How long does it take to receive a new account bonus?

It depends on the account that you open, but for most bonuses, it takes up to 30 days to appear in your account.

Can existing customers qualify for these promotions?

In most cases, Citi bonus offers are available only to new customers who haven't had a Citi checking or savings account within the past 180 days. You'll need to review terms and conditions, as restrictions vary by promotion.

What happens if I close my account early?

You may forfeit your bonus or incur an early closure fee if you close your account early.

Are there any taxes on bank bonuses?

Bank bonuses are considered taxable income. Citi will issue a 1099-INT if interest is over $10.

Advertiser Disclosure

Citi® Bonus Offers and Promotions for 2025

September 11, 2025

7 min Read

Written by Rudri Patel

Edited by Elizabeth Constantineau

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

Looking to earn a little extra cash just for opening a bank account? Citi®, one of the biggest names in banking, is offering a variety of promotions in 2025 that could put real money in your pocket.

Current Citi Bonus Offers: September 2025

Here’s a quick look at the Citi offers you can currently claim:

Account Type	Bonus Amount	Expiration Date
Citi Checking Account	Up to $325	Oct. 6, 2025
Citi Welcome Checking Bonus	Up to $1,500	Oct. 6, 2025
Citi® Accelerate Savings	Up to annual percentage yield (APY)	None
Citi Business Checking	Up to $2,000	Oct. 6, 2025

Citi Checking Account Bonuses

If you’re looking for free money for your checking account, look no further than these Citi promotions.

Citi Checking Account Bonus: Up to $325

Bonus value: $325
Minimum deposit: $3,000 via direct deposit
Expiration date: Oct. 6, 2025
How to claim: Open a new eligible checking account with a Citi Relationship Tier, and set up at least two Enhanced Direct Deposits totaling $3,000 or more within 90 days.
When you’ll get it: Once you’ve met the criteria, you’ll receive the bonus within 30 days.
Terms and conditions: You must enroll in the offer and maintain your account in good standing to receive the full bonus.
Fees: $15 monthly fee is waived with Relationship Tiers or by meeting certain account requirements.

Claim your bonus now by opening a new checking account.

Citi Welcome Checking Bonus: Up to $1,500

Looking for a bigger Citi bonus? You could earn up to $1,500 when you open a new Citi checking account and deposit a qualifying balance.

Bonus value: Deposit $30,000 for a $750 bonus. Deposit $200,000 for a $1,500 bonus.
Minimum deposit: $30,000 or $200,000
Expiration date: Oct. 6, 2025
How to claim: Open a new eligible checking account in a Relationship Tier and enroll in the offer the same day via the offer page. Deposit new-to-Citi funds within 45 days and keep that balance for another 45 days.
When you’ll get it: You will receive your bonus within 30 days of meeting all the requirements.
Terms and conditions: You must apply for the offer directly from the Citi page account. Deposit new-to-Citi funds within 45 days of opening the account, and maintain the required minimum balance in your eligible account for an additional 45 days from the 46th day.
Fees: $15 monthly fee is waived with Relationship Tiers or by meeting certain account requirements

Claim your Citi Welcome Checking cash bonus offer today.

Citi Savings Account Promotion

Citi has just one bonus on offer this month for savings accounts.

Citi® Accelerate Savings: Up to APY

The Citi® Accelerate Savings account offers one of the best high-yield savings rates around — up to APY.

Bonus value: Up to APY
Minimum deposit: No minimum deposit
Expiration date: None stated
How to claim: You can claim this offer by simply opening a savings account.
When you’ll get it: You will start earning the APY as soon as you open the account.
Terms and conditions: Available in most states — excluding New York, California, New Jersey and a few others
Fees: Citi will waive your monthly $4.50 savings account fee if you maintain an average monthly balance of $500 or more, or link to an eligible Citi checking account.

Bank smarter and earn more with the Citi® Accelerate Savings Account offer.

Citi Relationship Benefits

There are several perks when you link checking and savings accounts. Some of those perks include:

Monthly fee waivers: By linking your checking and savings accounts, you can meet minimum balance requirements and avoid paying the monthly fee.

Simplified transfers: You can easily transfer money from your checking to savings account s and vice-versa.

Higher interest rates: Linking accounts mean you have larger balances and can potentially qualify for higher interest rates.

Eligibility for account bonuses: Linked accounts often contribute to qualifying for bonuses and promotional offers.

Citi Business Account Promotions

Citi is currently offering a cash bonus for business checking customers who meet deposit and activity requirements.

Citi Business Checking Bonus: Up to $2,000 Bonus

Small business owners can score a generous Citi bonus of up to $2,000 by opening a new eligible business checking account and meeting the deposit requirements.

Bonus value: Up to $2,000
Minimum deposit: $5,000
Expiration date: Oct. 6, 2025
How to claim: Open a Citi Business account — Analyzed, Streamlined or Flexible Checking account. Fund it within 45 days and maintain that balance for another 45 days.
When you’ll get it: Within 30 days from the end of the qualifying period
Fees: Monthly fees range from $24 to $30, depending on the business account you choose. These fees are waivable.

Boost your business finances — earn up to $2,000 when you open a Citi business checking account.

How To Qualify for a Citi New Account Bonus

It is easy to qualify for a new account bonus at Citi. Just follow these steps:

Visit the Citi promotions page to find active new account bonuses.
Apply online or in person. If applying online, make sure you use the link from the promotional page.
Fund the account by depositing the correct amount within the timeframe required.
Maintain the required balance on the account for the minimum threshold required by the bonus offer.
Set up and complete the direct deposit — if the bonus offer requires this option.

Common Reasons Your Bonus May Be Denied

Watch out for these common pitfalls that can prevent you from receiving your bonus:

Not using the promotional link when opening the account

Missing the required deposit deadline

Falling below the minimum balance requirement

Closing the account before the required time period ends

Comparing Citi Offers to Competitor Promotions

Here is how Citi Bank bonus offers stack up against other competitors:

Bank and Account	Bonus Amount	Requirements	Expiration Date
Citi Checking Account	$325	Open a new eligible checking account and enroll in the offer. Make at least two Enhanced Direct Deposits totaling $3,000 within 90 days.	Oct. 6, 2025
Wells Fargo Everyday Checking	$325	Open a new account with at least $25. Set up direct deposits totaling at least $1,000 within 90 days.	Oct. 15, 2025
Huntington Bank Platinum Perks Checking	$600	Deposit at least $25,000 of new money into your account within 90 days.	Jan. 15, 2026

Tips for Maximizing Your Citi Offer

There are a few things you can do to make the most of your Citi bonus offer:

Look at what Citi offers at the end of each quarter or during the holiday season.
Maintain minimum balances to keep your bonus.
Don’t close your account too early or you likely won’t get to keep your bonus.
Set up eligible direct deposits so you fund the account properly.

Conclusion

From personal checking to high-yield savings and small business banking, Citi has a wide range of promotions that can help you earn bonus cash — or save money on fees. If you’re already considering making a switch or opening a new account, these Citi bonus offers could make it worth your while.

Just remember: Terms vary by offer, so always read the fine print. And make sure your accounts stay in good standing to claim your rewards.

FAQs: Citi Promotions and Bonus Offers

Here are some questions and concerns to keep in mind while looking into Citi bonus offers:

How long does it take to receive a new account bonus?
- It depends on the account that you open, but for most bonuses, it takes up to 30 days to appear in your account.
Can existing customers qualify for these promotions?
- In most cases, Citi bonus offers are available only to new customers who haven't had a Citi checking or savings account within the past 180 days. You'll need to review terms and conditions, as restrictions vary by promotion.
What happens if I close my account early?
- You may forfeit your bonus or incur an early closure fee if you close your account early.
Are there any taxes on bank bonuses?
- Bank bonuses are considered taxable income. Citi will issue a 1099-INT if interest is over $10.

More About Citi

Melanie Grafil, Cynthia Bowman, Caitlyn Moorhead, Daria Uhlig, Julia Gordon, Levi Leidy, Amber Barkley and Caitlin Cao contributed to the reporting for this article.

Data is accurate as of Sept. 11, 2025, and is subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.