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This Offer Continues in 2024!

  • This offer is valid until 6/6/2024
  • 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 two bank bonuses right now. Widely considered among the best bank bonuses, these can earn you up to $400 by opening a new checking account 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 a new checking account and use your new debit card.
  • Requirements: You must be a new Citizens Bank customer and open a new checking account via the offer page.
    • To get $300: Receive a $500 direct deposit in the first 60 days of account opening.
    • To get $100: Make purchases with your account’s new debit card and get $2 per transaction, up to $100 in the first 60 days.
  • 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 June 6, 2024.
  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 up to $100 extra when you use your new debit card. Every qualifying debit card transaction within 60 days earns $2, with the potential to earn up to $100 during the promotional period.

How to get your $100 bonus:

  1. Use the special offer page to open your new checking account with Citizens Bank before the expiration.
  2. Receive a direct deposit of at least $500 in the first 60 days.
  3. Use the debit card that comes with your new account and get $2 per transaction, up to $100, during the first 60 days of account opening.
  4. The bonus amount you qualify for can take up to four months to hit your account.
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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).

Account Opening Date Bonus Payout Date

March 2024

July 31, 2024

April 2024

August 31, 2024

May 2024

September 30, 2024

June 2024

October 31, 2024

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.

Account Minimum Opening Deposit Monthly Fee How to Waive Monthly Fee

Citizens Quest Checking



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

Citizens Private Client Checking


$0 but must 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




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.


  • 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.