Citizens Bank Promotions: $300, $400, $500 Checking, Savings Bonus Offers (Many States) (2024)

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Find an updated list of Citizens Bank promotions, bonuses, and offershere.

Currently, you can take advantage of their $300, $400, $500 bonuses when you open a checking account and meet all the requirements.

Update 4/17/24:

• There is now a $250 or $500 savings bonus added to the list. Must have a checking account to qualify for this offer.
• The $400 and $250 offers are back with new links and extended through 6/6/24.

Citizens Bank Bank Promotions Summary

Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island, which operates in the states of Connecticut, Delaware, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, South Carolina, Pennsylvania, Rhode Island, and Vermont.

I’ll go over Citizens Bank promotions below.

Citizens Bank $400 Checking Bonus

Earn up to a $400 bonus when you open a checking and savings account and meet certain requirements.

• What you’ll get: $400 bonus
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
• Direct Deposit Requirements :Yes, $500+
• Credit Inquiry:Soft Pull, as long as you opt out of over draft protection.
• Monthly Fees: $9.99, avoidable
• Early Termination Fee:None listed, check with CSR for more information
• How to earn it:
  • To earn a $300 bonus, open your first new personal checking account and make a direct deposit of $500 or more within 60 days.
  • To earn up to $100, earn $2 for every debit card purchase you make, up to $100 within the next 60 days.

(Expires 06/06/2024)

Fine Print

• To Earn Bonus: To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 2/22/2024 and 6/6/2024 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening.
• Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®. Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card transactions from all cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
• Eligibility: Customer must open their first new personal checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. One debit card bonus per checking account. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
• Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.

Citizens Bank $500 Savings Bonus

• What you’ll get: $250 or $500 bonus
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
• Direct Deposit Requirements: No
• Credit Inquiry:Soft Pull, as long as you opt out of over draft protection.
• Monthly Fees: $0 or $4.99 monthly maintenance fee with theOne Deposit Savings from Citizens. Make at least one deposit of any amount each monthly maintenance fee period to waive the fee.
• Early Termination Fee:None listed, check with CSR for more information
• How to earn it:
  • You must have a personal Citizens Checking Account to receive the cash bonus.
  • To get $250: make a single or multiple deposits totaling $5,000 (not currently on deposit with Citizens) into one personal savings account April 17 — 30th and maintain the balance for five consecutive months.
  • To get $500: make a single or multiple deposits totaling $10,000 (not currently on deposit with Citizens) into one personal savings account April 17 — 30th and maintain the balance for five consecutive months.

(Expires 04/30/2024)

Fine Print

• To Earn Bonus: You must, 1) have an existing personal checking account or open your first new personal checking account between 4/17/24 and 4/30/24 and, 2) have an existing personal savings account or open your first new personal savings account between 4/17/24 and 4/30/24 and have the required minimum total deposit (with money not currently on deposit with Citizens) post to one savings account between 4/17/24 and 4/30/24. For account holders with more than one savings account, the minimum total deposit amount must be made into a single savings account and funds must then remain on deposit until September 30, 2024. Deposits between $5,000-$9,999.99 will receive a $250 bonus or deposits of $10,000 or more will receive a $500 bonus.
• Qualifications: Your new or existing accounts must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Savings account must maintain the required balance until September 30, 2024. Money market accounts, CDs, and Citizens Access accounts are excluded.
• Eligibility: Customer will be paid only one, one-time bonus for this program. Only one savings account is eligible for a bonus. Offers may be withdrawn without notice. Offer eligibility is determined at Citizens’ sole discretion.
• Payout: Bonus will be deposited to the checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your checking account is closed prior to payout date stated in the table below, then your savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.

Citizens Bank $300 Savings Bonus

• What you’ll get: $300 bonus
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
• Direct Deposit Requirements: No
• Credit Inquiry:Soft Pull, as long as you opt out of over draft protection.
• Monthly Fees: $0.00 with Citizens Quest Checking
• Early Termination Fee:None listed, check with CSR for more information
• How to earn it:
  • Get $300 when you open your first new personal Citizens Quest® Savings account between 3/26/24 and 4/16/24 and deposit a minimum of $15,000 not already on deposit with Citizens.

(Expires 04/16/2024)

Fine Print

• To Earn Bonus: To earn a $300 bonus, open your first new savings account between 3/26/24 and 4/16/24 and have a minimum of $15,000 not already on deposit with Citizens post within 10 days of account opening and remains on deposit until date stated in the table below. You must also have an existing Citizens Quest Checking account or open a new Citizens Quest Checking account between 3/26/24 and 4/16/24.
• Qualifications: Primary signer on the new savings account may not be or have been a signer on any Citizens personal savings account within the previous six months. Your new savings account and your new or existing checking account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
• Eligibility: Customer must open their first new savings account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Only one savings account is eligible for a bonus. Offers may be withdrawn without notice and cannot be combined with any other savings offer. Offer eligibility is determined at Citizens’ sole discretion.
• Payout: Bonus will be deposited to the checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.

Citizens Bank $250 Checking Bonus

Earn a $250 bonus when you open a checking account and meet certain requirements.

• What you’ll get: $250 bonus
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL (Bank Locator)
• Direct Deposit Requirements: Yes, $500+
• Credit Inquiry:Soft Pull, as long as you opt out of over draft protection.
• Monthly Fees: $9.99-$25, avoidable
• Early Termination Fee:None listed, check with CSR for more information
• How to earn it:
  • To earn a $250 bonus, open your first new personal checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.

(Expires 06/06/2024)

Fine Print

• To Earn Bonus: To earn a $250 bonus, open your first new personal checking account between 2/22/2024 and 6/6/2024 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
• Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®.
• Eligibility: Customer must open their first new checking account via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
• Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.

Citizens Bank $1000 Checking Bonus (In-Branch Offer) (Expired)

Earn up to a $1000 bonus when you open a checking and savings account and meet certain requirements.

• What you’ll get: $1000 bonus
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
• Direct Deposit Requirements: Yes
• Credit Inquiry:Soft Pull, as long as you opt out of over draft protection.
• Monthly Fees: $9.99, avoidable
• Early Termination Fee:None listed, check with CSR for more information
• How to earn it:
  • Citizens Bank is offering a checking bonus of up to $1,000.
    • To earn a $300 Checking bonus, open your first new One Deposit Checking, Citizens EverValue Checking, or Student Checking account between 8/4/23 and 8/19/23 and have at least one single direct deposit of $1000 or multiple direct deposits totaling $1000 or more post to your new checking account within 60 days of account opening.
    • To earn a $500 Checking bonus, open your first new Citizens Quest Checking account between 8/4/23 and 8/19/23 and have at least one single direct deposit of $5000 or multiple direct deposits totaling $5000 or more post to your new checking account within 60 days of account opening.
    • To earn a $1000 Checking bonus, open your first new Citizens Private Client Checking account between 8/4/23 and 8/19/23 and have at least one single direct deposit of $5000 or multiple direct deposits totaling $5000 or more post to your new checking account within 60 days of account opening.
  • To earn a $200 Credit Card bonus, you must qualify for one of the Checking bonuses above and open your first personal Citizens Credit Card between 8/4/23 and 8/31/23.

(Expires 11/28/2023)

Fine Print

• Offer available only for accounts opened in a branch.
• To Earn Bonus: To earn a $300 bonus, open your first new One Deposit Checking, EverValue Checking, or Student Checking account between 11/24/23-11/28/23 and have at least one single direct deposit of $1,000 or multiple direct deposits totaling $1,000 or more post to your new checking account within 60 days of account opening. Or, to earn a $500 bonus, open your first new Citizens Quest® Checking account between 11/24/23-11/28/23 and have at least one single direct deposit of $5,000 or multiple direct deposits totaling $5,000 or more post to your new checking account within 60 days of account opening. Or, to earn a $1,000 bonus, open your first new Citizens Private Client™ Checking account between 11/24/23-11/28/23 and have at least one single direct deposit of $10,000 or multiple direct deposits totaling $10,000 or more post to your new checking account within 60 days of account opening.
• Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new checking account must have a balance greater than zero and remain open and active through the payout date stated in the table to the right to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible Direct Deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®.
• Eligibility: Customer will only be paid a one-time bonus for this program. Only one checking account is eligible for a bonus. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion.
• Payout: Bonus will be deposited to the new checking account by the date stated in the table to the right and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.

Citizens Bank $500 Business Checking Bonus (Targeted) (Expired)

Earn a $500 bonus when you open a business checking account and meet certain requirements.

• What you’ll get: $500 bonus
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
• Direct Deposit Requirements: No
• Credit Inquiry:Soft Pull, as long as you opt out of over draft protection.
• Monthly Fees: $0-$25, avoidable
• Early Termination Fee:None listed, check with CSR for more information
• How to earn it:
  • To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account and make five qualifying transactions in the two months.
  • To earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account and make five qualifying transactions in the two months.

(Expires 05/15/2023)

Fine Print

• To Earn Bonus: To earn a $200 bonus, open your first new Clearly Better Business Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $2000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below OR to earn a $500 bonus, open your first new Business Advisor Checking account between 1/1/23 and 5/15/23 and have a minimum opening deposit of $5000 post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below.
• Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app; payments made by check or Online Bill Pay; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites.
• Transfers between other Citizens accounts do not qualify.
• Qualifications: Primary signer on the new business checking account may not be or have been a signer on any Citizens business checking account within the previous six months.
• Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer.
• Eligibility: Retain this flyer for your records.
• Customer will only be paid a one-time bonus for this program.
• Offers may be withdrawn without notice and cannot be combined with any other business checking offer.
• Offer eligibility is determined at Citizens’ sole discretion.
• Payout: Bonus will be deposited to the new business checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”.
• Bonus will be reported to the IRS for income tax purposes.

[Expired] Citizens Bank $1,000 Savings Bonus

Earn up to a $1,000 bonus when you open a checking and savings account and meet certain requirements.

• What you’ll get: $1,000 bonus
• Where it’s available: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
• How to earn it:
  • Open a CollegeSaver account before your child’s 12th birthday
  • Save at least the monthly minimum amount every year. $25 if child is under 6 years of age at opening, $50 if child is 6 or older but under 12 years of age at opening.
  • Receive a $1,000 bonus plus interest when your child turns 18

(Limited time offer)

How To Avoid Monthly Fees

• One Deposit Checking: $9.99 monthly fee waived withone deposit each statement period
• Quest Checking:$25 monthly fee waived with one of the following:
  • Make $5,000 in total deposits to your primary checking each statement period OR
  • Maintain $25,000 in monthly combined deposits and investments
• Clearly Better Business Checking: No monthly fee
• Business Advisor Checking: $25 monthly fee waived if:
  • $10,000 average daily balance -OR-
  • $35,000 monthly combined balance.
• Citizens Analysis Business Checking: $2o Monthly Maintenance Fee cannot be waived; however, the cost of this fee can be offset using an Earnings Credit.

Author’sVerdict

To summarize, Citizens Bank has some of the best promotions, bonuses, and offers. With great services in addition to their financial products, you can be sure your financial future is secure.

For more current offers, check out ourbank bonuses page. Compare Citizens Bank rates for CDs and Savings with our best rates forSavingsandCD accounts.

Be sure to check more popular bank promotions include Chase Bank,Bank of America,Citi,Discover Bank,CIT Bank,TD Bank,Huntington Bank,HSBC Bank,Wells Fargoand many more.

Check back often for more Citizens Bank Bonuses, Promotions, or Offers!