | $800 |
| $500,000 – $999,999 | $1,750 |
| ≥ $1,000,000 | $3,500 |
Citi Bonus: Up To $5,000 Personal Wealth Management Offer
- What you’ll get: Up to $5,000 bonus
- Where it’s available: Nationwide (U.S.)
- How to earn it:
- Contact Citi and enroll in a new or existing eligible Personal Wealth Management account.
- Fund the account with New-to-Citi Funds within 2 months of account opening or funding of your existing account (except existing IRAs).
- Enroll the new or existing Citi Personal Wealth Management Account into the e-delivery of statements within 2 months of account opening or funding of your existing account (except existing IRAs).
- Maintain the new funding through the end of the next month (or 3 months after the month of account enrollment).
- The cash bonus tiers are as follows:
- $50,000 – $199,999 New-to-Citi funds: $500 bonus
- $200,000 – $499,999 New-to-Citi funds: $1,000 bonus
- $500,000 – $999,999 New-to-Citi funds: $2,000 bonus
- $1,000,000 – $1,999,999 New-to-Citi funds: $3,000 bonus
- $2,000,000+: $5,000 bonus
- When it expires: 9/30/2022
See all Citi investment promos here.
Citibank Bonus: Up To $2,000 Business Checking Offer
- What you’ll get: Up to $2,000 bonus
- Where it’s available: In-Branch (CA, CT, DC, DE, FL, IL, MA, MD, NJ, NV, NY, PA, SD, TX, VA)
- How to earn it:
- Open a new CitiBusiness® (Analyzed), Streamlined, or Flexible Checking Account between July 6, 2022 and January 4, 2023.
- Within 30 days of account opening, make a qualifying deposit of $5,000 or more in New-to-Citibank funds to qualifying accounts to earn the following bonuses:
- $200 bonus with a $5,000 deposit
- $500 bonus with a $15,000 deposit
- $700 bonus with a $25,000 deposit
- $1,000 bonus with a $50,000 deposit
- $1,500 bonus with a $100,000 deposit
- $2,000 bonus with a $200,000 deposit
- Maintain that balance for 60 consecutive calendar days
- When it expires: 1/4/2023
Waive The Monthly Fee
The CitiBusiness Streamlined Checking Account is simplest to waive the fee. The $15 monthly fee is waived with an average monthly balance of $5,000 or more.
Bottom Line
This one may not be available in all branches. You’ll have to go into your local branch to ask if any current offers are available. Chase Bank has a good business Checking offer to compare with.
Citi Bonus: Up To $500 Self Invest Offer
- What you’ll get: Up to $500 bonus
- Where it’s available: Nationwide (U.S.)
- How to earn it:
- Fund a new or existing Citi Self Invest Account and earn a cash bonus based on how much you deposit into the account.
- Cash Bonus Amount:
- Deposit $10,000- $49,999 to earn $100
- Deposit $50,000 $199,999 to earn $200
- Deposit $200,000 or more to earn $500
- You must maintain the funds through the period stated in the Terms and Conditions.
- When it expires: 10/31/2022
Fine Print
- Fund a new or existing Citi Self Invest Account between 3/1/22-10/31/22.
- Fund the Citi Self Invest Account with a minimum of $10,000 in New-To-Citi funds within the Account Funding Period shown below (see below for definition of “New-To-Citi funds”).
- Maintain the New-To Citi funds in your Citi Self Invest account through the Maintain Funds deadline shown below based on month of account opening.
- During the account opening process, allow for eDelivery of statements and confirmations.
- The cash bonus will be credited to your Citi Self Invest account by the deadline shown above for customers who have met the qualifying requirements stated above.
- At the time the Cash Bonus is credited to that account, the Citi Self Invest account must be open and in good standing.
- Limit one bonus per individual customer.
- If multiple accounts are opened or funded by a customer, the offer will apply to the eligible account with the highest balance.
- Multiple account balances in the name of the same beneficial owner will not be aggregated for purposes of this offer.
- This offer cannot be combined with any other offer.
- All accounts are subject to approval and applicable terms and fees.
- Account must be open and in good standing at the time the bonus is credited to receive the bonus.
- This promotion is available for those customers who qualify for the offer and who have opened and maintain a new individual taxable Citi Self Invest account.
Bottom Line
You need to fund a minimum of $10,000 to earn a bonus with this offer. It may be worth it for some.
Citibank Bonus: $500 Referral Offer (Targeted)
- What you’ll get: $500 for every referral
- Where it’s available: Nationwide (U.S.)
- How to earn it:
- Targeted offer with no direct offer link; for eligible customers only
- If you are an eligible customer, you will automatically receive an email from Citi with your unique referral link.
- Simply share your unique referral link with friends and family via email.
- You will receive a $500 cash bonus for every referral who is new to Citibank checking and opens an eligible checking account using your unique referral link. Max. 20 referrals per customer.
- When it expires: 10/5/2022
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