Find current Citizens Bank promotions, bonuses, and offers here.
Currently, they have a $400 bonus when you open a new checking account and meet certain requirements.
Table of Contents
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+
- 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 for One Deposit Checking. Waive with one deposit each statement period
- Early Account Termination Fee: None
- Household Limit: None
- Citizens Bank $400 Checking Bonus PDF
(Expires September 29, 2022)
You can compare this to several great entry level Checking accounts with bonus offers include the Citi Priority Account (Up to $2000 Cash Bonus), BMO Harris Smart Money™ Account ($300 bonus), U.S. Bank Easy Checking ($400 bonus), Fifth Third Momentum® Checking ($375 bonus), Chase Total Checking® ($200 bonus), and SoFi Checking and Savings ($300 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.
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens Bank personal checking account within the previous six months.
- The new account 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 Bank 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.
- Only one debit card per checking account eligible for bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
- Eligibility: Customer must open their first new checking account via Citizens Bank’s 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.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Citizens Bank $150 Direct Deposit Bonus *Expired*

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. This is a targeted offer.
- 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.
- Expiration: 5/31/2022
For more advanced features in a checking account, compare this offer to Citigold® Checking Account (Up to $2000 Cash Bonus), U.S. Bank Platinum Checking ($400 Bonus), Huntington Platinum Perks CheckingSM ($300 Bonus), BMO Harris PremierTM Account ($500 Bonus), Fifth Third Preferred Checking ($375 Bonus), and TD Bank Beyond Checking ($300 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 $600 Checking Savings Bonus *Expired*

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)
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: $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!
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!
*Check back for updated Citizens Bank promotions, bonuses, and offers.

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