Find current Citizens Bank promotions, bonuses, and offers here.
Update 3/28/24:
- We’ve added a $300 savings bonus offer to the list – simply open your first new personal Citizens Quest® Savings account and deposit $15K in new money valid through 4/16/24
- There is a new variation to the $400 bonus whereas the only requirement is the $500 direct deposit. You do not need to do any debit card transactions. See offer here (expires 3/31/24)
About Citizens Bank Promotions
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 checking, savings, business accounts for you to take advantage of.
They have grown to more than 1,000 locations throughout Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Vermont, Virginia, and Washington DC.
I’ll review the current Citizens Bank Promotions below.
Citizens Bank $400 Checking Bonus
- 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 (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Soft pull (as long you opt out of over draft protection)
- ChexSystem: Mixed data points
- Credit Card Funding: None
- Monthly Fees: $$9.99; waivable
- Early Account Termination Fee: None
- Household Limit: None
(Expires 04/11/2024)
Editor’s Note: You are consider a new customer after 6 months from the last account closure. This is clearly written in the fine print.
*Please note the 2nd $400 offer has no debit transaction requirement.
**We recommend to sign up the One Deposit Checking from Citizens. You can avoid the $9.99 monthly fee when you make one deposit each statement period.
U.S. Bank Smartly® Checking ($400 bonus) | Truist Checking ($400 bonus) |
BMO Smart Money Checking ($250 bonus) | BMO Smart Advantage Checking ($250 bonus) |
Bank of America ($200 bonus offer) | Chase Total Checking® ($300 bonus) |
Fifth Third Bank Momentum® Checking ($325 bonus) | SoFi Checking and Savings ($325 bonus) |
KeyBank Key Select Checking ($200 bonus + $100 Bonus) | KeyBank Key Smart Checking ($200 bonus) |
How To Earn Bonus
- You can earn up to $400 bonus:
- To earn a $300 bonus, open your first new personal checking account 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.
- To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 12/28/2023 and 4/11/2024 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. Your new account must have a balance greater than zero and remain open and active 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. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle, CashApp, Venmo or PayPal. 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 personal 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.
Citizens Bank $250 Checking Bonus
This is the exact checking bonus as above, but way less bonus money. We do not recommend this bonus.
- What you’ll get: $250 bonus
- Account Type: Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Soft pull (as long you opt out of over draft protection)
- ChexSystem: Mixed data points
- Credit Card Funding: None
- Monthly Fees: $5-25; waivable
- Early Account Termination Fee: None
- Household Limit: None
(Expires 04/11/2024)
BMO Relationship Checking ($400 Bonus) | U.S. Bank Smartly® Checking ($400 bonus) |
Chase Private Client ($3,000 Bonus) | KeyBank Checking ($200 bonus) |
TD Bank Beyond Checking ($300 Bonus) | Fifth Third Bank Preferred Checking ($325 bonus) |
How To Earn Bonus
- Citizens Bank is offering a checking bonus of up to $250.
- Open a new qualifying checking account. Set up and receive at least one single direct deposit of $500 or more within 60 days of account opening. Account must be opened via the offer page to qualify for bonus.
- To earn a $250 bonus, open your first new personal checking account between 12/28/2023 and 4/11/2024 and have at least one single direct deposit of $500 or more post to 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.
- Your new account must have a balance greater than zero and remain open and active 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.
- Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle, CashApp, Venmo or PayPal.
- 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.
- 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.
Citizens Bank $300 Savings Bonus
- What you’ll get: $300 bonus
- Account Type: Citizens Quest Savings
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft pull (as long you opt out of over draft protection)
- ChexSystem: Mixed data points
- Credit Card Funding: None
- Monthly Fees: $0.00 with Citizens Quest Checking
- Early Account Termination Fee: None
- Household Limit: None
(Expires 04/16/2024)
Western Alliance Bank High-Yield Savings Premier (5.36% APY) | SoFi Checking & Savings ($325 Bonus + 4.60% APY) |
RBMAX High Yield Savings (5.20% APY) | Customers Bank High Yield Savings (5.26% APY) |
Ponce Bank Money Market (5.28% APY) | Harborstone Credit Union Money Market (5.25% APY) |
CloudBank 24/7 High Yield Savings (5.26% APY) | CIT Bank Platinum Savings (5.05% APY) |
How To Earn Bonus
- Get $300 when you open your first new personal Citizens Quest® Savings account between 3/26/24 and 4/16/24 and deposit a minimum of $15,000 not already on deposit with Citizens.
- To Earn Bonus: To earn a $300 bonus, open your first new savings account between 3/26/24 and 4/16/24 and have a minimum of $15,000 not already on deposit with Citizens post within 10 days of account opening and remains on deposit until date stated in the table below. You must also have an existing Citizens Quest Checking account or open a new Citizens Quest Checking account between 3/26/24 and 4/16/24.
- Qualifications: Primary signer on the new savings account may not be or have been a signer on any Citizens personal savings account within the previous six months. Your new savings account and your new or existing checking account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
- Eligibility: Customer must open their first new 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. Only one savings account is eligible for a bonus. Offers may be withdrawn without notice and cannot be combined with any other savings offer. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $500 Business Checking Bonus *Expired*
- What you’ll get: $500 bonus
- Account Type: Business Checking account
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- Direct Deposit Requirement: No
- Credit Inquiry: Soft pull (as long you opt out of over draft protection)
- ChexSystem: Mixed data points
- Credit Card Funding: None
- Monthly Fees: $0-25; waivable
- Early Account Termination Fee: None listed
- Household Limit: None listed
(Expires 05/15/2023)
Editor’s Note: Here’s another link showing the $500 promotion.
Chase Business Checking ($400 Bonus) | Bank of America Business Checking ($200 bonus offer) |
U.S. Bank Business Checking ($350 or $800 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
Huntington Unlimited Business Checking ($400 Bonus) | Huntington Business Checking 100 ($200 Bonus) |
How To Earn Bonus
- To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account and make five qualifying transactions in the two months.
- To earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account and make five qualifying transactions in the two months.
- To Earn Bonus: To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below OR to earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below.
- Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app; payments made by check or Online Bill Pay; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites.
- Transfers between other Citizens accounts do not qualify.
- Qualifications: Primary signer on the new business checking account may not be or have been a signer on any Citizens business checking account within the previous six months.
- Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
- Eligibility: Retain this flyer for your 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 business checking offer.
- Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new business 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
- 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
- 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: $20 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!
Citizens Bank has a decent rate of 4.5% APY with their High Yield Savings account, however you can get some higher rates from 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!
*Check back for updated Citizens Bank promotions, bonuses, and offers.
Cyberdem says
Promo code is not working, It says offer is not found
Erica Overby says
Send any money that will help er now
Berni says
I’ve done the $600 promo, twice, and my spouse the more recent $400 promo and had no issues at all receiving the bonuses.
S says
Stay away from this bank, it’s full of scam. I just got my bonus only after sending emails to its CEO and calling them countless times. I took a screen shot of this offer (including fine prints) and also confirmed all the conditions over the phone before I deposited my money. However, they did not deposit the bonus by the date they said they would, so I called. They gave different excuses, like I had to give a promo code over the phone (which was not required in any of their find prints), and the direct deposit had to be one time $500+, which I made sure was not the case when I was talking to a rep on the phone. Banks are required to keep phone record with customers by the law.
So if you want to apply for this promo, be prepared: take a screenshot of their offer, including fine prints, and call them to clarify anything that’s not clear. Write down the date of the phone call and what you clarified. If they don’t pay out the bonus by the promised date, there are gov agencies you can report banks to, and they will investigate this bank if we report what happened. Reading comments here, I just can not believe this bank has tried to scam people for years with same tricks. They recently went public if I remember it correctly. Good luck with this poor reputation. I’ll never invest in cheaters, for one thing.
christina ferguson says
who in the hell is this about and whats going on. be straight forward and honest with me
Richard says
I reported citizens to the consumer financial protection bureau several years ago when they refused my bonus. Did the same as you and spoke to the CEO. Still refused. They only give the bonus with a promo code or if they mail you and offer. Otherwise you will be very lucky to get a bonus from them.