Citizens Bank is offering an opportunity at not one, but two bonuses right now. Widely considered among the best bank bonuses, this opportunity can earn you up to $400 by opening a new checking account with Citizens Bank and other requirements. Read on to learn more about what you need to do to earn these bank bonuses, who qualifies for them and what kind of bank accounts you’ll find at Citizens Bank.
Summary: This offer has returned, and is now valid until 1/20/2023.
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>>Bank Bonus Guide: How to Earn $2,000 Per Year in Bank Bonuses
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Citizens Bank New Checking Account Bonus: $300
Individuals can now earn a $300 bonus for opening a new personal checking account through Citizens Bank. The bank currently has four checking account options, so there is likely one that fits your short or long-term banking needs.
The other requirement to receive the $300 bank bonus is that you make a single direct deposit of $500 or more within 60 days of account opening. The bonus is available to accounts opened between October 6, 2022 and January 20, 2023.
Citizens Bank $100 Bonus
Individuals also have the opportunity to earn up to $100 extra when they use their newly issued debit card. Every qualifying debit card transaction within 60 days earns $2, with the potential to earn up to $100 during the promotional period.
The Fine Print On Citizens Bank’s $400 Bonus Offer
Whether you’re looking for a new bank account or just a fan of deals, you need to know some other important details to earn these bonuses from Citizens Bank.
Eligibility
First, Current Citizens Bank checking and savings account holders aren’t eligible for these bonuses. Unfortunately, it’s for first-time customers only. Accounts are only available for individuals living in one of the 13 states with Citizens Bank branches. Use this bank branch locator to see if they have any locations near you.
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.
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).
| Account Opening Date: October 2022 Bonus Payout Date: February 28, 2023 |
| Account Opening Date: November 2022 Bonus Payout Date: March 31, 2023 |
| Account Opening Date: December 2022 Bonus Payout Date: April 30, 2023 |
| Account Opening Date: January 2023 Bonus Payout Date: May 31, 2023 |
These bank bonuses are only available through this special bonus link from Citizens Bank.
Qualifying Citizens Bank Accounts
Now that you know about these valuable bank bonuses, what accounts can you open at Citizens Bank? Here’s a look at checking and savings accounts available through the bank right now.
Checking Accounts
Citizens Bank has four checking account options available right now. Here’s a breakdown of the details for each of its checking accounts.
| Account: Citizens Quest Checking Minimum Opening Deposit: $0 Monthly Fee: $25 How To Waive Monthly Fee: $25,000 combined balances in deposit and investment accounts, OR $5,000 total deposits to primary checking each statement period. |
| Account: Citizens Wealth Checking Minimum Opening Deposit: $0 Monthly Fee: $0, but only available to clients who maintain $200,000 combined balances in deposit and investment accounts. How To Waive Monthly Fee: N/A |
| Account: One Deposit Checking Minimum Opening Deposit: $0 Monthly Fee: $9.99 How To Waive Monthly Fee: Make one deposit (any amount) per statement period |
| Account: Student Checking Minimum Opening Deposit: $0 Monthly Fee: $0 How To Waive Monthly Fee: N/A |
Student Checking accounts also come with free checks. All Citizens Bank checking accounts come with ATM cards and online and mobile banking access.
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.
Should You Apply For These Bank Bonuses?
Citizens Bank makes it easy to earn an extra $400 if you meet all of the deal 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.
Frequently Asked Questions
Once you meet the required qualifying actions, your bonus or promotion will typically be deposited directly into your account within 90 days. If you are beyond the 90-day threshold and have yet to receive your bonus, contact 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.
Yes, Citizens Bank is FDIC insured. As a FDIC member, your deposits and account balances are insured up to $250,000 per depositor.
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
