Jessie Moore has been writing professionally for nearly two decades; for the past seven years, she's focused on writing, ghostwriting, and editing in the finance space. She is a Today Show and Publisher's Weekly-featured author who has written or ghostwritten 10+ books on a wide variety of topics, ranging from day trading to unicorns to plant care.
Looking to open a new bank account? Don’t settle for any account — look for the best bonuses!
Right now, there are several Citizens Bank promotions on offer, ranging from $150 to $500. If you want to snag a Citizens Bank bonus, all you have to do is open an account and meet the specified deposit or spending requirements.
We’ve dug deep to find all the details and requirements for each Citizens Bank offer, including how to earn each bonus, the Citizens Bank promo code (if applicable), minimum deposits, and more.
Here are the top Citizens Bank promotions available right now:
Summary: Citizens Bank Sign Up Bonus Offers
Account | Bonus | Minimum |
Citizens Bank Personal Checking | $400 | $500 + 50 debit card purchases |
Citizens Bank Clearly Better Business Checking | $200 | $2,000 |
Citizens Bank Business Advisor Checking | $500 | $5,000 |
Citizens Bank 14-Month CD | 2.75% APR | $1,000 |
Citizens Cash Back Plus Card | $150 | $500 |
1. Citizens Bank Personal Checking – $400
Overall Rating: ⭐️⭐️⭐️⭐️
- Bonus: Up to $400
- Minimum deposit: $500
- Monthly fee: $0 – $25
- Expires: May 11, 2023
The Citizens Bank bonus for personal checking accounts can earn you up to $400 if you sign up for a qualifying account and meet both the deposit and debit card spending requirements.
There are five accounts to choose from:
- Citizens One Deposit Checking
- Citizens Quest Checking
- Citizens Wealth Checking
- Citizens EverValue Checking
- Citizens Student Checking
All of these accounts offer mobile banking with 24/7 access, fee-free ATMs in supported states, overdraft protection, contactless debit cards, and more.
Important Citizen Bank sign up bonus tip:
Most of these have a monthly fee ranging from $5 to $25. Fees can be waived by meeting minimum balance or direct deposit requirements. The Wealth and Student checking accounts don’t have a monthly maintenance fee.
To earn the Citizens Bank bonus, you need to:
- Open a new account and set up direct deposit.
- Deposit at least $500 in qualifying direct deposits within 60 days of account opening.
- Make at least 50 debit card purchases within 60 days.
- You must sign up using THIS LINK to qualify.
2. Citizens Bank Clearly Better Business Checking – $200
Overall Rating: ⭐️⭐️⭐️
- Bonus: $200
- Minimum deposit: $2,000
- Monthly fee: $0 – $25
- Expires: May 15, 2023
The Citizens Bank Clearly Better Business Checking account is offering a $200 sign up bonus if you meet the deposit and transaction requirements.
This is a fee-free checking account for small businesses that has plenty to offer:
- No minimum balance
- Overdraft protection
- Allows up to 200 check transactions per month
To earn this Citizen Bank sign up bonus, you need to:
- Open a new Clearly Better Business Checking in person at a Citizens Bank location.
- Deposit at least $2,000 by the end of the second month of account opening.
- Maintain that balance for two more months.
- Make at least 5 qualifying transactions in the same time period (deposits, bill pay, debit card).
3. Citizens Bank Business Advisor Checking – $500
Overall Rating: ⭐️⭐️⭐️⭐️
- Bonus: $500
- Minimum deposit: $5,000
- Monthly fee: $25
- Expires: May 15, 2023
You can get a $500 sign-up bonus when signing up for the Citizens Bank Business Advisor Checking account and meeting the deposit and transaction requirements.
This is an upgraded checking account that offers:
- Up to 500 check transactions per month
- Access to fee-free ATMs
- Mobile check deposit
Important Citizen Bank sign up bonus tip:
There is a $25 monthly fee for this account, but it can be waived by carrying a $10,000 minimum balance or $35,000 in combined balances with other Citizens accounts.
To earn this Citizens Bank bonus, you need to:
- Open a new Business Advisor Checking in person at a Citizens Bank location
- Deposit at least $5,000 by the end of the second month of account opening.
- Maintain that balance for two more months.
- Make at least 5 qualifying transactions in the same time period (deposits, bill pay, debit card).
4. Citizens Bank 14-Month CD – 2.75% APR
Overall Rating: ⭐️⭐️⭐️
- Bonus: 2.75% APR
- Minimum deposit: $1,000
- Monthly fee: $0
Citizens Bank is currently offering a 14-month CD with a 2.75% APR.
If you are in the market for a high-interest savings product, you might consider this account. There is no monthly fee for the CD account, and the minimum deposit starts at $1,000.
Important Citizen Bank sign up bonus tip:
Citizens Bank CDs are only offered in 15 different states, including CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT. CDs do have a penalty if you withdraw funds before the 14-month period has ended. The penalty costs you 180 days’ interest on the withdrawn amount plus a $50 transaction fee.
5. Citizens Cash Back Plus™ World Mastercard® – $150 bonus
Overall Rating: ⭐️⭐️⭐️
- Bonus: $150 cash back after spending $500 on purchases within 3 months
- Rewards: 1.8% cash back on all purchases
- Annual fee: $0
Citizens Bank has a cash-back credit card that offers a $150 sign up bonus after meeting the spending requirements. Here are some of its other selling points:
- No annual fees
- 1.8% cash back on all purchases
- Or, 1.9% cash back if you have a Citizens Quest® Checking account
To earn the Citizens Bank offer bonus, you need to:
- Spend at least $500 on the card within 3 months of account opening.
- The bonus will be applied after the terms of the offer are met.
- Bonus will be credited toward your “spend rewards,” and can be used for a statement credit, gift card purchases, or online shopping.
Final Word: Citizens Bank Bonus
Is it worth taking advantage of Citizens Bank promotions? For many people, yes.
You don’t have to spend a lot to earn the bonuses, and the requirements generally aren’t that hard to meet. For example, the personal checking account bonus only requires spending $500 and making frequent debit card transactions to earn $400, which is a fairly low spending amount for such a sizable bonus.
If you are in one of the 15 states that Citizens Bank supports (CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT), it may be worth opening an account there to earn some free cash. But if you want more selection and potentially even larger bonuses, you can check out the top bank account promotions available today.
FAQs:
What is the Citizens Bank Promo Code?
To access Citizens Bank promotions, you need to visit the specific offer page for each bonus. In some, but not all cases, there may be a Citizens Bank promo code.
Does Citizens Bank give bonuses?
Right now, there are several Citizens Bank promotions on offer, ranging from $150 to $500. Requirements vary depending on the account.
How long does it take to get Citizens Bank bonus?
Citizens Bank has different requirements for when bonuses are paid out. For their checking accounts (both business and personal), it may take up to two months to receive your bonus, even after you have met all the qualifications. Since you need to hold a minimum account balance for two months as well, it could be four months after you open the account to receive the bonus.
What is the $600 bank promotion?
At one time, Citizens Bank offered a $600 checking account bonus, but it has since expired. Currently, the largest personal checking account bonus is $400; the largest business checking account bonus is $500.
What bank has the best signing bonus?
There are a few banks that are offering a $2,000 bonus for signing up. Citibank, Chase, and Wells Fargo have premier accounts that offer bonuses of that size or larger, but they also require large deposits ($1 million or more) to qualify. The Citizens Bank $400 bonus with a $500 minimum deposit is one of the most accessible offers available right now.
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