Citizens Bank Bonus Offers: How To Qualify in 2025
Written by
Chris Ozarowski
Edited by
Elizabeth Constantineau
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Like many banks, Citizens Bank rewards new customers for opening an account — but few match its current lineup, with promotions totaling up to $9,500 for qualifying customers. With more than 1,000 branches across its regional footprint, Citizens Bank makes it easy to earn and save.
At a Glance: Citizens Bank Bonus Summary
| Account Type | Bonus Amount | Offer Expiration |
|---|---|---|
| Citizens Checking Account and Savings Account | Up to $400 | Nov. 23, 2025 |
| Home Rewards | Up to $9,500 | Not listed |
| Home Loan | 0.125% rate discount | Not listed |
Current Citizens Bank Promotions: October 2025
Citizens Bank Checking and Savings Bonus: Up To $400
How it works: Citizens Bank offers a combined checking and savings bonus worth up to $400. You can earn $300 for opening a new checking account and setting up qualifying direct deposits, plus an extra $100 when you open a savings account and meet deposit requirements.
Steps to qualify:
- Open a new checking account — Student, One Deposit, EverValue, Quest or Private Client — through the offer page.
- Receive a qualifying direct deposit of $500 or more within 60 days of opening your account to earn a $300 bonus.
- Open a Citizens Bank savings account and make deposits totaling at least $100 each month for three consecutive months to earn an additional $100 bonus.
Timeline: Bonuses are paid after you meet all qualifying requirements. Your account must remain open and in good standing through the payout date.
Limits and conditions: You’re not eligible if you’ve had a Citizens Bank checking or savings account in the past six months. Monthly fees vary by account — from $0 to $25, depending on which account you choose — but they can often be waived with minimum balances or qualifying deposits.
Learn more here: Citizens Bank Checking and Savings Account bonus
Citizens Bank Home Rewards Bonus: Up To $9,500
How it works: This Citizens Bank promotional bonus is for customers who use the Your Home Rewards homebuying service. When you buy or sell a home, you can earn up to $9,500, depending on the sales price of the home.
Steps to qualify:
- Enroll in Your Home Rewards from Citizens Bank.
- Get matched with a real estate agent.
- Buy or sell your home with the agent’s assistance to qualify.
Timeline: You’ll get the reward within 45 days of closing. Rewards remain valid for 18 months after enrollment.
Limits and conditions: The offer is not available in Alaska, Iowa, Louisiana or Missouri. Some homebuyers in Mississippi, New Jersey, Oklahoma and Oregon may not qualify for a reward but might receive a reduced agent commission instead.
Learn more here: Your Home Rewards bonus
Citizens Bank 0.125% Home Loan Rate Discount
How it works: Citizens Bank offers a 0.125% rate discount when you set up paperless statements and automatic mortgage payments from your checking account.Â
Steps to qualify:
- Open or maintain a Citizens Bank checking account.
- Enroll in automatic mortgage payments from that account.
- Set up paperless statements to activate your rate discount.
Timeline: The rate discount applies automatically once you’ve enrolled in both automatic payments and e-statements.
Limits and conditions: Only one discount applies per property. The offer is available in select states and is not valid for bond or Community Reinvestment Act (CRA) loan programs.
Learn more here: Citizens Bank home loans discount
Expired Citizens Bank Bonuses
Citizens Bank’s promotions change from time to time — here’s a look at some past offers.
What Happened to the $600 Citizens Bank Bonus?
The popular $600 Citizens Bank bonus has officially ended and is no longer available. While that offer has expired, Citizens Bank still provides several ways for customers to earn extra cash.
How To Open a Citizens Bank Account
Opening an account with Citizens Bank is simple. You can visit a local branch or follow these steps to apply online:
- Visit the new account page.
- Enter your Social Security number.
- Provide your driver’s license or state ID information..
- Enter your contact information.
- Fund your account with a debit card or use your routing number and bank account number to transfer money.
Is Citizens Bank Right for You?
Yes — if you’re looking for a bank with a variety of low-cost or fee-free account options. Most Citizens Bank accounts waive fees when you meet balance or deposit requirements. If you live in the service area, it might be worth checking out the bank’s full range of products — especially with the chance to earn a bonus.
No — if you live outside Citizens Bank’s footprint, prefer a fully online banking option or don’t want to manage balance or deposit requirements to avoid fees. Bank promotions are a nice perk, but they’re often just a one-time bonus. Make sure the account fits your long-term financial needs.
Citizens Bank Bonus FAQ
Here are some answers to frequently asked questions about Citizens Bank bonuses and promotions.- Are there any special offers for new Citizens Bank customers?
- Yes, new Citizens Bank customers can earn a bonus of up to $400 when they open both a checking and savings account. Beyond opening the accounts, new customers must meet specific requirements to secure the bonus.
- Can existing customers qualify?
- Current customers who choose to finance a home purchase through the bank can tap into a worthwhile rate discount. However, if you are an existing customer with a Citizens checking or savings account, you cannot score a bonus for opening a new checking or savings account.
- Does Citizens Bank require an offer code?
- Citizens Bank promotions currently on offer don't require offer codes — you simply need to open your account through the bank's offer page and meet the requirements to qualify.
- What happened to the $600 promotion?
- The $600 checking and savings bonus has expired. However, Citizens still runs several active promotions, including a checking and savings offer worth up to $400.
- How long does it take to get the bonus?
- Bonus payments are typically issued once all qualifications are met and your account remains open and in good standing. For most checking and savings bonuses, payouts occur within 90 days of meeting deposit or balance requirements.
More About Citizens Bank
- Citizens Bank Review
- Citizens Bank Savings Account Interest Rates
- Citizens Bank CD Rates
- Citizens Bank Money Market Rates
- Citizens Bank Routing Number
Sarah Sharkey, Cynthia Bowman, Elizabeth Constantineau and Julia Gordon contributed to the reporting for this article.
Information on promotions is accurate as of Oct. 7, 2025. Additional requirements may apply. Offers and terms are 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.
