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Citi is one of the largest banks in the U.S., and it offers a wide range of banking products, including checking accounts that sometimes feature bonus opportunities for new customers. Right now, you could earn up to $2,500 if you meet the requirements for opening an eligible bank account, from our partner Citi.

If you’re thinking about opening a new account, here’s what you need to know about some of its most valuable banking products.

Citi Checking Account Bonus Offers

Currently, Citi is offering a cash bonus through several of its checking account tiers, including Citigold. The bonus ranges from $500 to $2,500, depending on the balance you maintain in the account. Here is a look at the details of this Citi bank bonus offer:

Bonus amount: $500-$2,500

Offer expiration: July 8, 2024 

Offer requirements:

  • Open a new eligible account using the Citi link before the expiration date.
  • Deposit funds that are new to Citi within 20 days of opening your account. 
  • The balance in your account on the 20th day determines how much of a bonus you get.
  • Maintain the required balance for another 60 days from the 21st day of account opening.

Payout timeline: The cash bonus will be deposited into your account within 30 days after you’ve completed all the requirements.

Bonus tiers: Here is how much bonus cash you can earn based on the amount you deposit and maintain according to the offer requirements.

Citi Bank Bonus Tiers

Minimum Deposit Bonus Cash







Citi Checking Account Tiers Eligible for the Bonus Offer

Citi has four tiers that are eligible for the current bonus offer. Here is how they break down, including the minimum balance required for each tier.

Everyday Benefits

Everyday Benefits is Citi's lower tier but it covers what many, if not most, people need in a checking account, and there are two accounts to pick from.

Required average monthly balance: $0-$29,999.99

Qualifying checking accounts:

  • Access Checking
  • Regular Checking


  • Citi Mobile® App
  • Online banking tools 
  • More than 65,000 ATMs nationwide
  • Direct deposit, Zelle and other easy transfer options

Monthly service fee: 

  • $5 for Access Checking
  • $15 for Regular Checking
  • Waived for either with $250+ in monthly Enhanced Direct Deposits

ATM fees: 

  • $2.50 Non-Citi ATMs for Access Checking
  • Waived for Regular Checking if you have $250+ in monthly Enhanced Direct Deposits

Overdraft fee: $0

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Citi Priority

Citi Priority is the first tier that qualifies for relationship benefits, but you'll need to keep a higher minimum balance in the account, which won't work for some people. It does come with a few extra perks, however.

Required average monthly balance: $30,000-$199,999.99

Qualifying checking accounts:

  • Access Checking
  • Regular Checking


  • All the perks of Everyday Benefits Tier
  • Several waived fees
  • Financial planning guidance
  • Higher withdrawal and transaction limits

Monthly service fee: Waived for both accounts at this tier

ATM fees:

  • $2.50 Non-Citi ATMs for Access Checking
  • Waived for Regular Checking 


Citigold packages require a high monthly balance but provide more investment services and other perks for those who plan to keep a lot more money in their checking accounts.

Required average monthly balance: $200,000-$999,999.99

Qualifying checking accounts:

  • Access Checking
  • Regular Checking


  • All the perks of the Citi Priority tier
  • Unlimited fee reimbursement at Non-Citibank ATMs globally
  • Dedicated team for investment guidance 
  • Up to $200 annually in cash-back rebates

Monthly service fee: Waived for both accounts at this tier

ATM fees: Waived for both accounts at this tier

Overdraft fee: $0

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Citigold Private Client®

Citi's highest tier is designed for wealthy customers who can keep $1 million or more in their checking account. If that works for you, however, you'll have access to dedicated wealth management services and more.

Required average monthly balance: $1 million+


  • All the perks of the Citigold tier
  • Increased limits for mobile deposits, ATM withdrawals and more 
  • Advanced wealth planning and management
  • Up to $400 annually in cash-back rebates

Monthly service fee: Waived 

ATM fees: Waived

Overdraft fee: $0

Things to Know About Citi Bonus Offers

  • You need to use new funds: You’ll need to deposit a minimum balance into your new account and those funds need to be new to Citi, so you can’t just move them over from a different Citi account.
  • You may have to pay taxes: Bank bonuses are generally considered taxable income by the IRS, so you may receive a tax form from Citi and will likely need to count your bonus at tax time.
  • Not all locations are eligible: Citi checking account bonuses are available in most zip codes, but it’s always a good idea to check the fine print before you sign up to be sure you qualify for a bonus. 
  • Pay attention to the timeline: Banks usually have requirements about when you need to deposit funds and how long you need to keep it in the account to earn a bonus. Citi is no exception, so check if the timeline works for your finances before you commit.
  • Check eligibility requirements: Citi notes that opening an account doesn't automatically mean you meet eligibility requirements. Also be sure to check the minimum balance requirements for the account you want, as some can be quite high.

Compare Citi Credit Cards

Credit Card Intro Bonus Annual Fee Rewards Rate Learn More
Citi Double Cash

Citi Double Cash® Card

$200Cash Bonus More Info

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$0 2%Cashback More Info

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Citi Strata Premier℠ Card

70,000Citi ThankYou® Points More Info

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at Dollar Equivalent: $1,260 (70,000 Citi ThankYou® Points * 0.018 base)

$95 1X-10XPoints More Info

10x on Hotels, Car Rentals, and Attractions booked through 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases

Citi Custom Cash® Card

$200Cash Bonus More Info

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

$0 1% - 5%Cashback More Info

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Costco Anywhere Visa® Card by Citi

$0Cash Bonus $0 More info

Active Costco membership required

1% - 4%Cashback More Info

Earn 4% cash back on up to $7,000 in annual gas and EV charging purchases (and then 1% after), 3% back on restaurant and travel purchases, 2% back at Costco and and 1% everywhere else.

What Do I Need to Open a Citi Checking Account?

Whether you're opening a new account online or in a branch, you'll typically need the following information to open a Citi checking account:

  • Personal information, including an up-to-date phone number and mailing address, and Social Security number
  • Verification of employment status and income, such as a tax return, W-9 form or W-8BEN form
  • Valid identification, like a state ID, driver's license or military ID

Other Bank Bonuses to Consider

If you don't have the funds on hand to meet Citi's bonus requirements, you may want to consider one of these other new accounts with sign-up bonuses, or the following bank bonus offers.

Recommended Bank Bonuses

Bank Account Intro Bonus Minimum Deposit Learn More

U.S. Bank Smartly® Checking Account (Member FDIC)

Up to $700Expires June 27, 2024 More Info

Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.


SoFi Checking and Savings

$50-$300Expires December 31, 2024 More Info

New customers can earn a $300 bonus for opening a new SoFi Checking and Savings account and receiving a total of $5,000+ in qualifying direct deposits within the specified evaluation period; receive $1,000 - $4,999 in qualifying direct deposits to earn a $50 bonus.

Chase logo

Chase Total Checking® Account

$300Expires July 24, 2024 More Info

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities


Key Smart Checking®

$200Expires July 19, 2024 More Info

Earn $200 after qualified activities until 7/19/24 with the no-monthly-maintenance-fee 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


Chase Business Complete Checking®

$300Expires July 22, 2024 More Info

Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.


Bottom Line

The Citi bank bonus is one of the biggest bank account bonuses you can get. If you can meet the requirements to maximize the cash bonus, consider making the switch and start taking advantage of the benefits that Citi has to offer. Read the bonus fine print before applying so you don’t miss out on the money.


  • You can open an Access Checking or Regular Checking account to earn a Citi bank bonus. But you'll need to meet minimum balance requirements and keep funds in the account for a certain amount of time to qualify for the bonus.

  • Citi has four tiers for its checking accounts, and which one you are eligible for mostly depends on how much money you can keep in your account. Most people will qualify for the Everyday Benefits tier, which is the basic one. The other three tiers, including Citigold, require higher account balances, but they come with relationship benefits like access to financial advisors and more.

  • Once you are approved for your Citi sign-up bonus, it will be deposited into your checking account within 30 days after successful completion of required activities.

  • To open a Citi checking account, you will need your legal name, date of birth, residential address, citizenship status, country of residence, country of citizenship, government-issued identification (such as a driver's license or passport) and Social Security number (or individual taxpayer identification number for nonresidents). Two forms of identification are needed for nonresidents.


Ben Luthi

Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.