Find current Citizens Bank promotions, bonuses, and offers here.
Update 4/16/25: The $500 savings bonus is back through 4/26/25 – there’s also a $400 checking bonus good through 7/3/25.
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 (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 07/03/2025)
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.
**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.
| BMO Smart Money Checking ($400 cash bonus) | BMO Smart Advantage Checking ($400 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To earn a $400 bonus:
- Open your first new personal checking account between 3/24/2025 and 7/3/2025 and
- Have at least one single direct deposit of $1000 or more post to your new checking account within 60 days of account opening.
- To Earn Bonus: To earn a $400 bonus, open your first new personal checking account between 3/24/2025 and 7/3/2025 and have at least one single direct deposit of $1000 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 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 $500 Savings Bonus *No Direct Deposit Requirement*
- What you’ll get: $250 or $500 bonus
- Account Type: 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 or $4.99 monthly maintenance fee with theOne Deposit Savings from Citizens. Make at least one deposit of any amount each monthly maintenance fee period to waive the fee.
- Early Account Termination Fee: None
- Household Limit: None
(Expires 04/26/2025)
| AlumniFi Credit Union Savings (4.75% APY) | SoFi Checking & Savings ($325 Bonus + 3.80% APY) |
| Upgrade Premier Savings (4.15% APY) | Discover® Bank Savings (Up to $200 Bonus + 3.70% APY) |
| CIT Bank Platinum Savings ($225 or $300 Bonus + 4.10% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| FVCbank Advantage Direct Savings (4.55% APY) | Live Oak Bank Savings ($300 Bonus + 4.20% APY) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- You must have a personal Citizens Checking Account to receive the cash bonus.
- Get $250 when you make one single deposit of at least $10,000 in new money to your personal Citizens Savings account and maintain the savings balance through July 28, 2025. OR
- Get $500 when you make one single deposit of at least $25,000 or more in new money to your personal Citizens Savings account and maintain the savings balance through July 28, 2025.
- To Earn Bonus: You must, 1) have an existing or open a new personal Citizens checking account between 4/11/25 and 4/26/25 and, 2) have an existing or open a new personal Citizens savings account between 4/11/25 and 4/26/25 and, 3) have one single deposit of at least $10,000/$25,000 or more in new money post into one personal Citizens savings account by 4/30/25 and, 4) your savings balance as of the end of the day prior to the qualifying single deposit plus qualifying single deposit ($10,000/$25,000) must be maintained through 7/28/25. The qualifying deposit of $10,000.00-$24,999.99 is eligible for a $250 bonus, or qualifying deposit of $25,000.00 or more is eligible for a $500 bonus. If the qualifying deposit at the end of the retention period drops into the lower tier, you will be eligible for the lower bonus.
- Qualifications: New money is external funds that are not currently on deposit with Citizens or Citizens Access. The participating personal Citizens savings account must remain open and active AND the participating personal Citizens 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: Only one personal Citizens savings account is eligible for a bonus and only one customer on the savings account is eligible for a bonus. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to your personal Citizens checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your personal Citizens checking account is closed prior to payout date stated in the table below, then your personal Citizens savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $700 Checking & Savings Bonus (Expired)
- What you’ll get: $700 bonus
- Account Type: Checking & Savings 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 09/07/2024)
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.
**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.
| BMO Smart Money Checking ($400 cash bonus) | BMO Smart Advantage Checking ($400 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- How to get up to $700:
- $100 bonus: Open your first new personal checking account and set up and make at least one single direct deposit of $500 or more within 60 days of account opening
- Second, open a first new personal savings account on the same day as the first new checking account and deposit money (not currently on deposit with Citizens) within 10 days of account opening. Funds must remain on deposit until 12/31/2024.
- $200 bonus: make a single or multiple deposits totaling $5,000
- $400 bonus: make a single or multiple deposits totaling $10,000
- $600 bonus: make a single or multiple deposits totaling $15,000
- To Earn Bonus: To earn a $100 Checking bonus, open your first new personal checking account between 8/30/24 and 9/7/24 and have at least one single direct deposit of $500 or more post into your new checking account within 60 days of account opening. To earn a Savings bonus, open your first new personal savings account on the same date as the above new checking account (direct deposit not required) and have the required minimum total deposit (with money not currently on deposit with Citizens) post into your new savings account within 10 days of account opening and remains on deposit until date stated in the table below. Deposits between $5,000.00-$9,999.99 will receive a $200 bonus, or deposits between $10,000.00-$14,999.99 will receive a $400 bonus, or deposits equaling $15,000 or more will receive a $600 bonus. To earn the total bonus up to $700, you must qualify for both the Checking and one of the Savings bonuses noted above.
- 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. Your new account(s) 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 will only be paid a one-time bonus for this program. Only one checking account and one savings account are eligible for a bonus. 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”. If your new 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 $250 Checking Bonus (Expired)
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 08/01/2024)
| BMO Smart Money Checking ($400 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To earn a $250 bonus, open your first new personal checking account, excluding Citizens Private Bank Checking, between 4/18/2024 and 8/1/2024 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 Bonus: To earn a $250 bonus, open your first new personal checking account, excluding Citizens Private Bank™ Checking, between 4/18/2024 and 8/1/2024 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 $250 Business Checking Bonus (Expired)
- What you’ll get: $250 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 07/20/2024)
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 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) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To earn a $250 bonus:
- Open your first new Clearly Better Business Checking or Business Advisor Checking account between 5/20/24 and 7/20/24
- Have at least one single deposit of $2,000 or more post to the account
- Have five qualifying transactions post within the two months.
- Please enter Promo Code BZ250 at account opening to activate offer.
- To Earn Bonus: To earn a $250 bonus, open your first new Clearly Better Business Checking or Business Advisor Checking account between 5/20/24 and 7/20/24 and 2) have at least one single deposit of $2,000 or more 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 3) have five qualifying transactions post within 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: To ensure timely and accurate bonus fulfillment, customer must register for this offer by selecting the above ‘Open an Account’ button, inputting name and address, then inputting offer code BZ250 in the subsequent product selection screen. Retain this page 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.
Citizens Bank $300 Savings Bonus (Expired)
- 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)
| AlumniFi Credit Union Savings (4.75% APY) | SoFi Checking & Savings ($325 Bonus + 3.80% APY) |
| Upgrade Premier Savings (4.15% APY) | Discover® Bank Savings (Up to $200 Bonus + 3.70% APY) |
| CIT Bank Platinum Savings ($225 or $300 Bonus + 4.10% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| FVCbank Advantage Direct Savings (4.55% APY) | Live Oak Bank Savings ($300 Bonus + 4.20% APY) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
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.
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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, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back for updated Citizens Bank promotions, bonuses, and offers.
