Most products on this page are from partners who may compensate us. This may influence which products we write about and where and how they appear on the page. However, opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain. This page may include information about American Express products currently unavailable on Slickdeals. American Express is not a partner of Slickdeals.

Article at a glance

This Offer Has Returned!

  • This offer is now valid until 7/6/2023.
  • Get $300 when you open a new personal checking account and make a direct deposit of $500 or more within 60 days.
  • Then, earn up to an additional $100 when you use your newly issued debit card to make purchases. Earn $2 for every qualified transaction within 60 days of opening your account.

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.

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 has several checking account options, so there is likely one that fits your short or long-term banking needs. (Some accounts may not be available in all zip codes.)

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 March 23, 2023, and July 6, 2023.

Citizens Bank $100 Bonus

People 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.

mobile banking Related Article

How I Earn $2,000 Per Year With Multiple Bank Account Bonuses

Read More

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.


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 14 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 Bonus Payout Date

March 2023

July 31, 2023

April 2023

August 31, 2023

May 2023

September 30, 2023

June 2023

October 31, 2023

July 2023

November 30, 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. (Some accounts may not be available in all zip codes, however.)

Checking Accounts

Citizens Bank has five checking account options available right now. Here’s a breakdown of the details for each of its checking accounts.

Minimum Opening Deposit Monthly Fee How To Waive Monthly Fee

Citizens Quest Checking



$25,000 combined balances in deposit and investment accounts, OR $5,000 total deposits to primary checking each statement period.

Citizens Private Client Checking


$0, but only available to clients who maintain $200,000 combined balances in deposit and investment accounts.


One Deposit Checking



Make one deposit (any amount) per statement period

Student Checking




Citizens EverValue Checking




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.

rolls of money and confetti Related Article

Best Bank Account Bonus Promotions in June 2023

Read More


  • 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.

  • 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.


Kevin Payne

Kevin Payne is a personal finance, credit card, and travel writer. He is the family travel and budget expert behind Kevin lives in Cleveland, Ohio, with his wife and four kids. His work has appeared on several websites, including FinanceBuzz, Credit Karma, Millennial Money, Club Thrifty, Student Loan Planner and Slickdeals.