Citi will pay you $325 for opening a new Regular Checking account and setting up direct deposit. The requirement is two direct deposits totaling $3,000 within 90 days, and you have until October 26, 2026 to open the account.
Offer details verified September 29, 2026. Bank promotions change often, so confirm the current terms on Citi’s site before you apply. See our Advertiser Disclosure for how we work with partners.
Citi $325 checking bonus at a glance
| Detail | What you need to know |
|---|---|
| Bonus | $325 |
| Account | Citi Regular Checking |
| Requirement | At least two Enhanced Direct Deposits totaling $3,000 or more within 90 days |
| Who qualifies | No Citi checking account in the last 365 days |
| Open by | October 26, 2026 |
How to earn the $325 bonus
- Apply from Citi’s offer page for a new Regular Checking account and enroll in the bonus when you apply.
- Set up Enhanced Direct Deposit at the same time you apply. This is Citi’s name for a qualifying payroll or benefits deposit.
- Receive at least two direct deposits totaling $3,000 into the checking account within 90 days of opening. Deposits into a Citi savings account do not count.
- Keep the account open. Citi says the bonus is deposited within 30 days after you complete the required activities.
The bigger Citi offer for larger balances
If you have savings to park rather than paychecks to redirect, Citi also runs a tiered offer on Regular Checking that pays $500 or $1,500. Instead of direct deposits, you move new money to Citi within 45 days and keep the required balance for another 45 days. The larger payout needs a large deposit, so read the tiers carefully before choosing it over the $325 offer.
Is it worth it?
The $3,000 requirement is higher than Chase’s $1,000, but most full-time paychecks clear it in two pay periods. If you have not had a Citi checking account in the past year, $325 is a fair payout for a quick switch.
Tips for the Citi bonus
- Make sure at least two separate direct deposits land in the checking account, not one large one.
- Enroll in the offer the same day you open the account.
- Check the Regular Checking fee rules so a monthly fee does not cut into the bonus.
- Keep a screenshot of the offer terms from the day you apply.
More bank bonuses
- Chase Total Checking $400 Bonus: How to Earn It Before October 14, 2026
- U.S. Bank Smartly Checking Bonus: Earn Up to $450 (Through November 10, 2026)
- BMO Checking Bonus: Earn Up to $600 With Direct Deposit
- PNC Virtual Wallet Bonus: Earn Up to $400 With Direct Deposit
- Capital One Business Checking Bonus: Earn $500 With Promo Code SBOFFER500
- All bank sign-up bonuses
Takeaway
Citi’s $325 checking bonus needs two direct deposits totaling $3,000 within 90 days, and you must open the account by October 26, 2026. If a bigger balance is sitting idle, compare it with Citi’s tiered $500 or $1,500 offer first.
