Citizens Bank Bonus: Earn Up to $400 for Opening Checking and Savings Accounts

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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 personal checking account via the offer page. Both accounts must be opened on the same day.
  • To get $300: Open your first new personal checking account amake a single direct deposit of $500 or more within 60 days of account opening.
  • To get $100: Open your first new personal savings account on the same date as you open your new personal checking account. Then make monthly deposits of $350 or more into the new savings account for 3 months in a row, starting the month after the accounts are opened.
• Who is eligible: People opening new qualifying checking and savings accounts 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.
  

Recommended Bank Bonuses

Bank Account	Intro Bonus	Minimum Deposit	Learn More
U.S. Bank Smartly® Checking Account (Member FDIC) Open Account	Up to $400Expires November 26, 2025 More Info Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through November 26, 2025. Member FDIC. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.	$25	Open Account
SoFi® Checking and Savings Open Account Member FDIC Member FDIC	$50-$300Expires January 31, 2026 More Info New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.	N/A	Open Account
CIT Bank Platinum Savings Account Open Account	Up to $300Expires December 21, 2025 More Info This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.	$100	Open Account
Key Smart Checking® Open Account	$300Expires December 19, 2025 More Info Earn $300 with qualifying activities until 12.19.25 with Key Smart Checking®. Geographic restrictions apply and account opening is subject to approval. Offer is available in these states: AK, CO, CT, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA	$10	Open Account

CIT Disclosures

For complete list of account details and fees, see our Personal Account disclosures.

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance.

*APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

How to Earn the $400 Citizens Bank Bonus

While overall, this isn't the trickiest bank bonus we've ever seen, it still requires a little more legwork than Citizens Bank bonuses have in the past. Here's what you need to know to earn the maximum bonus possible.

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 a new checking account with Citizens Bank using the special offer page.
2. You need to open your account by November 23, 2025.
3. Receive a direct deposit of at least $500 in the first 60 days.

Citizens Bank New Savings Account Bonus: $100

If you're looking to push your bonus a little higher, you can earn an additional $100 by opening a new personal savings account with Citizens Bank. However, be aware that this bonus is only available for people who also opened a new checking account; without both accounts, you will be inelligible for the savings bonus.

How to get your $100 savings bonus

1. The same day you open your new checking account with Citizens Bank, open a new personal savings account using the special offer page.
2. You need to open your account by November 23, 2025.
3. Make monthly deposits of $350 or more into the new savings account for 3 months in a row, starting the month after the accounts are opened.
4. Once you've completed the above requirements, your full bonus will be paid out at the end of the following month.

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 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 accounts open for four months: Deal seekers should note that you’ll need to keep your accounts 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 all requirements having been completed for both the checking and savings bonuses.

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.