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Checking account · Citi
Last verified June 16, 2026

Citi Regular Checking

The realistic offer is $325 for two or more direct deposits totaling $3,000 within 90 days on Citi Regular Checking — a single $3,000 deposit won't count, it has to be two qualifying deposits. Citi also advertises up to $1,500, but those tiers require parking $30,000 to $200,000 of new-to-Citi money, so for most people the direct-deposit path is the one that matters.

The deal

Open a new Citi Regular Checking account, enroll in the offer the same day, and receive two or more qualifying direct deposits totaling $3,000 or more within 90 days

The walkthrough

  1. 01 Open a new Citi Regular Checking account and enroll in the offer the SAME day (required — late enrollment forfeits it).
  2. 02 Set up direct deposit and receive two or more qualifying deposits totaling $3,000+ within 90 days.
  3. 03 Keep the account open and in good standing through payout (roughly day 90–120).
  4. 04 Maintain $250+ in monthly direct deposits to keep the $15 monthly fee waived.

What to watch for

  • ! A single $3,000 deposit does NOT qualify — you need at least two separate qualifying direct deposits.
  • ! $15 monthly service fee, waived only with $250+ in Enhanced Direct Deposits per month (no balance-only waiver).
  • ! The advertised up-to-$1,500 requires $30k–$200k of new-to-Citi money held ~90 days; existing Citi funds and P2P transfers don't count.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →