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Checking account · Citi
Last verified November 4, 2026

Citi Regular Checking

The realistic offer is $325 for two or more direct deposits or other qualifying transactions 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 by 2027-01-11, enroll in the offer the same day, and complete at least two direct deposits or other qualifying transactions 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 ($1,000+ from January 2027) 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 with $250+ a month in direct deposits or other qualifying transactions ($1,000+ from January 1, 2027) or with a Citi Relationship Tier.
  • ! 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.
  • ! Citi renewed the offer through January 11, 2027 (open the account by then); terms may change after that.
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 →