Get $325 when you open a new Citi Regular Checking account and complete two direct deposits totaling $3,000+ within 90 days.
You're scrolling through your banking app, frustrated by another month of $12 maintenance fees eating into your balance. Meanwhile, Citibank wants to pay you $325 to switch — if you can move $3,000 in direct deposits within 90 days.
Citi's Regular Checking bonus pays $325 cash when you:
The math: $325 bonus ÷ $3,000 required deposits = 10.8% return on your money.
Citi defines Enhanced Direct Deposits (marketing speak for "qualifying deposits") as ACH transfers from:
Transfers between your own accounts or wire transfers don't count toward the $3,000 requirement.
Regular Checking charges $15/month unless you maintain:
For someone depositing a $2,000 monthly paycheck, you'd easily avoid the fee. Miss the requirement? That's $180/year in fees.
What the marketing doesn't tell you: The $3,000 deposit requirement for the bonus is separate from the ongoing $250/month needed to waive fees. You could deposit $3,000 in month one for the bonus, then need just $250/month afterward — but many assume they need $3,000 monthly.
Citi's checking bonuses have ranged from $200-$500 over the past three years:
Today's offer requires $3,000 in deposits for $325 — middle of the pack for effort versus reward.
Good fit if you:
Skip if you:
This article provides information about bank account bonuses. Banking relationships involve various fees and requirements. Consider your financial situation before opening new accounts.