[2026.10 Update] The welcome bonus remains $500 for depositing $30,000. Offer ends 01/11/27. One recent change is that funds held in a Citi Savings account now also count toward the bonus requirements. Citi has also introduced Citi Premium Boost: Meet this account’s minimum balance requirement and receive at least $5,000 in Enhanced Direct Deposits (EDDs) each month to qualify for a higher rate on your Citi Savings account—3.50% APY as of October 2026. This makes the opportunity cost of keeping your money in the account relatively low.
[2024.1 Update]Â The new offer is $500 with $30k deposit. There is also a new change: the 0 monthly fee requirement for Citi Priority has been lowered from $50k to $30k.
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Benefits
- $500 sign-up bonus! Please read below for the requirements to get this bonus.
- There is a monthly maintenance fee of $30. You can avoid this by keeping a monthly balance of $30,000.
- If you meet the above conditions to avoid the monthly fee, you can also use non-Citi ATMs for free.
- No early termination fee. You can close your account at any time, but we recommend you convert your account to the Citi Basic Banking package to avoid the high monthly balance requirement.
- [New] Citi Premium Boost: Meet this account’s minimum balance requirement and receive at least $5,000 in Enhanced Direct Deposits (EDDs) each month to qualify for a higher rate on your Citi Savings account—3.50% APY as of October 2026. This makes the opportunity cost of keeping your money in the account relatively low.
Bonus Requirements
- This bonus is only available for new clients. Those who currently have a Citi checking or savings account, or have closed an account within 180 days are not eligible for this offer. Those with a Citi credit card are not exempt from these rules.
- Deposit the required amount into your account within 45 calendar days of account opening, then maintain at least that balance every day from day 46 through day 90. The deposit requirements and corresponding cash bonuses are listed below:
Deposit Amount Bonus $30,000 $500 $200,000 $2,000 $1,000,000 $4,000 - [Update] Funds held in both checking and savings accounts count toward the deposit and balance requirements.
Different Citi Checking Accounts
Here is a comparison and contrast on the official website.
Summary
The welcome offer is really nice.
Historical Offers Chart
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