Citibank bonus: $325
Citi pays $325 when you open a new Regular Checking account and receive at least two direct deposits totaling $3,000 or more within 90 days. The bonus posts between day 90 and day 120 after opening. You must open the account by October 26, 2026.
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Open Citibank offerKey terms
| Bonus | $325 |
|---|---|
| Requirement | $3,000 deposit |
| Direct deposit required | Yes |
| Payout timing | 120 days |
| Eligible states | All US states |
| Expires | No stated end date |
Last verified: October 2026
Steps
- Open a new Citi Regular Checking account through this link: https://banking.citi.com/cbol/OM/checking/enhanced-direct-deposit-offer/default.htm?flowID=MGM&venue=mgm&mgmrefid=1146914511&BT_TX=1&ProspectID=272916C0AC584447BDA027BC1049C85E&TID=154600.
- Send yourself at least two different Zelle payments totaling $3,000 or more. You can enroll two different email addresses/bank accounts into Zelle and can send money between the two. Or, receive at least 2 direct deposits into the checking account within 90 days of opening, totaling $3,000 or more.
- A few days after your Zelle payments or direct deposits arrive, check the bonus progress tracker in your Citi account. You'll know you're on track when you see something like this:
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- Citi pays the $325 bonus into your checking account between day 90 and day 120 after account opening, as long as the account stays open and in good standing.
- Note: The account has a $15 monthly service fee. It is waived in any month the account receives $250 or more in Zelle payments or direct deposits.
FAQ
Is direct deposit required?
No. Their terms & conditions specify that sending a Zelle to yourself counts as an enhanced direct deposit (EDD).
How long until the bonus posts?
Between the 90th and 120th day after you open the account, as long as it stays open and in good standing.
Is there a monthly fee?
Yes, $15 a month. Citi waives it in any month the account gets $250 or more in direct deposits.
Who is eligible?
New Citi checking customers who apply from the offer page.
When does the offer end?
You must open the account by October 26, 2026.