Find current Citizens Bank promotions, bonuses, and offers here.
Currently, they have a $400 bonus when you open a new checking account with them.
Table of Contents
- 1 About Citizens Bank Promotions Review
- 1.1 Citizens Bank $400 Checking Bonus
- 1.2 Citizens Bank $150 Direct Deposit Bonus (Existing Customers)
- 1.3 Citizens Bank $1,000 CollegeSaver Savings Bonus
- 1.4 (Expired) Citizens Bank $10 Amazon Gift Card Bonus
- 1.5 (Expired) Citizens Bank $600 Checking Savings Bonus
- 1.6 How To Waive Monthly Fees
- 1.7 Bottom Line
About Citizens Bank Promotions Review
Citizens Bank is headquartered in Providence, Rhode Island, and is the largest financial institution in the state. Being the 17th largest bank in the nation, Citizens Bank offers a wide variety of accounts for you to take advantage of. Additionally, it’s great to know that the bank boasts an A+ health rating!
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Credit Inquiry: Soft pull (as long you opt out of over draft protection)
- ChexSystem: Mixed data points
- Credit Card Funding: None
CDs and Savings accounts are a great way to save money. Check out our full list of some of the best Bank Rates and CD Rates nationwide.
*Compare Citizens Bank Promotions with other bank bonuses from institutions like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
I’ll review the current Citizens Bank Promotions below.
Citizens Bank $400 Checking Bonus
Citizens Bank is offering up to a $400 bonus when you open a checking account and meet certain requirements.
- What you’ll get: $400 bonus
- Account Type: Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
(Expires August 4, 2022)
You can compare this to several great entry level Checking accounts with bonus offers include the Citi Priority Account (Up to $1500 Cash Bonus), Chase Total Checking® ($200 bonus), Discover Cash Back Debit (up to $360 Bonus), U.S. Bank Checking (up to $400 bonus), Chase Secure Banking ($100 Bonus), and Aspiration Spend & Save Account ($150 bonus). |
How To Earn Bonus
- To earn up to 400 bonus in total:
- Earn a $300 bonus, Open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
- To earn up to $100: Earn $2 for every debit card purchase you make, up to $100 within the next 60 days.
- To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 04/21/2022 to 08/04/2022 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening.
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below 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. 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 cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
- Eligibility: Customer must open their first new checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their 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. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes. We have multiple checking and savings options, for example if you open
- Citizens Quest™ Checking: Minimum opening balance of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest Checking varies by tier. For example, as of 04/01/2022, APY by tier for Citizens Quest Checking is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening. Total monthly deposits into checking OR minimum balance requirements apply to waive the Citizens Quest Checking $25 monthly maintenance fee.
- One Deposit Checking: Just one deposit of any amount each statement period waives the monthly maintenance fee on a One Deposit Checking account from Citizens.
Citizens Bank $150 Direct Deposit Bonus (Existing Customers)

Citizens Bank $150 Direct Deposit Bonus
Citizens Bank is offering customers a chance to earn $150 Direct Deposit Bonus when you open a checking account and have at least two single direct deposits of $500 or more.
- What you’ll get: $150 bonus
- Account Type: Checking
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL. (Targeted)
You can compare this to several great entry level Checking accounts with bonus offers include the Citi Priority Account (Up to $1500 Cash Bonus), Chase Total Checking® ($200 bonus), Discover Cash Back Debit (up to $360 Bonus), U.S. Bank Checking (up to $400 bonus), Chase Secure Banking ($100 Bonus), and Aspiration Spend & Save Account ($150 bonus). |
How To Earn Bonus
- Check your emails to see if you have been targeted for this offer.
- Subject line is ‘Get $150 when you set up and make a direct deposit’
- Set up at least two single direct deposits of $500 or more post to your checking account between 03/01/22 and 05/31/22.
- To earn a $150 bonus, have at least two single direct deposits of $500 or more post to your checking account between 03/01/22 and 05/31/22.
- Qualifications: The account must be open with a balance greater than zero and in good standing through the payout date (July 31, 2022) 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.
- Eligibility: This offer is only available to the individual addressed on this email. Retain this email for your records.
- Customer will only be paid a one-time bonus for this program.
- Only one checking account is eligible for a bonus.
- Offers may be withdrawn without notice. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the checking account by July 31, 2022 and will be labeled as “Balance Builder Bonus”.
- Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $1,000 CollegeSaver Savings Bonus

Citizens Bank $1,000 CollegeSaver Savings Bonus
Citizens Bank is offering customers a chance to earn $1,000 CollegeSaver Savings Bonus when you open a CollegeSaver account before your child’s 12th birthday. Start saving for the future now!
- What you’ll get: $1,000 bonus
- Account Type: Saving
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
(No Expiration Date Listed)
Compare this savings account to alternatives like Aspiration Spend & Save Account ($150 Bonus + 1.00% APY), Discover Bank Savings Account ($200 Bonus + 0.50% APY), Axos Bank High Yield Savings (0.61% APY), Quontic Bank High Yield Savings (0.65% APY), and American Express High Yield Savings (0.50% APY). |
How To Earn Bonus
- Open a CollegeSaver account before your child’s 12th birthday
- Save at least the monthly minimum amount every year. $25 if child is under 6 years of age at opening, $50 if child is 6 or older but under 12 years of age at opening.
- Receive a $1,000 bonus plus interest when your child turns 18
- Terms, conditions and withdrawal limitations apply.
- Account must be opened before child’s 12th birthday.
- To receive the $1,000 bonus plus interest, you must save the monthly minimum amount each year.
- One skipped deposit allowed per year.
- Account must be open to receive bonus.
- One account per child.
- Once the program requirements have been met, the bonus plus accrued interest will be credited to your CollegeSaver account and labeled as “CollegeSaver Bonus” on your statement; bonus will post within 45 days after the child’s 18th birthday.
- Minimum balance for the bonus at beneficiary’s 18th birthday varies. Interest will be reported to the IRS for the account owner (e.g., a parent or a child for UTMA (Uniform Transfers to Minors Act)).
(Expired) Citizens Bank $10 Amazon Gift Card Bonus

$10 Amazon Gift Card Bonus
Citizens Bank is offering a $10 bonus when you check your student loan refinance rate.
- What you’ll get: $10 bonus
- Account Type: Student Loan
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
(Expires February 28, 2021)
You can compare this to several great entry level Checking accounts with bonus offers include the Citi Priority Account (Up to $1500 Cash Bonus), Chase Total Checking® ($200 bonus), Discover Cash Back Debit (up to $360 Bonus), U.S. Bank Checking (up to $400 bonus), Chase Secure Banking ($100 Bonus), and Aspiration Spend & Save Account ($150 bonus). |
How To Earn Bonus
- Complete a rate quote for a Citizens Education Refinance Loan between February 1st and February 28th , 2021
- Allow up to 2 weeks following the end of the promotional period for the gift card to be emailed
- This offer is not valid for existing Citizens Education Refinance Loan customers.
- One gift card per person.
- Offer valid between February 1st and February 28th , 2021, or while gift card supplies last.
(Expired) Citizens Bank $600 Checking Savings Bonus

Earn up to $600 when you open a new checking/savings account!
Citizens Bank is offering new customers a chance to earn up to $600 when they open both a checking and savings account and meet the eligible requirements.
- What you’ll get: $600 bonus
- Account Type: Checking
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
(Expires January 21, 2021)
If you're looking for more advanced features for a checking account, you may want to compare this offer to the following: Citigold® Checking Account (Up to $1500 Cash Bonus), HSBC Premier Checking ($500 Bonus), Huntington 25 Checking ($300 Bonus), and BMO Harris PremierTM Account ($350 Bonus). |
How To Earn Bonus
- To earn up to 600 bonus in total:
- Earn $300 when you open a new checking account and make a direct deposit of $500 or more within 60 days.
- Additional $200 when you open a new savings account with a minimum of $15,000 not currently on deposit with Citizens and maintain that balance for 3 months.
- Get the additional $100 when you do both.
Qualifications:
- Primary signer on the new checking and savings accounts may not be or have been a signer on any Citizens personal checking or savings account within the previous six months.
- he new account(s) must be open and in good standing on the payout date stated in the table below 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.
Eligibility:
- Customer must open their first new checking and/or savings account via Citizens’ online account opening system accessed by clicking on one of the links on this page.
- Customer should print this screen for their records.
- Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other checking offer.
Payout:
- Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
- Bonus will be reported to the IRS for income tax purposes.
How To Waive Monthly Fees
- One Deposit Checking: $9.99 monthly fee waived with one deposit each statement period
- EverValue Checking: $5 monthly fee
- Student Checking: No monthly fee if you’re under age 25
- Quest Checking: $25 monthly fee waived with one of the following:
- Make $5,000 in total deposits to your primary checking each statement period OR
- Maintain $25,000 in monthly combined deposits and investments
- Wealth Checking: No monthly fee when you maintain $200,000 in combined deposits and investments
- Clearly Better Business Checking: No monthly fee
- Business Advisor Checking: $25 monthly fee waived if:
- $10,000 average daily balance -OR-
- $35,000 monthly combined balance.
- Citizens Analysis Business Checking: $2o Monthly Maintenance Fee cannot be waived; however, the cost of this fee can be offset using an Earnings Credit.
Bottom Line
These are all the current Citizens Bank promotions and offers. These bonuses are very generous, so I recommend checking it out if you have a location near you. Additionally, this account is good because it triggers a soft pull, meaning it won’t harm your credit score.
Feel free to leave a comment below informing us about your experience with Citizens Bank. Your feedback is highly appreciated and makes our site even better!
*Check back for updated Citizens Bank promotions, bonuses, and offers.

does webull or voyager trigger ach dd? o only get paid 450 a week, im just under the 500 transaction. on this site https://www.hustlermoneyblog.com/what-banks-count-as-direct-deposits it says capital one 360 both works and does not work, which one is it? I have many brokerage accounts and bank accounts how can I trigger a 500 ach with citizens bank?
Does anyone know if Citizen’s enforces the following clause that says it must be your FIRST new account?
“Eligibility: Customer must open their first new checking and/or savings account via Citizens’ online account opening system accessed by clicking on one of the links on this page.”
This seems somewhat contradictory to the qualifications that mention not having a prior account in the past 6 months. “Qualifications: Primary signer on the new checking and savings accounts may not be or have been a signer on any Citizens personal checking or savings account within the previous six months.”
This offer has ended, prior to June 11.
opened mid december bonus posted april 22nd
I have just attempted applying for One deposit checking & savings since Platinum checking account needs 25k balance. I noticed that promo code isn’t getting applied at all. I even called and confirmed it. WATCH OUT!
Simply put –
One Deposit Checking/Savings offer doesn’t work;
Platinum Checking/Savings offer works;
Offer seemed to have extended —
To Earn Bonus: To earn a $300 bonus, open your first new personal checking account, excluding Student Checking, between 11/7/19 and 2/20/20 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
https://www.citizensbank.com/promotion/checking/cash-offer-600c.aspx
Does anyone knows if we close the account in less than 180 days , does they take the Bonus Back? Or is there any account closure fees?
Yes, it says in the fine print that if the account is closed in less than 180 days, then the bonus will be deducted before cashing out. Based on their bonus structure, I’d keep the account open at least till the very end of whichever month during which the 180th day falls.
Any promo codes for Citizens Bank that anyone can share? I am thinking of opening an account at my local branch as I currently only have USAA and they have been terrible with the security of my account. I know they have the $300 targeted, is that emailed or mailed flyer? I don’t really have a stable address in NY since I’m always traveling.
11 states. Many states???
I opened the CitizensBank and my first direct deposit was on March21st and I managed 2K direct deposit and today on June 27th Thursday I do see a credit fo $600 after approx 90+ days as they had mentioned in my bank account. I thought of posting this as even I was worried of not getting the bonus but it made it took a little like 95 days I wld say so thought I should post it here.
Awesome Rahul. Glad you got your bonus!
Thanks for the Info Rahul!
Even I had opened my account exactly 90 days ago online using the offer link and still have not received the bonus amount! let me wait for few more days as you have received amount once after 95 days.
Been since January since I opened account still no money in my account.