Citizens Bank Bonus: Earn Up to $400 for Opening a Checking Account

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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.)

Recommended Bank Bonuses

Account	Intro Bonus	Min. Dep. Required to Open Account	Learn More
SoFi Checking and Savings Sponsored Open Account	$50-$250Expires December 31, 2024 More Info New customers can earn a $250 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.	N/A	Open Account
U.S. Bank Smartly® Checking Account (Member FDIC) Open Account	Up to $400Expires May 6, 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 May 6, 2025. 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.	$25	Open Account
BMO Smart Money Checking Account Open Account	$300Expires February 3, 2025 More Info $300 Cash Bonus when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. Conditions Apply. BMO Bank N.A. Member FDIC	$25	Open Account
BMO Smart Advantage Checking Open Account	$300Expires February 3, 2025 More Info $300 Cash Bonus when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. Conditions Apply. BMO Bank N.A. Member FDIC	$25	Open Account
Key Smart Checking® Open Account	$300Expires May 16, 2025 More Info Earn $300 after qualified activities until 05.16.25 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	$10	Open Account

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 May 18, 2023, and August 31, 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.

The Fine Print on Citizens Bank’s $400 Bonus Offer

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.

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 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).

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.

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.

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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.