Breaking

ZeroFeed - Bank and Credit Card Exclusive offers
  • Home
  • Checking Bonus
  • Credit Cards
  • Travel Insurance
  • Home Insurance
  • Daily Deals
HomeChecking Bonus

$400 Checking Bonus: Citizens Bank

byZfwriter -May 20, 2025
0

Citizens Bank $400 Checking Bonus

Citizens Bank is currently offering a $400 checking bonus to new customers who open a personal checking account online using a special promotional link and receive a qualifying $1,000 direct deposit within 60 days of opening the account. This offer is available to residents of 15 states and Washington, D.C. and is valid through July 3, 2025.

Additionally, a separate in-branch $500 checking bonus is also available, offering an even higher reward for those who open an account at a physical Citizens Bank location.

Direct Link to OFFER

Citizens Bank $400 Checking Bonus

Offer Overview

Bonus Amount and Expiration

  • Online Bonus: $400
  • In-Branch Bonus: Up to $500
  • Expiration Date: July 3, 2025

The current $400 offer simplifies eligibility with a single $1,000 direct deposit requirement, removing the previous tiered bonus system based on deposit size and debit card usage.

Eligible Locations

This bonus is only available to residents in the following states and districts:

  • Connecticut (CT)
  • Delaware (DE)
  • Massachusetts (MA)
  • Michigan (MI)
  • New Hampshire (NH)
  • New Jersey (NJ)
  • New York (NY)
  • Ohio (OH)
  • Pennsylvania (PA)
  • Rhode Island (RI)
  • Vermont (VT)
  • Virginia (VA)
  • Washington, D.C. (DC)
  • Maryland (MD)
  • Florida (FL)

Eligibility and Requirements

Who Qualifies?

  • Must be a new customer (not a primary or joint owner of a Citizens personal checking account in the past 6 months)
  • Must open the account online using the bonus link
  • Must reside in an eligible state or D.C.

Account & Deposit Requirements

  • Open a One Deposit Checking account
  • Receive a $1,000 direct deposit within 60 days of account opening
    • Must be an employer, government, or pension-type deposit
    • Person-to-person or internal transfers do not qualify

Additional Terms

  • Monthly Maintenance Fee: $9.99, waived with one deposit per statement cycle
  • Paper Statement Fee: $3, avoidable by enrolling in e-statements
  • Credit Check: Usually a soft pull if overdraft protection is declined
  • Early Closure: No early termination fee, but account must remain open through the bonus payout
  • Funding Method: No credit card funding allowed

How to Get the Bonus

  1. Apply online through the official $400 promotional link
  2. Choose the One Deposit Checking account
  3. Opt out of overdraft protection if you want to avoid a hard credit inquiry
  4. Set up and receive at least $1,000 in qualifying direct deposits within 60 days
  5. Keep the account open and in good standing until the bonus is deposited

In-Branch $500 Bonus

Citizens Bank is also offering a $500 checking bonus when you open a new account at a participating branch. Requirements typically include:

  • Visiting a Citizens Bank location in an eligible state
  • Opening an eligible checking account with a banker
  • Receiving a qualifying $1,000 direct deposit
  • Meeting any additional criteria provided in-branch

Because requirements can vary by branch, it's recommended to call ahead or speak directly with a banker for the most accurate information.

Tax Information

  • The bonus will be reported as interest income and you may receive a 1099-INT form at tax time

Avoiding Monthly Fees

To avoid the $9.99 monthly maintenance fee:

  • Make at least one deposit per statement period
  • Enroll in paperless statements to avoid a $3 paper fee

Optional: Combine with Savings Bonus

Citizens Bank may offer an additional $500 savings bonus for opening a new savings account with a $10,000 deposit held for 5 months. This can be combined with the checking bonus if opened on the same day.

Example Scenario

Jane from New Jersey opens her Citizens One Deposit Checking account online on May 20, 2025. She sets up direct deposit for her biweekly $1,200 paycheck.

  • Her first direct deposit posts on June 10, 2025.
  • She keeps the account open and makes at least one deposit each month.
  • She receives her $400 bonus by August 1, 2025.

If Jane had visited a branch instead and fulfilled the same requirements, she may have earned $500 instead.

Final Thoughts

The Citizens Bank $400 online checking bonus and $500 in-branch offer are among the most generous bank promotions currently available in the Northeast, Mid-Atlantic, and Florida.

Key Tips:

  • Act before July 3, 2025
  • Use the official bonus link for the $400 offer
  • Or inquire in-branch about the $500 deal
  • Set up a qualifying $1,000 direct deposit
  • Avoid fees by maintaining regular deposits and enrolling in e-statements

Whether you're switching banks or just looking to earn extra cash, this promotion is a worthwhile option for eligible U.S. residents.

 

Tags Checking Bonus Citizens Bank
  • Facebook
  • Twitter

You may like these posts

Post a Comment

Thank you for Sharing your expirence

Previous Post Next Post

Popular Posts

insurance

Staysure Travel Insurance Reviews

byZfwriter-February 28, 2024

$300 Checking Bonus: Guilford Savings Bank

May 20, 2025

Wintrust Bank $300 Checking + $200 Savings Bonus

May 20, 2025

$400 Checking Bonus: Citizens Bank

May 20, 2025

Categories

  • Bank
  • Checking Bonus
  • Credit Card
  • insurance

Featured post

75,000 Miles Bonus: Bank of America Launches Enhanced Alaska Airlines Business Card

Zfwriter- May 22, 2025
ZeroFeed - Bank and Credit Card Exclusive offers

About Us

We are Zerofeed, a website that reviews Different type of Financial Products. Our team is passionate about helping people achieve their Financial goals. We do all the research on behalf of you to find correct information from Trusted Sources.

Categories

  • Bank
  • IRS
  • Social Security Income
  • insurance

Reviews

Staysure Travel Insurance Reviews

February 28, 2024

Sainsbury's Bank Travel Insurance Reviews

October 22, 2024

Direct Line Home Insurance Reviews

October 22, 2024

Most Popular

$400 Checking Bonus: Citizens Bank

May 20, 2025

$300 Checking Bonus: Guilford Savings Bank

May 20, 2025

Wintrust Bank $300 Checking + $200 Savings Bonus

May 20, 2025
Design by Blogger
  • Home
  • About Us
  • Contact Us
  • Privacy Policy
  • Disclaimer
  • Sitemap

Contact Form