Find an updated list of Citizens Bank promotions, bonuses, and offers here.
Currently, you can take advantage of their $400 bonus when you open a checking account and meet all the requirements.
Citizens Bank Bank Promotions Summary
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island, which operates in the states of Connecticut, Delaware, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, South Carolina, Pennsylvania, Rhode Island, and Vermont.
I’ll go over Citizens Bank promotions below.
Citizens Bank $400 Checking Bonus
Earn up to a $400 bonus when you open a checking and savings account and meet certain requirements.
- What you’ll get: $400 bonus
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Direct Deposit Requirements :Yes, $500+
- Credit Inquiry: Soft Pull, as long as you opt out of over draft protection.
- Monthly Fees: $9.99, avoidable
- Early Termination Fee: None listed, check with CSR for more information
- How to earn it:
- To earn a $300 bonus, open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
- To earn up to $100, earn $2 for every debit card purchase you make, up to $100 within the next 60 days.
(Expires 07/6/2023)
| Furthermore, I would compare this offer to Citi Priority Account (Up to $2,000 Cash Bonus), U.S. Bank Smartly® Checking (Up to $400 Bonus), Fifth Third Bank Momentum® Checking ($225 Bonus), SoFi Checking and Savings Account ($275 Bonus), Chase Total Checking ($200 Bonus). |
Fine Print
- To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 1/26/2023 to 5/11/2023 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening.
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card transactions from all cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
- Eligibility: Customer must open their first new personal checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. One debit card bonus per checking account. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes. We have multiple checking and savings options, for example if you open Citizens Quest® Checking: Minimum opening balance of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest Checking varies by tier. For example, as of 1/1/2023, APY by tier for Citizens Quest Checking is: 0.05% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening. Total monthly deposits into checking OR minimum balance requirements apply to waive the Citizens Quest Checking $25 monthly maintenance fee.
Citizens Bank $250 Checking Bonus
Earn a $250 bonus when you open a checking account and meet certain requirements.
- What you’ll get: $250 bonus
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
- Direct Deposit Requirements: Yes, $500+
- Credit Inquiry: Soft Pull, as long as you opt out of over draft protection.
- Monthly Fees: $9.99-$25, avoidable
- Early Termination Fee: None listed, check with CSR for more information
- How to earn it:
- To earn a $250 bonus, open your first new personal checking account between 12/1/2022 to 3/16/2023 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
(Expires 03/16/2023)
| Furthermore, I would compare this offer to Citi Priority Account (Up to $2,000 Cash Bonus), U.S. Bank Smartly® Checking (Up to $400 Bonus), Fifth Third Bank Momentum® Checking ($225 Bonus), SoFi Checking and Savings Account ($275 Bonus), Chase Total Checking ($200 Bonus). |
Fine Print
- Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months.
- The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below to qualify for this offer.
- Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income.
- Eligibility: Customer must open their first new checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page.
- Customer should print this screen for their records.
- Customer will only be paid a one-time bonus for this program.
- Offers may be withdrawn without notice and cannot be combined with any other checking offer.
- Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
- Bonus will be reported to the IRS for income tax purposes.
Citizens Bank $500 Business Checking Bonus (Targeted)
Earn a $500 bonus when you open a business checking account and meet certain requirements.
- What you’ll get: $500 bonus
- Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- Direct Deposit Requirements: No
- Credit Inquiry: Soft Pull, as long as you opt out of over draft protection.
- Monthly Fees: $0-$25, avoidable
- Early Termination Fee: None listed, check with CSR for more information
- How to earn it:
- To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account and make five qualifying transactions in the two months.
- To earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account and make five qualifying transactions in the two months.
(Expires 05/15/2023)
| Furthermore, I’d recommend checking out Chase Business Complete BankingSM ($300 or $500 Bonus), U.S. Bank Business Checking ($500 or $750 Bonus), Axos Bank Basic Business Checking ($100 Bonus), Huntington Unlimited Plus Business Checking ($1,000 Bonus), Huntington Unlimited Business Checking ($400 Bonus), as well as the Huntington Business Checking 100 ($200 Bonus). |
Fine Print
- To Earn Bonus: To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below OR to earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below.
- Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app; payments made by check or Online Bill Pay; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites.
- Transfers between other Citizens accounts do not qualify.
- Qualifications: Primary signer on the new business checking account may not be or have been a signer on any Citizens business checking account within the previous six months.
- Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
- Eligibility: Retain this flyer for your records.
- Customer will only be paid a one-time bonus for this program.
- Offers may be withdrawn without notice and cannot be combined with any other business checking offer.
- Offer eligibility is determined at Citizens’ sole discretion.
- Payout: Bonus will be deposited to the new business checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
- Bonus will be reported to the IRS for income tax purposes.
[Expired] Citizens Bank $1,000 Savings Bonus
Earn up to a $1,000 bonus when you open a checking and savings account and meet certain requirements.
- What you’ll get: $1,000 bonus
- Where it’s available: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- How to earn it:
- Open a CollegeSaver account before your child’s 12th birthday
- Save at least the monthly minimum amount every year. $25 if child is under 6 years of age at opening, $50 if child is 6 or older but under 12 years of age at opening.
- Receive a $1,000 bonus plus interest when your child turns 18
- When it expires: None
(Does Not Expire)
| Compare this offer to some of the higher end checking offers available such as Citigold® Checking Account (Up to $2,000 Cash Bonus), U.S. Bank Smartly® Checking (Up to $400 Bonus), Fifth Third Bank Preferred Checking ($225 Bonus), and TD Bank Beyond Checking ($300 Bonus). |
[Expired] Citizens Bank $600 Checking Bonus
Receive up to a $600 bonus when you open a checking and savings account and meet certain requirements.
- What you’ll get: $600 bonus
- Where it’s available: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- How to earn it:
- $300: Open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
- $200: Open your first new personal savings account with a minimum of $15,000 not currently on deposit with
Citizens and maintain that balance for 3 months. - $100: Get an additional $100 when you do both
- When it expires: 01/21/2021
(Expires January 21, 2021)
| Furthermore, I would compare this offer to Citi Priority Account (Up to $2,000 Cash Bonus), U.S. Bank Smartly® Checking (Up to $400 Bonus), Fifth Third Bank Momentum® Checking ($225 Bonus), SoFi Checking and Savings Account ($275 Bonus), Chase Total Checking ($200 Bonus). |
How To Avoid Monthly Fees
- One Deposit Checking: $9.99 monthly fee waived with one deposit each statement period
- EverValue Checking: $5 monthly fee
- Student Checking: No monthly fee if you’re under age 25
- Quest Checking: $25 monthly fee waived with one of the following:
- Make $5,000 in total deposits to your primary checking each statement period OR
- Maintain $25,000 in monthly combined deposits and investments
- Wealth Checking: No monthly fee when you maintain $200,000 in combined deposits and investments
- Clearly Better Business Checking: No monthly fee
- Business Advisor Checking: $25 monthly fee waived if:
- $10,000 average daily balance -OR-
- $35,000 monthly combined balance.
- Citizens Analysis Business Checking: $2o Monthly Maintenance Fee cannot be waived; however, the cost of this fee can be offset using an Earnings Credit.
Author’s Verdict
To summarize, Citizens Bank has some of the best promotions, bonuses, and offers. With great services in addition to their financial products, you can be sure your financial future is secure.
For more current offers, check out our bank bonuses page. Compare Citizens Bank rates for CDs and Savings with our best rates for Savings and CD accounts.
Be sure to check more popular bank promotions include Chase Bank, Bank of America, Citi, Discover Bank, CIT Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo and many more.
Check back often for more Citizens Bank Bonuses, Promotions, or Offers!
Editor Rating
I have been with Citizens Bank for 4 years .The customer service in this bank has exceeded my expectations. Manager helped me get organized in a way that has helped me grow my business. I recommend that any young entrepreneur or start up to get signed up with their business banking services as it can be difficult for an artist/creative person to get organized. I also have an account here and I am very satisfied with this bank.