Citibank vs E*TRADE: bank account bonuses compared
The live offers from both banks side by side: the bonus, what it takes, the fees and what each is worth after costs. Checked against the banks' own pages, most recently on October 6, 2026.
Updated
At a glance
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| As of October 9, 2026 | Citibank | E*TRADE |
|---|---|---|
| Live offers | 2 | 1 |
| Largest bonus | $1,500, Citibank Regular Checking | $800, E*TRADE Premium Savings Account |
| Best value after costs | $454, Citibank Regular Checking | $831, E*TRADE Premium Savings Account |
| Personal checking | $1,500, Citibank Regular Checking | None live |
| Savings | None live | $800, E*TRADE Premium Savings Account |
| Business | None live | None live |
| Without a direct deposit | 1 of 2 | 1 of 1 |
| Monthly fees on these accounts | $15 a month | None |
Largest bonus is the top tier as the bank states it. Value after costs follows the methodology. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Citibank bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Citibank Regular Checking (personal) | Up to $1,500 | $454 | Deposit and hold: $200,000 | Oct 26, 2026 (17 days left) | |
| Citibank Regular Checking (personal) | $325 | $325 | Direct deposit: $3,000 in direct deposits | Oct 26, 2026 (17 days left) |
Citibank and all its offers, including ended ones.
E*TRADE bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| E*TRADE Premium Savings Account (personal) | Up to $800 | $831 | Deposit and hold: $100,000 | Jan 10, 2027 (93 days left) |
E*TRADE and all its offers, including ended ones.
Citibank or E*TRADE: questions
Which pays a bigger bonus, Citibank or E*TRADE?
Citibank has the larger top bonus: $1,500 on Citibank Regular Checking, against $800 on E*TRADE Premium Savings Account. The largest bonus usually asks for the most cash or deposits.
Which bonus is worth more after costs, Citibank or E*TRADE?
Citibank's best is Citibank Regular Checking at $454. E*TRADE's best is E*TRADE Premium Savings Account at $831. Value after costs is the top tier's bonus less fees the requirement does not waive and what the cash would earn elsewhere at 4%. Your own figure depends on your cash and deposits: try the calculator.
Which has lower monthly fees, Citibank or E*TRADE?
On the accounts with a live bonus: Citibank $15 a month, E*TRADE none. Most fees can be avoided with a direct deposit or a balance; each offer page lists the waivers the bank publishes.
Can you get both the Citibank and the E*TRADE bonus?
The two banks run their offers separately, and each decides who qualifies under its own terms. Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT.