Founded in 1828 in Providence, RI, Citizens Bank is one of the oldest and largest banks in the U.S. It serves consumers, small businesses, and large corporations all over the country. If you’re thinking about opening a new account with Citizens Bank, make sure you learn about the available Citizens Bank promotions currently available.

Citizens Bank Checking Account Bonus

Citizens Bank One Checking and Savings Account – $400 Bonus

• Bonus Amount: $300 or $400
• Expiration: September 28, 2025
• Requirements: Direct deposit and cash deposit

Through September 28, 2025, you could earn up to a $400 bonus when you open a new Citizens Bank One checking and savings account. To earn your bonus, follow these steps:

How to Get The Bonus

1. Open a new Citizens One Checking account and a Citizens savings account at the same time. You will need to use the “Bundle It” link on the attached Citizens Bank bonus page.
2. Set up and receive a single direct deposit of $500 or more into your new Citizens Bank checking account within 60 days of account opening. This will allow you to earn $300.
3. Deposit at least $100 into your new Citizens Bank savings account in each of the first three months your account is open. This will allow you to earn $100.
4. Once you complete all the requirements, your $300 or $400 bonus will be deposited into your checking account within four months of opening your account.

Account Fees

• Minimum Opening Deposit: Any amount
• Monthly Maintenance Fee: $9.99 for the checking account and $4.99 for your savings account. This fee can be waived if you make at least one monthly deposit into the account each month. You can also maintain an account balance of $200 or more to have the monthly maintenance fee waived. The account will automatically receive a waiver on the first four monthly maintenance fees.
• Paper Statements: $3 per month
• Overdraft Fee: $35

Fine Print to Know

• You will not be eligible for this Citizen checking account bonus if you were an account holder within the past six months.
• You can only take advantage of this bonus if you live in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.

Citizens Quest® Checking and Savings – $400 Bonus

• Bonus Amount: $300 or $400
• Expiration: September 28, 2025
• Requirements: Direct deposit and cash deposit

Through September 28, 2025, you could earn up to a $400 bonus when you open a new Citizens Bank Quest checking and savings account. To earn your bonus, follow these steps:

How to Get The Bonus

1. Open a new Citizens Quest Checking account and a Citizens savings account at the same time. You will need to use the “Bundle It” link on the attached Citizens Bank bonus page.
2. Set up and receive a single direct deposit of $500 or more into your new Citizens Bank Quest checking account within 60 days of account opening. This will allow you to earn $300.
3. Deposit at least $100 into your new Citizens Bank savings account in each of the first three months your account is open. This will allow you to earn $100.
4. Once you complete all the requirements, your $300 or $400 bonus will be deposited into your Quest checking account within four months of opening your account.

Account Fees

• Minimum Opening Deposit: Any amount
• Monthly Maintenance Fee: $25 for the Quest checking account and $4.99 for your savings account. The fee on the checking account can be waived in two different ways. Either make $5,000 in deposits posted before the end of each statement closing date. Or have a combined $25,000 account balance between deposit and investment accounts.
• Paper Statements: $3 per month
• Overdraft Fee: $35

Fine Print to Know

• You will not be eligible for this Citizen checking account bonus if you were an account holder within the past six months.
• You can only take advantage of this bonus if you live in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.

Citizens Student Checking and Savings – $400 Bonus

• Bonus Amount: $300 or $400
• Expiration: September 28, 2025
• Requirements: Direct deposit and cash deposit

Through September 28, 2025, you could earn up to a $400 bonus when you open a new Citizens Bank Student checking and savings account. To earn your bonus, follow these steps:

Earn Bonus Cash: Earn a $300 cash bonus and up to a 4.00% APY when opening a checking and savings account.

How to Get The Bonus

1. Open a new Citizens Student Checking account and a Citizens savings account at the same time. You will need to use the “Bundle It” link on the attached Citizens Bank bonus page.
2. Set up and receive a single direct deposit of $500 or more into your new Citizens Bank Student checking account within 60 days of account opening. This will allow you to earn $300.
3. Deposit at least $100 into your new Citizens Bank savings account in each of the first three months your account is open. This will allow you to earn $100.
4. Once you complete all the requirements, your $300 or $400 bonus will be deposited into your student checking account within four months of opening your account.

Account Fees

• Minimum Opening Deposit: Any amount
• Monthly Maintenance Fee: $0
• Paper Statements: $3 per month
• Overdraft Fee: $35

Fine Print to Know

• You will not be eligible for this Citizen Student checking account bonus if you were an account holder within the past six months.
• You can only take advantage of this bonus if you live in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.

Citizens Bank Private Client Checking – $400 Bonus

• Bonus Amount: $300 or $400
• Expiration: September 28, 2025
• Requirements: Direct deposit and cash deposit

Through September 28, 2025, you could earn up to a $400 bonus when you open a new Citizens Bank Private Client checking and savings account. To earn your bonus, follow these steps:

How to Get The Bonus

1. Open a new Citizens Private Client Checking account and a Citizens savings account at the same time. You will need to use the “Bundle It” link on the attached Citizens Bank bonus page.
2. Set up and receive a single direct deposit of $500 or more into your new Citizens Bank Private Client checking account within 60 days of account opening. This will allow you to earn $300.
3. Deposit at least $100 into your new Citizens Bank savings account in each of the first three months your account is open. This will allow you to earn $100.
4. Once you complete all the requirements, your $300 or $400 bonus will be deposited into your checking account within four months of opening your account.

Account Fees

• Minimum Opening Deposit: Any amount
• Monthly Maintenance Fee: $0
• Paper Statements: $3 per month
• Overdraft Fee: $35

Fine Print to Know

• You will not be eligible for this Citizen Private Client checking account bonus if you were an account holder within the past six months.
• You can only take advantage of this bonus if you live in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.

Boost Your Savings: Open a Valley Bank High-Yield Savings Account through Raisin and earn 3.95% APY plus up to a $1,500 bonus.

Expires Citizens Bank Promotions

Citizens Bank Business Advisor Checking® Account – $750 Bonus

• Bonus Amount: $750
• Expiration: August 31, 2025
• Requirements: Cash deposit and qualifying transactions

Through August 31, 2025, you could earn up to a $750 bonus when you open a new Citizens Bank Business Advisor checking account. To earn your bonus, follow these steps:

How to Get The Bonus

1. Open your first new Citizen Business Advisor Checking® account.
2. Deposit at least $30,000 in a single transaction and maintain at least $30,000 of that balance until the end of the month, three months after opening your account. For example, if you open your account in June, you must maintain your $30,000 balance until at least September 30, 2025.
3. Make five qualifying transactions within the two months.
4. Once you’ve met the requirements, your $750 bonus will be paid out by the end of the month, four months after opening your account.

Account Fees

• Minimum Opening Deposit: Any amount
• Monthly Maintenance Fee: $25; This can be waived when you have a $10,000 average daily balance or with $35,000 monthly combined balance.
• Paper Statements: $3 per month
• Overdraft Fee: $35

Fine Print to Know

• You will not be eligible for this Citizen Business Advisor Checking® account bonus if you were an account holder within the past six months.
• You can only take advantage of this bonus if you live in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.

Citizens Bank Clearly Better Business Checking® – $300 Bonus

• Bonus Amount: $300
• Expiration: August 31, 2025
• Requirements: Cash deposit and qualifying transactions

Through August 31, 2025, you could earn up to a $300 bonus when you open a new Citizens Bank Clearly Better Business checking account. To earn your bonus, follow these steps:

How to Get The Bonus

1. Open your first new Citizen Clearly Better Business Checking account.
2. Deposit at least $5,000 in a single transaction and maintain at least $5,000 of that balance until the end of the month, three months after opening your account. For example, if you open your account in June, you must maintain your $5,000 balance until at least September 30, 2025.
3. Make five qualifying transactions within the two months.
4. Once you’ve met the requirements, your $300 bonus will be paid out by the end of the month, four months after opening your account.

Account Fees

• Minimum Opening Deposit: Any amount
• Monthly Maintenance Fee: $0
• Paper Statements: $3 per month
• Overdraft Fee: $35

Fine Print to Know

• You will not be eligible for this Citizen Clearly Better Business Checking account bonus if you were an account holder within the past six months.
• You can only take advantage of this bonus if you live in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.

Citizens Bank Account Features

Before you take advantage of a Citizens Bank checking account bonus, it’s important to understand the account features.

Citizens Bank Checking Account Features

• No minimum opening deposit or balance requirements
• Get paid two days early with direct deposit
• Mobile check deposit and bill pay
• Discounts on select loans with automatic payment

How Do These Citizens Bank Promotions Compare?

Citizens Bank has some great promotions available for personal checking accounts. But because they’re not a nationwide bank, they may not be available to you. Here are a few other bank promotions you can consider instead.