Citizens Bank Bonus: Earn Up to $400 for Opening a Checking Account

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Citizens Bank is offering two bank bonuses right now. Widely considered among the best bank bonuses, these can earn you up to $400 by opening new checking and savings accounts with Citizens Bank and meeting other requirements.

Here’s a quick look at the Citizens Bank bonus:

• Bonus offer: Get up to $400 when you open new checking and savings accounts with Citizens Bank and make qualifying deposits.
• Requirements: You must be a new Citizens Bank customer and open a new checking account and savings account via the offer page. Both accounts must be opened on the same day.
  • To get $300: Receive a $500 direct deposit in the first 60 days of account opening.
  • To get $100: Make deposits of $100 or more each month for the first three months after your savings account is opened.
• Who is eligible: People opening a new qualifying checking account who haven’t opened a Citizens Bank account in the last six months. Your new account must stay active and not have a $0 balance throughout the payout period.

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Citizens Bank New Checking Account Bonus: $300

New customers can earn a $300 bonus for opening a new Citizens Bank personal checking account. The bank has several checking account options, so there's likely one that fits your needs. (Some accounts may not be available in all zip codes.)

How to get your $300 bonus:

1. Open your first new checking account with Citizens Bank using the special offer page.
2. You need to open your account by March 13, 2025.
3. Receive a direct deposit of at least $500 in the first 60 days.
4. It can take up to four months to receive your $300 bonus once you meet requirements.

Citizens Bank $100 Bonus

You also have the opportunity to earn an additional $100 if you open a new personal savings account with Citizens Bank on the same day you open your new checking account.

How to get your $100 bonus:

1. Use the special offer page to open your new checking account and personal savings account with Citizens Bank before the expiration. It's important to open both accounts on the same date.
2. Make monthly deposits of $100 or more for 3 months in a row, starting the month after the accounts are opened.
3. If you've completed the above steps successfully, the $100 bonus will hit your account in the 4th month.

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Bonus Offer Eligibility and Exclusions

Whether you’re looking for a new bank account or are just a fan of deals, you need to know some other important details to earn these bonuses from Citizens Bank.

• First-time customers only: Current Citizens Bank checking and savings account holders aren’t eligible for these bonuses. Unfortunately, it’s for first-time customers only.
• Only available in certain states: Accounts are only available for individuals living in one of the 14 states with Citizens Bank branches. Use this bank branch locator to see if they have any locations near you.
• Must keep account open for four months: Deal seekers should note that you’ll need to keep your account open roughly four months before receiving your bonus payments. The date you receive your bank bonuses depends on when you open your account and meet all requirements. See the chart below for specific dates for bank bonus payments.

These bank bonuses are only available through this special bonus link from Citizens Bank.

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Bonus Payout Dates

Here are the estimated payout bonus dates once the account holder completes a single $500 direct deposit to the new checking account (within 60 days of account opening) and makes qualifying debit transactions (within 60 days of account opening).

Qualifying Citizens Bank Accounts

Now that you know about these valuable bank bonuses, here's a look at the accounts available through the bank. (Some accounts may not be available in all zip codes, however.)

Citizens Bank has five checking account options available right now.

All Citizens Bank checking accounts come with ATM cards and online and mobile banking access. Student Checking accounts also come with free checks. Customers are subject to a soft credit inquiry when applying for a Citizens Bank checking account. Soft credit inquiries do not negatively affect your credit score.

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Should You Apply for These Bank Bonuses?

Citizens Bank makes it easy to earn an extra $400 if you meet all of the requirements. If you’re looking for a new bank or want to earn some free money, why not try to collect these bank bonuses? When you’re trying to earn bank or other bonuses, it’s always a good idea to screenshot offer details for your records in case you might need to access them later.

FAQs

• How do I get my bonus from Citizens Bank?

  To get a bonus from Citizens Bank, open an eligible account and meet the bank's deposit guidelines and other requirements. Once you meet the required qualifying actions, your bonus or promotion may take up to four months to be deposited into your account, according to information on the bank's website. If you are beyond that threshold and have yet to receive your bonus, contact Citizens Bank customer service.

• How do I reach Citizens Bank customer service?

  You can reach Citizens Bank customer service 24/7 by phone at 1-800-922-9999. Alternatively, you can visit any Citizens Bank branch during normal business hours to speak with a customer service representative. 

• Is Citizens Bank FDIC insured?

  Yes, Citizens Bank is FDIC insured. As a FDIC member, your deposits and account balances are insured up to $250,000 per depositor.

• I have a Student Checking Account with Citizens Bank. How do I get my free checks?

  You can order your free checks either online, at a local branch or by phone at 1-866-322-1350. To order checks online, login to your account dashboard and navigate to the account services section. Alternatively, you can place an order directly through Citizens Bank’s preferred check provider, Deluxe, at no extra cost. Keep in mind, if you need to update an address or change your name, you’ll need to call Citizens Bank at 1-800-922-9999 to complete your order.