Citi checking bonus: copy the terms before you rely on $325

Open on Citi's official offer page, and copy the terms it shows you on the day you apply. How this offer compares: bank bonus statistics. Last reviewed 27 October 2026: we re-read the offer page in a browser that day, and Citi has renewed the $325 bonus with an Offer Period of October 27, 2026 to January 11, 2027. ¹ The old enhanced-direct-deposit-offer link now redirects to the direct-deposit-offer page, and Citi also points enrollment to citi.com/getchecking2. ¹ The page builds its terms with JavaScript, which is why we read it in a browser. The lines below are Citi's own, and each is cited to that page.

The offer

Citi offers a $325 bonus for a new Citi Regular Checking account. ¹ The Offer Period is October 27, 2026 to January 11, 2027, and you must open the account and enroll in the offer at the same time. ¹ The previous window, 4/14/26 to 10/26/26, has ended, so a copy saved from that page is no longer the offer. ¹ You must be 18 or older. ¹ You are not eligible if you owned a Citibank consumer checking account in the last 365 days. ¹ Access Checking, Citi Global Wealth at Work and Citi Private Bank accounts are not eligible. ¹ You can receive only one new-to-Citi checking offer bonus, and if offers overlap, Citi pays the highest one. ¹

What you must deposit

Check these requirements on Citi's official offer page before you open the account. Complete two or more Direct Deposits or other qualifying ACH transactions into the new Regular Checking account within 90 calendar days of the Open Date. ¹ Together they must total at least $3,000. ¹ The page notes that the bonus test differs from the deposit amount that waives the monthly fee. ¹ A deposit that waives the fee does not, by that fact, count toward the $3,000. ¹

What counts as a qualifying deposit

Citi counts ACH credits posted to the account: payroll, pension and government payments. ¹ Other qualifying transactions are money received through the ACH network, including other ACH transfers and payments from another financial institution. ¹ Zelle, Venmo and PayPal payments count when they are processed as ACH transfers. ¹ Mobile check deposits, funds deposited at a branch or ATM, wire transfers, and transfers from one Citibank account to another are excluded. ¹ Transfers from other banks or payment apps that do not go through the ACH network are excluded too. ¹ Citi notes that it may call these Direct Deposits and other qualifying transactions Enhanced Direct Deposit. ¹ What counts as a direct deposit shows why this is the line people skip, because two banks can use similar words and exclude different credits.

When Citi pays, and the fee

Citi pays the bonus to your open Regular Checking account between the 90th and 120th calendar day after the Open Date. ¹ The Monthly Service Fee is $15, waived for customers in Relationship Tiers or with $250 or more in Direct Deposits or other qualifying transactions. ¹ Starting January 1, 2027, the waiver needs a Relationship Tier or $1,000 or more in Direct Deposits or other qualifying transactions. ¹ The page also says accounts that maintain a zero balance for 90 calendar days are subject to closure at Citibank's sole discretion. ¹ Whether you can close the account once the credit posts, and in what order to check, is in closing a bank account after the bonus. If your offer or fee schedule prints a stay-open period after opening, what is a clawback window shows how to date the first safe day from that number. The rendered offer text does not name a tax form for the bonus. Do you pay taxes on bank bonuses explains how banks usually report one.

What not to paste in

Do not paste a deposit threshold from a 2022 or 2023 Citi PDF into a 2026 application. Those files describe offer periods that have ended, and so does a copy of the 4/14/26 to 10/26/26 offer. Do not paste another bank's deposit threshold into a Citi row in the bank bonus tracker. A tracker filled with another bank's number will mark you qualified on a test Citi never wrote. If the bonus later fails, the checklist in why the bonus has not posted starts from the offer you saved, not from a guessed window.

Save a dated copy

Save a PDF of the offer page with the date before you apply. Track the Open Date, because the 90-day window and the 90th-to-120th-day payout both count from it. Price what the terms require with the ROI calculator, using Citi's own days and fee.

If you are reading this after 11 January 2027

The offer page we read on 27 October 2026 lists October 27, 2026 to January 11, 2027 as the Offer Period. ¹ If you are reading this after 11 January 2027, check Citi's current offer page. The checklist on this page still applies to whatever those lines say.

Review log

• 27 October 2026: re-read the offer page in a browser; the old link redirects to a renewed $325 offer with an Offer Period of October 27, 2026 to January 11, 2027, the deposit test is worded as Direct Deposits or other qualifying ACH transactions, and the page adds the 365-day eligibility rule and the $1,000 fee waiver from 1/1/27. ¹
• 7 October 2026: re-read the offer page; it showed the $325 bonus and the 4/14/26 to 10/26/26 window. ¹