Citibank Regular Checking: $325 bonus

Complete at least two Enhanced Direct Deposits totaling $3,000 or more within 90 calendar days of opening.

Direct deposits: $3,000 in 90 days
Cash to keep: No balance requirement
Monthly fee: $15/mo, waivable
Apply by: Oct 26, 2026

Bonus

$325

Apply by Oct 26, 2026

View offer at Citi

Read the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.

Your fit

Add your state, direct deposit and cash to check this offer's conditions against your situation.

1 thing to check: Your history with Citi

This checks the published conditions only. The bank decides who is approved.

Steps to earn

Complete all 1 step for $325

1
Direct deposit
Complete at least two Enhanced Direct Deposits totaling $3,000 or more within 90 calendar days of opening.
- $3,000
- 2 times
- Within 90 days of opening

Timeline

When will you open it?

Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.

Apply by Oct 26, 2026
Open the account
Direct deposit
Day 90 after opening
Complete at least two Enhanced Direct Deposits totaling $3,000 or more within 90 calendar days of opening.
Bonus paid
Between 90 and 120 calendar days after opening, provided the account remains open and in good standing.

Money and fees

Bonus: $325
Monthly fees: $15/month unless waived
Bonus after fees, before tax: $280 to $325

Cash to keep in the account

No balance to maintain

Months are estimated from the longest step, about 90 days. Your statement dates can change the count.

After the bonus

Account type: Checking
Monthly fee: $15/mo
How to waive it: Waived with a Citi Relationship Tier or at least $250 in Enhanced Direct Deposits each month.
APY: Not stated in the terms we reviewed
Early closure fee: Not stated in the terms we reviewed
How to open: Online

Eligibility

Where it's offered

The bank's terms don't list states. Check availability on the bank's site before applying.

Who can get it

New customers only. If you've had an account with Citi, check the look-back period in the terms.

From the bank's terms

Apply exclusively through this offer page. New checking customers only; deposits to a savings account do not qualify. Citi Enhanced Direct Deposits include certain ACH person-to-person transfers as well as payroll and benefits.

Terms and sources

Checked against banking.citi.com on Oct 9, 2026. Next check by Oct 23, 2026.

banking.citi.com/cbol/OM/checking/enhanced-direct-deposit-offer/default.htmCaptured Oct 9, 2026

Read the bank's terms

Offer terms can change. Confirm current eligibility and terms with the bank before applying.