Open a new Citibank Regular Checking account from Citi's offer page by October 26, 2026 (new checking customers only)
Receive at least 2 Enhanced Direct Deposits totaling $3,000 or more within 90 days of opening (payroll, pension, Social Security, government benefits — Zelle, Venmo and PayPal ACH transfers count too)
“Direct deposit” means payroll or benefits at most banks. Some count transfers from other banks; many don't. Split your paycheck in your employer's portal — most let you send a fixed amount to a second account.
Avoid the monthly fee from day one (direct deposit or minimum balance), or it eats the bonus.
Keep the account open for at least six months. Early closure usually means the bank takes the bonus back.
Bonuses are taxable — expect a 1099-INT.
“New customer” usually means no account of that type in the last 12–24 months; the terms on the bank's page say exactly how long.
Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.
