Citibank Regular Checking bonus: $325 and what it takes
Live until
Checked against the bank's page on .
The offer in one paragraph
Citibank pays $325 when you open Citibank Regular Checking as a new customer. To earn it, receive $3,000 in direct deposits within 90 days. The account charges $15 a month, and the bank publishes ways to avoid the fee. Its terms name no state limit, and the bank decides at application. The bank shows October 26, 2026 as the last day.
Do not add these together
Cannot be combined with the Citibank Regular Checking offer for deposit and hold.
Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking.
How to earn it
- Open Citibank Regular Checking online or at a branch, as a new customer.
- Receive at least 2 direct deposits, totaling $3,000 or more, within 90 days.
- Keep the account open for at least 120 days.
- Wait for the bank to pay the bonus. Its terms say when it pays once you meet the requirements.
Day counts follow the bank's terms, which say when each period starts.
Payments that count differ by bank: what counts as a direct deposit.
When the bank pays. Citi pays between day 90 and day 120 after you open the account.
Enroll in the offer when you apply from the offer page; an account opened on citi.com any other way does not qualify. Then complete at least two enhanced direct deposits totaling $3,000 or more within 90 days.
Citi counts pay, pensions, Social Security and other payments over the ACH network, and also Zelle and person to person payments from services such as Venmo or PayPal when they arrive over ACH.
Keep the account open for 120 days. The $15 fee is waived in any month with $250 or more in enhanced direct deposits. Anyone who owned a Regular Checking or Access Checking account in the last 365 days is excluded, and an account takes one Citi checking offer, so this one and the balance offer do not combine.
The numbers
- Bonus
- $325
- Cash to park
- None
- Direct deposits
- $3,000 in totalWithin 90 days.
- Annual rate
- None: no cash to parkThe rate measures the bonus against cash you park. This tier asks for none.
- Monthly fee
- $15 a monthWays to avoid it that the bank publishes include $250 a month in direct deposits.
- Early closure
- The terms set an early closure period of 120 days. The bank's page says what applies.
- Tax form
- Form 1099-INTAs the terms name it.
Guides to these figures: how the annual rate is calculated, monthly fees and how to avoid them and early closure fees and clawbacks.
Worth it for you
Out of reach with these numbers. Needs $3,000 in direct deposits within 90 days, you entered no direct deposit.
Assumes a 4.00% savings rate on the parked cash and no tax figure. The bonus calculator takes your own rates and compares every live offer.
Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Who can get it
- For
- Personal accounts
- Customers
- New customers only
- Where
- No state limit in the termsThe bank decides at application
- Minimum age
- 18
Before you apply: how often you can earn a bonus from one bank and whether opening an account affects your credit.
Tier
| Bonus | What it takes | Cash to park | Annual rate | In words |
|---|---|---|---|---|
| $325 | Direct deposit: $3,000 in direct deposits | None | no cash to park | Open a new Regular Checking account through the offer page by October 26, 2026 and complete at least two Enhanced Direct Deposits totaling $3,000 or more within 90 calendar days; keep the account open 120 days. |
Source
Checked against the bank's own page on .
Read the offer on Citibank's page (opens in a new tab)
Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking.
Pages we read
- Offer page on banking.citi.com, read
- Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
- Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Are bank bonuses taxable has the detail.
- Bonus Tally is an information service, not a bank or a financial adviser. Nothing here is financial, tax or legal advice.
The verification log lists every offer with its source, and the methodology gives every formula.
Other bonuses from Citibank
Citibank and all its offers| Bank and account | Bonus | What it takes | Cash to park | Annual rate | Checked |
|---|---|---|---|---|---|
| Citibank Regular CheckingCannot be combined with the Citibank Regular Checking offer for direct deposit | Bonusup to $1,500 | What it takesDeposit and hold$200,000 | Cash to park$200,000 | Annual rate6.08% | Checked |
Similar bonuses
Every live bonusLive personal offers from other banks, closest in size to this one, largest first.
| Bank and account | Bonus | What it takes | Cash to park | Annual rate | Checked |
|---|---|---|---|---|---|
| Bank of America Advantage Banking (SafeBalance, Plus or Relationship) | Bonusup to $500 | What it takesDirect deposit$10,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
| U.S. Bank Smartly Checking | Bonusup to $450 | What it takesDirect deposit$8,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
| Capital One 360 CheckingCannot be combined with the 360 Checking offer for debit purchases | Bonus$250 | What it takesDirect deposit$1,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
| Capital One 360 CheckingCannot be combined with the 360 Checking offer for direct deposit | Bonus$250 | What it takesDebit purchases | Cash to parkNone | Annual rateno cash to park | Checked |