Who qualifies for the Citizens Bank $400 bonus?

This bonus is available to new customers only, no account with Citizens Bank in past 6 months, residents of CT, DE, FL, MA, MD and 10 more states.

How long does it take to earn the Citizens Bank bonus?

You can complete the requirements in 150 days. After qualifying, the bonus is typically credited within 210 days. Total time from account opening to bonus: approximately 360 days.

What are the requirements for the Citizens Bank bonus?

Set up direct deposit of $500/month. Maintain minimum balance of $300.

Are there any fees for the Citizens Bank Citizens Checking and Savings Bundle?

Yes, be aware of: $9.99/month fee (waivable).

Is the Citizens Bank $400 bonus worth it?

The Citizens Bank bonus offers $400 in value. After accounting for potential fees, the net value is approximately $400. The requirements are more complex, so factor in the effort required.

BankOffers.app

CheckingModerate⏰ 8 days left

Citizens Bank $400 Bonus

Citizens Checking and Savings Bundle

Expires: January 18, 202615 states

Last verified: January 1, 2026View official bank terms →

Bonus Amount

$400

Apply Now

Direct Deposit

$500/month

Time to Qualify

90-150 days

Payout Time

120-210 days

💡 Quick Answers

Who qualifies?

New customers only. No Citizens Bank account in past 6 months. Available in 15 states.

Fastest way to earn

Complete requirements in 150 days. Bonus arrives within 210 days after qualifying.

Key requirements

• Direct deposit of $500/mo
• Maintain $300 balance

Fees & gotchas

• $9.99/mo fee (waivable)
• No early closure fee ✓

Is it worth it?

$400 bonus with no fees to worry about. Full bonus value! Moderate effort required—plan ahead for the requirements.

🧮 Calculate your personalized net value →

✅ How to Qualify

1Open first new personal checking account between 11/3/2025 and 1/18/2026
2Make single direct deposit of $500+ within 60 days for checking bonus
3Open first new personal savings account on same date as checking account
4Make monthly deposits of $100+ into savings for 3 consecutive months
5Maintain $300 balance in savings by end of third month

Bonus Tiers

Single direct deposit of $500+ within 60 days to new checking account$300

Monthly deposits of $100+ to savings for 3 months + $300 balance$100

📅 Timeline

Day 1

Open Account

Open a new Citizens Checking and Savings Bundle account

Day 1-60

Fund Account

Deposit $0 within 60 days

Within 150 days

Set Up Direct Deposit

$500/month direct deposit for 1 month

120-210 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$9.99 (waivable)

$9.99 for One Deposit Checking, $4.99 for One Deposit Savings

💡 This fee can be waived - check bank requirements

Early Closure Fee$0 ✓

⚠️ Things to Watch Out For

•New customers only - existing customers do not qualify
•Cannot have had account in past 6 months
•Promo code required at account opening
•Expires soon: 8 days left

❌ You Won't Qualify If...

•You currently have or previously had an account with this bank
•You had an account with this bank in the past 6 months
•You have any existing account with this bank
•You don't live in: CT, DE, FL, MA, MD, MI, NH, NJ, NY, OH...

📍 Available States

CTDEFLMAMDMINHNJNYOHPARIVTVADC

Citizens retail branches are listed in these states/DC in their locations directory (CT, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, DC).

Ready to Earn $400?

Click below to apply directly on Citizens Bank's website.

Apply for Citizens Bank Bonus

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BankOffers.app is not affiliated with Citizens Bank. Always verify offer details, terms, and conditions directly with the bank before applying. Bank bonuses are typically considered taxable income.