Regular Checking

Checking

$325

Cash bonus

This offer has ended, so it's shown here for reference only. See current offers below.

How to earn it

All 2 are required

2 direct deposits within 90 days
Make at least 2 Enhanced Direct Deposits
Direct deposits · Within 90 days of account opening
Terms: “Complete at least 2 “Enhanced Direct Deposits” directly into your new Checking Account within 90 calendar days of opening”
$3,000 direct deposit within 90 days
Enhanced Direct Deposits totaling $3,000 or more
Direct deposit · Within 90 days of account opening
Terms: “must total $3,000 or more in “Available Now” funds within 90 calendar days of opening your Checking Account”

Who can get this bonus

1 per 12 months“Not available if you've owned a Citi Regular or Access Checking account in the last 365 days.”
New customers only“Only new checking customers qualify: not available if you've owned a Regular Checking or Access Checking account in the last 365 days.”

From Citi’s offer terms · checked Sep 25, 2026. Eligibility is the bank’s decision; confirm with it before you apply.

Fees and keeping the account open

Monthly fee: $15; Waived each month with $250+ in Enhanced Direct Deposits, or for customers in a Citi Relationship Tier.
Keep the account open: 120 days after account opening; Account must stay open and in good standing for 120 days from opening.
When the bonus posts: About 120 days after the requirements are met; Paid between the 90th and 120th calendar day after account opening.
Taxes: Usually reported on a 1099-INT (as interest).

Offer terms

Open a new Citi Regular Checking account from the offer page between Apr 14 and Oct 26, 2026 (enroll in the Enhanced Direct Deposit Checking Acquisition Offer). Only new checking customers qualify: not available if you've owned a Regular Checking or Access Checking account in the last 365 days. Make at least 2 Enhanced Direct Deposits totaling $3,000 or more into the new checking account within 90 calendar days of opening. Enhanced Direct Deposits are ACH payroll, pension, Social Security, government benefits and other payments, including ACH-delivered Zelle, Venmo or PayPal transfers; teller, cash, check, wire, transfers between Citi accounts, ATM and mobile deposits do not count, nor do instant transfers. Deposits to a savings account don't count. Bonus is paid between day 90 and 120; the account must stay open and in good standing for 120 days. Reported on Form 1099-INT. One checking offer per account opening. Access Checking, business, estate and retirement accounts don't qualify.