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.
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: $5-25; waivable
- Early Account Termination Fee: None
- Household Limit: None
(Expires 07/6/2023)
| You can compare this to several great entry level Checking accounts with offers include the BMO Harris Smart Money ($300 bonus), Bank of America ($100 bonus offer), U.S. Bank Smartly® Checking (Up to $400 bonus), Chase Total Checking® ($200 bonus), Fifth Third Bank Momentum® Checking ($225 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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 Bonus: To earn a $300 bonus, open your first new personal checking account between 3/23/2023 and 7/6/2023 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 $500 Business Checking Bonus (Targeted)
- 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.
| Compare to some of the best business checking accounts such as Chase Business Checking ($300 or $500 Bonus), U.S. Bank Business Checking ($500 or $750 Bonus), Live Oak Bank Business Savings ($300 Bonus), Axox Bank Basic Business Checking ($100 Bonus), Axos Bank Business Interest Checking ($100 Bonus), Huntington Unlimited Plus Business Checking ($1,000 Bonus), Huntington Unlimited Business Checking ($400 Bonus), as well as the Huntington Business Checking 100 ($200 Bonus). |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
Citizens Bank $250 Checking Bonus (Expired)
- 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: $9.99-$25; waivable
- Early Account Termination Fee: None
- Household Limit: None
(Expires 03/16/2023)
| You can compare this to several great entry level Checking accounts with offers include the BMO Harris Smart Money ($300 bonus), Bank of America ($100 bonus offer), U.S. Bank Smartly® Checking (Up to $400 bonus), Chase Total Checking® ($200 bonus), Fifth Third Bank Momentum® Checking ($225 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To earn a $250 bonus, open your first new personal checking account between 12/1/2022 to 3/16/2023 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.
- 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.
- 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 $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 BMO Harris PremierTM Account ($500 Bonus), U.S. Bank Smartly® Checking (Up to $400 bonus), Chase Private Client ($3,000 Bonus), TD Bank Beyond Checking ($300 Bonus), Fifth Third Bank Preferred Checking ($225 bonus), and Citigold® Checking Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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
HOW TO EARN BONUSFINE PRINT
- 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.
