Citi checking $475 Bonus

Requirements

• Checking-only tier: Complete 2 Enhanced Direct Deposits totaling $3,000+ within 90 days of account opening (for the $325 bonus)
• Checking+Savings tier: Complete 2 Enhanced Direct Deposits totaling $3,000+ within 45 days of opening (required for the $475 bonus)
• Deposit $5,000 in New-to-Citibank Funds (checking and/or savings) within 45 days of opening checking (for the $475 bonus)
• Maintain a combined Checking+Savings balance of $5,000+ through the balance-maintenance period; bonus posts between day 90-120 after opening (for the $475 bonus)
• Must open both a new Regular Checking account AND a new Citi Savings account on the same day to qualify for the $475 combo tier
• New checking customers only (no Citibank checking account in the last 365 days)

Timeline

1. Fund the account within 90 days of opening.
2. Direct deposit totaling $3,000.

Bonus tiers

• $325 — $3,000+ in Enhanced Direct Deposits within 90 days (Checking Only): park $0, DD $3,000, hold 90 days
• $475 — Checking + Savings combo: $3,000+ EDD within 45 days, $5,000 new-to-Citi funds within 45 days, maintain $5,000 combined balance through payout: park $5,000, DD $3,000

Closing the account (what we verified)

• Bonus typically posts within 120 days of completing requirements.
• Monthly fee: $15 (waived: Waived in month of opening + 3 months after, or each month with $250+ in Enhanced Direct Deposits, or Relationship Tier).

More Citi bonuses

• Citi IRA $5,000 bonus
• Citi brokerage $5,000 bonus