Citizens Bank Promotions: Get up to $400 for Opening a New Account

Are you thinking about opening an account at Citizens Bank and wondering if there are any good promotions going on?

You are in luck – Citizens Bank has one offer running right now.

1. up to $400 for a checking account but you will need a direct deposit and use their debit card
2. up to $500 for a savings account but you will need to deposit at least $5,000 (for $250) or $10,000 (for $500) for five months (expired)

As far as promotions go, both are pretty easy. The direct deposit offer is a pretty easy one with a low direct deposit requirement and using a debit card is pretty easy. The non-direct deposit offer has a low minimum to get either the $250 or $500 (many times banks will require at least twice as much in a deposit).

We’ll discuss the deal, then mention locations and other bank information, and follow it up with how this offer compares with other major banks.

💵 U.S. Bank – up to $450

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through 1/28/2026. Member FDIC.

Get started with an initial deposit of $25 within 30 days. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

Learn more about this offer

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Here’s how to get a new account bonus from Citizens Bank:

🔃 Updated January 2026 with the latest $400 offer – same as the previous one but with a new expiration date.

Citizens Bank Consumer Checking Direct Deposit Offer – up to $400

This currently active promotion with Citizens Bank is great – get up to $400 when you open a One Deposit Checking from Citizens™ in-branch and satisfy some simple requirements.

The terms of the deal are straightforward:

• Get $300 when you open a new checking account and make a single direct deposit of $500 or more within 60 days
• Get an additional $100 when you open your first personal savings account on the same day and make monthly deposits of $100+ for three months in a row

Must be a resident of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Washington D.C..

In terms of requirements, this offer is pretty good. Review our guide on bank account bonuses to see what other gotchas may be lurking.

Do You Qualify for the Checking Bonus?

This offer is available to those who live in the bank’s geographic footprint, which includes Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Washington D.C..

You can choose between four different types of accounts – the Student Checking, One Deposit Checking, Citizens Bank Platinum Checking, and Citizens Bank Platinum PlusChecking. The big difference between the four is their fees.

The Student Checking is only available to people under 25 but has no maintenance fee if you are under 25.

The One Deposit Checking Account has no minimum to open an account. There is also no minimum balance requirement ever. So you could open an account with $1 and never add another penny, you won’t be penalized. There is, however, a monthly maintenance fee of $9.99 each statement period. You can avoid this by making one deposit of any amount each statement period. This deposit or transfer can be done through a branch, ATM, online or mobile banking, telephone banking, or through a direct deposit or wire transfer.

The Citizens Bank Platinum Checking account also lets you open an account with any amount – there is no minimum initial deposit amount. There is a $25 monthly maintenance fee that is waived if you maintain a combined monthly balance of $25,000 or more. This includes deposit and investment accounts.

This account also pays a small percentage of interest, which is better than zero but not much better. If you’re getting a Citizens Bank account because of the promotional offer, I would go with the One Deposit Checking account rather than the Platinum Checking.

Finally, the Citizens Bank Platinum Plus Checking account has a $25 fee that is waived if you have a combined monthly balance of $25,000 and either a deposit of at least $5,000 in your primary checking account each period or you maintain an average daily checking balance of $10,000 or more.

Citizens Bank Consumer Savings – up to $500 [EXPIRED]

Once you do the checking bonus above, you can also give the savings bonus a try too. You can get up to $500 if you open a new savings account and make a deposit. The bonus is based on the deposit:

• 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.

There are several savings accounts that qualify, including One Deposit Savings and Checking from Citizens, Citizens Quest® Savings and Checking, Citizens Private Client™ Savings and Checking. and Citizens One Deposit Savings and Student Checking.

Citizens Bank Business Checking – up to $250 [EXPIRED]

Citizens Bank has a business checking promotion when you open a new eligible business checking account and complete the qualifying transactions.

This is available on both the Clearly Better Business Checking and Business Advisor Checking accounts but the Clearly Better Business Checking has a lower bonus and no monthly maintenance fee while the Business Advisor Checking account has a higher bonus and a $25 monthly fee.

To get $250, open a Clearly Better Business Checking or Business Advisor Checking account with a minimum deposit of $2,000 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.

Previous Citizens Bank Promotions

Citizens Bank will run bank promotions regularly and previously they’d offered up to $600 for a new checking account and new savings account. The previous promotion, which is no longer available, would give you $300 when you opened a new checking account and received a direct deposit of $500 or more within 60 days.

Then, you could get an additional $200 when you opened a new savings account and funded it with a minimum of $15,000 of new funds to the account. You had to maintain that balance for 3 months.

When you satisfied both conditions, you’d get an additional $100. That’s a total of $600.

This offer, though lower, is much easier to achieve because you don’t need to find $15,000 to deposit into the account and leave it there for three months.

Citizens Cash Back Plus World Mastercard – $300 Cash

When you open a Citizens Cash Back Plus World Mastercard by 9/7/2022 then you are eligible for a bonus promotion. Get $300 when you spend just $500 in the first 90 days plus you can earn an additional $100 when you enroll in TSA PreCheck in the first year.

This card has no annual fee plus you even get 1.8% cash back on everything.

Learn more about this card

Who is Citizens Bank?

There is more than one bank named “Citizens Bank.”

There are quite a few banks with the Citizens in their name. Quite a few are actually named Citizens Bank – such as a Citizens Bank with four locations in Missouri with the FDIC #14488.

The one we’re referencing today is Citizens Bank, National Association (FDIC #57957). It’s a National Bank insured since May 2005 with 1,085 locations across 13 states.

Find a Citizens Bank Near You

Citizens Bank has locations in thirteen states including Connecticut, Delaware, Illinois, Indiana, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

You can use their branch and ATM locator to find the closest location to you. This offer is available online so you don’t really need to visit a branch to open it.

In fact, it’s only available online.

Citizens Bank ABA Routing Numbers

Citizens Bank has several ABA routing numbers as a result of mergers and acquisitions, so finding your ABA number depends on where you opened your account. You can look it up on the list below:

How Does This Compare?

Citizens Bank is a sizable regional bank given all its locations and the bonus is a nice one. Being able to get $300 for a checking account with an easy $500 direct deposit requirement puts it as one of the better ones. Layer on the $200 (it’s really $300 with the $100 bonus for both accounts) for a savings account with a $15,000 new-to-Citizens funds and you have yourself a decent bonus structure.

As you can see, the Citizens Bank offer is pretty good. If you only want a checking account, Wells Fargo will give you more cash but when it comes to the combination of the two, Citizens will be a higher dollar amount.