Learn about new Citi® promotions, bonuses, and offers here. Member FDIC.
The Citi Priority and Citigold® Checking Account include $200, $500, $1,000, $1,500, or $2,000 cash bonus. You can also earn up to $2000 with a business checking bonus, up to $3,500 Savings Bonus, up to $500 with Citi Self-Invest, and up to $5,000 with Citi Personal Wealth Management.
Table of Contents
- 1 About Citi Promotions
- 1.1 Citi Priority Account Up To $2,000 Cash Bonus
- 1.2 How To Earn The Bonus
- 1.3 How To Waive The Monthly Fee
- 1.4 Fine Print
- 1.5 Citigold® Checking Account Up To $2,000 Cash Bonus
- 1.6 How To Earn The Bonus
- 1.7 How To Waive The Monthly Fee
- 1.8 Fine Print
- 1.9 Citi Up to $5,000 Savings Bonus
- 1.10 Fine Print
- 1.11 Citi Up to $2,000 Business Checking Bonus
- 1.12 Fine Print
- 1.13 Citi Invest Up To $500 Bonus
- 1.14 Citi Personal Wealth Management Up To $5000 Bonus
- 1.15 Bottom Line
About Citi Promotions
Headquartered in New York, Citi has around 2,600 locations worldwide(about 1,000 of those are here in the U.S.) with many products such as credit cards, banking, lending, investing, and wealth management.
Access to your cash is very convenient since they have over 72,000 fee-free ATMs.
Citi has some of the best bank promotions, usually available nationwide for personal checking, savings, and business checking. Citi promotions are often tiered which is good for most people with low requirements.
Citi Priority Account Up To $2,000 Cash Bonus
Open a Citi Priority Account and earn a cash bonus of $200, $500, $1,000, $1,500, or $2,000 when you maintain a minimum eligible balance and complete required activities.
- Account Type: Citi Priority Account
- Expiration: 4/4/2023
How To Earn The Bonus
- Deposit New-to-Citi 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 for an additional 60 days from the 21st day.
- The cash bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.
| Cash Bonus | Minimum Deposit & Minimum Balance |
| $200 | $10,000 – $29,999 |
| $500 | $30,000 – $74,999 |
| $1,000 | $75,000 – $199,999 |
| $1,500 | $200,000 – $299,999 |
| $2,000 | $300,000 and above |
How To Waive The Monthly Fee
- MONTHLY SERVICE FEE – $30 or $0 when you maintain a combined average monthly balance of $30,000+ in eligible linked deposit, retirement and investment accounts.
- Certain “Checking Accounts” are eligible for the Welcome Checking Cash Bonus Offer. Your new Checking Account can be an Access, Basic, Citibank® Account, Citi Priority, Citigold from the time you open your account until you receive your Bonus.
- Checking Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs, CESAs, money purchase pension plans and profit-sharing plans), and other trust accounts will not qualify for this offer.
- International Personal Bank customers are not eligible for this offer.
Fine Print
- Your Balance must be held in your eligible Checking Account
- Please understand if your Balance falls into a lower Balance Tier for even one day during the Maintenance Period, your Maximum Bonus will change (see Chart above).
- You cannot use a Citi Accelerate Savings Account or a Citi Savings Account to maintain your Balance as part of this offer and still be eligible to earn the Bonus
- So long as you have not owned a Citi checking account in the last 180 days, are at least 18 years old, and furnish or have a valid Form W-9 or Form W-8BEN on file with Citibank and are not subject to backup withholding, you can participate in the New to Citi Checking Cash Bonus Offer in select markets. Customers who open via phone or apply online with a residential/home (not mailing) address in an Eligible Location can qualify.
- A monthly service fee of $30 is applied to the Citi Priority Account Package if a combined average monthly balance of $30,000 or more is not maintained.
Citigold® Checking Account Up To $2,000 Cash Bonus
Open a Citigold® Checking Account and earn a $200, $500, $1,000, $1,500, or $2,000 cash bonus when you maintain a minimum eligible balance and complete required activities.
- Account Type: Citigold® Checking Account
- Expiration: 4/4/2023
How To Earn The Bonus
- Deposit New-to-Citi 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 for an additional 60 days from the 21st day.
- The cash bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.
| Cash Bonus | Minimum Deposit & Minimum Balance |
| $200 | $10,000 – $29,999 |
| $500 | $30,000 – $74,999 |
| $1,000 | $75,000 – $199,999 |
| $1,500 | $200,000 – $299,999 |
| $2,000 | $300,000 and above |
How To Waive The Monthly Fee
- NO MONTHLY SERVICE FEE but to remain a Citigold® client, maintain a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts.
- Certain “Checking Accounts” are eligible for the Welcome Checking Cash Bonus Offer. Your new Checking Account can be an Access, Basic, Citibank® Account, Citi Priority, Citigold® from the time you open your account until you receive your Bonus.
- Checking Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs, CESAs, money purchase pension plans and profit-sharing plans), and other trust accounts will not qualify for this offer.
- International Personal Bank customers are not eligible for this offer.
Fine Print
- Your Balance must be held in your eligible Checking Account. You cannot use a Citi Accelerate Savings Account or a Citi Savings Account to maintain your Balance as part of this offer and still be eligible to earn the Bonus
- Please understand if your Balance falls into a lower Balance Tier for even one day during the Maintenance Period, your Maximum Bonus will change (see Chart above).
- If you do not maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold® Account Package will be converted to the Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package
Citi Up to $5,000 Savings Bonus
- Account Type: Citi Savings Account
- Availability: NY, CT, MD, VA, DC, CA, NV, NJ, FL or IL
- Credit Inquiry: Soft Pull
- Credit Card Funding: None
- Opening Deposit: Varies
- Direct Deposit Requirement: No
- Monthly Fee: Varies.
- Household Limit: None listed
- Closing Account Fee: None listed
- Expiration Date: 04/03/2023
To earn the bonus:
- Step 1: Enroll and open a new Citi Savings Account by 04/03/2023.
- Step 2: Fund Your Account. Deposit New-to-Citi Funds into your new savings account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.
- Step 3: Maintain the Balance. Maintain the required Minimum Balance for an additional 60 days from the 21st day.
- Step 4: Get Rewarded. The cash bonus will be deposited to your open, eligible savings account within 30 calendar days after you complete all required activities.
| Cash Bonus | Minimum Deposit & Minimum Balance |
| $100 | $10,000 – $29,999 |
| $150 | $30,000 – $49,999 |
| $250 | $50,000 – $99,999 |
| $500 | $100,000 – $199,999 |
| $1,000 | $200,000 – $499,999 |
| $2,500 | $500,000 – $999,999 |
| $5,000 | $1,000,000+ |
The information for the Citi Savings Account has been collected independently by HustlerMoneyBlog. The product details on this page have not been reviewed or provided by the bank.
Fine Print
- Must be at least 18 years old and a new or existing Citi customer.
- Only customers who open in a branch or use a residential address in California, Connecticut, Nevada, New Jersey, New York, District Of Columbia, Virginia, Maryland or select markets in Illinois and Florida can qualify.
- Citi® Accelerate Savings Accounts do not qualify for this offer.
- Savings Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs, CESAs, money purchase pension plans and profit sharing plans), and other trust accounts will not qualify for this offer.
- You can enroll online by clicking “enroll now” and following the instructions for online account opening or by contacting a Citi representative by phone or in a branch and asking the representative to enroll you in the Get Rewarded for Saving More Offer. However, if you open your account on citi.com by any other means you will be not be eligible to earn the Get Rewarded for Saving More Offer.
- Must maintain your balance for an additional 60 days from the 21st day. Should you fall to a lower tier (even for 1 day) within that window, your maximum bonus will drop to that tier.
- Funds must be new to Citi®: funds deposited from external accounts or payees other than Citi®, N.A. and must be deposited using domestic ACH transfer, direct deposit, checks drawn on banks other than Citi®, N.A. or wire transfer.
- Cash deposits, Citi Global Transfers, international ACH transfers, Zelle® transactions and person-to-person transfer services such as Apple Pay, PayPal®, and Venmo, and Zelle®, do not qualify as New-to-Citi Funds.
- To remain eligible, your savings account must remain open and in good standing from the time it’s opened until you receive your bonus.
Citi Up to $2,000 Business Checking Bonus
- Account Type: Business Checking Account
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: No
- Monthly Fee: $15; avoidable
- Closing Account Fee: None
- Household Limit: None listed
- Expiration Date: 07/12/2023
In order to qualify:
- Open a new CitiBusiness® (Analyzed), Streamlined, or Flexible Checking Account by July 12, 2023
- Within 30 days of account opening, make a qualifying deposit of $5,000 or more in New-to-Citi® funds to qualifying accounts
- Maintain that balance for 60 consecutive calendar days
| Qualifying Balance Level | Cash Bonus |
| $5,000 | $200 |
| $15,000 | $500 |
| $25,000 | $700 |
| $50,000 | $1,000 |
| $100,000 | $1,500 |
| $200,000 | $2,000 |
The information for the Citi Business Checking Account has been collected independently by HustlerMoneyBlog. The product details on this page have not been reviewed or provided by the bank.
Fine Print
- This New Small Business Checking Account Offer (the “Offer”) refers to the limited-time offer (described below) made only to New-to-Citi® Customers.
- Only “New-to-Citi® Customers” are eligible to participate in the Offer. New-to-Citi® customers do not have, and at any time during the 180 days immediately preceding the date on which they open a new CitiBusiness® (Analyzed), Streamlined or Flexible Checking Account did not have, a Citi® business checking account.
- The Cash Bonus for which you qualify will be credited to your Citi® business checking account within 90 days from the end of the month in which you complete all Offer requirements.
- To qualify for the Cash Bonus that corresponds to one of the Qualifying Balance Levels set forth in the table below, (1) from January 5, 2023 and July 12, 2023, open a CitiBusiness® (Analyzed), Streamlined, or Flexible Checking Account; (2) within the 30 calendar day period immediately following account opening, make one or more deposits in New-to-Citi® Funds1 that in the aggregate meet one of the Qualifying Balance Levels to your new business checking account, or your new business checking account and a CitiBusiness Insured Money Market Account (“IMMA”)2; and (3) maintain one of the Qualifying Balance Levels in such account(s) for 60 consecutive calendar days after the Qualifying Balance Level is met during the initial 30 calendar day funding period. Your Cash Bonus will be based upon the highest Qualifying Balance Level in the new business checking account, or the new business checking account and an IMMA, that meets the foregoing requirements.
Citi Invest Up To $500 Bonus
- What you’ll get: Up to $500 bonus
- Where it’s available: Nationwide
- How to earn it:
- Fund a new or existing Citi Self Invest account with a minimum of $10,000 of New-To-Citi funds between 11/1/22 – 3/31/23.
- The Date of Initial Funding will determine the Account Funding Period, during which you may continue to add New-To-Citi funds to establish your bonus amount.
- You must be enrolled in eDelivery of statements through the end of the Account Funding Period.
- Maintain the New-To-Citi funds in your Citi Self Invest account through the Maintain Funds deadline shown in the chart below.
- The cash bonus will be credited to your Citi Self Invest account by the deadline shown in the chart below 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.
- When it expires: 03/31/2023
| Cash Bonus | New-To-Citi Funding |
| $100 | $10,000 – $49,999 |
| $200 | $50,000 – $199,999 |
| $500 | $200,000 or more |
The information for the Citi® Self Invest has been collected independently by HustlerMoneyBlog. The product details on this page have not been reviewed or provided by the bank.
Citi Personal Wealth Management Up To $5000 Bonus
- What you’ll get: Up to $5,000 bonus
- Where it’s available: Nationwide
- How to earn it:
- Step 1: Contact Citi to enroll a new or existing eligible Citi Personal Wealth Management account by 03/31/2023.
- Step 2: Fund a new or existing Citi Personal Wealth Management account with a minimum of $50,000 of New-To-Citi funds between 01/01/2023 – 03/31/2023.
- Step 3: Enroll or maintain enrollment in eDelivery of statements through the Account Funding Period deadline shown in the Terms and Conditions.
- Step 4: Maintain the New-To-Citi funds in your account through the Maintain Funds deadline shown in the Terms and Conditions.
| Cash Bonus | New-To-Citi Funding |
| $500 | $50,000 – $199,999 |
| $1,000 | $200,000 – $499,999 |
| $2,000 | $500,000 – $999,999 |
| $3,000 | $1,000,000 – $1,999,999 |
| $5,000 | $2,000,000+ |
The information for the Citi Personal Wealth Management has been collected independently by HustlerMoneyBlog. The product details on this page have not been reviewed or provided by the bank.
Bottom Line
Compare Citi Promotions with other bank bonuses from banks like U.S. Bank, Huntington, HSBC, Chase, Axos Bank, Discover Bank, TD Bank, and more!
The main advantage about Citi promotions, however, is that they’re often structured to reward you with more cash if you can meet higher balance requirements.
Citi will reward you big if you can meet the highest terms. However, the “New to Citi Checking” welcome bonuses start with a $300 tier.
Make sure to read the fine print and understand the account’s fee structure. I recommend to sign up to Citi if you’re a non-Citi customer.
Finally, check back often for the latest Citi promotions, bonuses, and offers!
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What this about a W-9. In the application there was language about whether or not I was subject to backup withholding (No). Do I also have to submit a W-9? How?
If I close the account after I receive the bonus, do I forfeit the bonus? Or is there a fee to close the account?
I got all the way through the process of the online application up to the “funding” page and that is where I ran into problems. The system would not let me do an “online verification” and had to click on “trial deposit,” but when I submitted I got a “not authorized” response. Now the page is just up there. I have all my personal information inputted and there is no way to back out or erase the info. So frustrating.
I got same thing.
The Citibank promotion is a huge scam. Met all qualifying events. No bonus. Called customer service. Said they would get back to me, no response. Do not waste your time with Citibank!
I signed up online and got an email that they were reviewing account and would get a response in 5 days. It’s been over two weeks, and it looks like I’m not the only one who’s had this issue. I have freezes on my credit, so I unlocked them for a week based on Citibank’s email so they could do a soft inquirty. Well, they’re frozen now, and I’m not going to unlock them again, since I have no idea if Citibank’s even going to respond. I’m moving onto to another bank.
I have opened an account last year, transferred $15000 and had few direct deposits – qualified for $500 bonus on 01/15/2019 ( after keeping $15K for 60 days) , Yet to get the bonus deposited I called Citi customer care couple of times was asked to wait for completing 90 days after qualifying date. Looking at this mail thread it seems like a scam and less optimistic now. There is a minimum balance requirement of $10K , any idea whether we can downgrade to have a minimum balance of < $2K while I still hope to get the bonus in future..
Careful with this promotion, other people complained, and it happened to me, they didn’t pay (400/15000×60 days)
Does anyone know how to do an ach1 to qualify for the bonus?
I deposited combination 15k in checking ($1) and savings ($14,999) which was ok per their offer and per phone call with customer service. Just got an email that I don’t qualify for the bonus – they’ve changed the conditions to require 1,500 in checking and $100 in savings. I qualified for the bonus as the terms were written when I opened the accounts. I’m filing a complaint with the CFPB and suggest that others do the same.
Run from Citibank. Never before have I gotten the run around from a bank about the bonus, like this bank. I qualified for the bonus on 7/28/18, and for almost 4 months I’ve been getting excuse after excuse. I’ve made at least a dozen calls/chats. I finally filed a complaint with Consumer Financial Protection Bureau. It’s scary how many complaints they have. Here’s a link to the database that shows all the complaints regarding bank bonus:
https://www.consumerfinance.gov/data-research/consumer-complaints/search/?from=0&searchField=all&searchText=Citibank%20bonus&size=25&sort=created_date_desc
Has anyone received the $400 bonus in their account and how long did it take (after all requirements were met after 60 days) for the bonus to get processed? They say it can take up to 90 days but other banks have given such bonuses within a week to a month.
If all conditions met, you must receive 400$ within 60 days.
Before applying this ac, if you were added to someone’s ac as co-signer, you will not get $400 bonus.
NO I didn’t receive money! This is FRAUD!!! They didn’t pay me bonus after 6 months. Worst bank in USA
Please find a Law Firm to file a Class-Action case against the Citibank and I will join you because it closed my account after keeping my $15,000 for 90 Days and told me that it was closed on 57th day of my $15,000 Deposit and hence I won’t be given the bonus. The President’s Office representative Maria told me that the Bank couldn’t verify my information at the time of account opening and the staff was so lazy to take a decision on 57th Day after the $15,000 deposit i.e. more than two months after the account opening. I am a U.S. Citizen, have provided them my CA DL to open the account and hence am willing, capable and ready person to file a Class-Action case against the Citibank for its False Advertising to Cheat the depositors. I am still to get my $15,000 back even after 90 days. Shame Citibank
Application for the $400 Citibank promo was approved and money transferred to Citi. What I can’t seem to get from Citi is verification that I will get the $400 at the end of three months (providing I don’t let my balance fall). I would like something in writing at the very least. They assured me over the phone but I’ve learned not to take only someone’s word. Did anyone else get anything in writing in this regard?
Good luck, if you get the bonus even after 90 days of keeping the $15,000 deposit for 60 days as per the requirement of getting the Bonus. Citibank close the account without any reason, to avoid paying the bonus and even the President’s office representative Maria says that the Citibank can close the account anytime without giving any reason.
I opened an account to get the $400 bonus. I set up an external account and then transferred $15,000 into the Citibank account to satisfy the bonus requirements. Citibank will not allow the funds to be deposited in the account. I was given phone numbers to call. No answer. Citibank has a history of fraudulent bonuses. Without funds in the account, Citibank can charge fees. This is the second attempt to fund the account. First I made Citibank and external account on the bank with the funds and did a transfer. Citibank blocked the transfer. It’s maddening to try to do a deposit. I contacted the banker who opened the account. She couldn’t help. It’s not worth the aggravation and getting the bonus will be more of a problem than depositing funds into the account using electronic transfer. Citibank blocks all transfers of funds into its ban,
Best/quick way to fund Citi is get cashiers cheque from your other bank & deposit at branch.
1.Can the new promos running through Jun 30 2018 be combined with referral bonus?
2. If yes is there anyway one can refer online or is it only at the branch?
3. Are the same promos for $200/$400/$600 available at the branch?
Yes, you can refer your friends for $200/$400/$600 & you will get $100.
Request your personalized promo code from banker & share with friends before they go for opening ac.
I tried this twice and was unsuccessful. The 30 day window is too short to get the direct deposit set up. Would not recommend any situation where you have only 30 days to get things set up.
Your good stars saved you from this Fraudulent promotion of Citibank. You may not have received the bonus even after 90 days of keeping the $15,000 deposit for 60 days as per the requirement of getting the Bonus. Citibank close the account without any reason, to avoid paying the bonus and even the President’s office representative Maria says that the Citibank can close the account anytime without giving any reason.
If you want to open a Citi Bank account, please use the referral code 201108537.
Citibank has the worst customer service. You will need to go through an extensive process in order to get approved for the bonus in time if you are lucky.
I second that. I just had horrible experience with them. Citibank will send you a link with security questions you have not setup yet to make a deposit.
They will waste your time and in the end tell you that you are past 30 days to make deposit and will not get promotional offer.
STAY AWAY FROM CITIBANK PROMOTIONAL OFFER!!!!!!!!!!!!
The Citibank promotions are doable but there’s a catch. The language “eligible” is sprinkled all throughout the offer; however, what omitted willfully is that if someone has received a bonus in the last 24 months the account(s) they open are NOT eligible. You’ll see ‘other terms and conditions apply’ or “speak to a representative for additional details.” The add’l terms and details have to do with prior bonuses.
When did they add the disqualification for receiving a bonus in last 24 months? I’ve done the promotion 3 years in a row (2016, 2017, 2018), and received my bonus all 3 times.
2016 – $15k opening balance, $400 bonus (Citi Account)
2017 – $50k opening balance, $500 bonus (Citi Priority, wasn’t worth it…)
2018 – $15k opening balance, $300 bonus (Citi Account, should have waited & opened 1 month later, would have gotten $400 bonus)
In all 3 cases, my initial (opening) deposit met the balance-requirement, and I got the bonus within 90-120 days of account opening. (I For the 2016 and 2018 years, I opened the same account-type within 18-19 months of each other…
HSBC and Bank of the West’s Account Promotion pages clearly state that receiving a promotion within the past 2-years disqualifies you for new account promotions.
I have made money from Citibank promos and several other Banks in the past. Now Citi requires minimum deposit amounts to be in your account for 60 days, then Citi will post a bonus to your account with the next 90 days. At least that is how I understand the language. Please correct if wrong. Having funds in an account for 60 plus 90 days equal 5 months waiting to earn @2% or less.
Please find a Law Firm to file a Class-Action case against the Citibank and I will join you because it closed my account after keeping my $15,000 for 90 Days and told me that it was closed on 57th day of my $15,000 Deposit and hence I won’t be given the bonus. The President’s Office representative Maria told me that the Bank couldn’t verify my information at the time of account opening and the staff was so lazy to take a decision on 57th Day after the $15,000 deposit i.e. more than two months after the account opening. I am a U.S. Citizen, have provided them my CA DL to open the account and hence am willing, capable and ready person to file a Class-Action case against the Citibank for its False Advertising to Cheat the depositors. I am still to get my $15,000 back even after 90 days. Shame Citibank
$30/mo. fee for the checking account.
It states there is not a fee if $50,000 IS MAINTAINED IN ACCOUNT.
No fee it states if $50,000 is maintained in account.
This offer requires a promotional code
CitBank’s promos notoriously have sky high minimums…