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Citizens Bank

One Deposit Checking Bonus

$300

bonus value

$300 when you open a new Citizens One Deposit Checking account and receive one direct deposit of $500+ within 60 days. Add a same-day personal savings account for $100 more ($400 total).

Expires: Oct 25, 2026

Requirements

1

Open One Deposit Checking

New Citizens Bank checking customers in CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT

2

Receive a direct deposit of $500+

One qualifying direct deposit within 60 days of account opening

3

Optional: open personal savings the same day

Deposit $350+ per month for three consecutive months for an extra $100

4

Keep account open

Bonus paid on a fixed date keyed to your opening month, roughly 90–150 days out

Details

Minimum Deposit$500
Monthly Fee$10
Fee WaiverOne deposit of any amount per monthly statement period
Keep Open6 months min
Cooldown Period12 months
Direct DepositRequired

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Terms & Conditions

New Citizens Bank checking customers only. Must make a single deposit of $500+ within 60 days — can be cash, check, or electronic deposit. Account must remain open for 6 months. Monthly fee waived with one deposit of any amount per statement period. Bonus paid within 90 days of meeting requirements. Bonus reported on Form 1099-INT. Available in states with Citizens Bank branches.

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Bonus Calculator

1 mo6 months24 mo
Bonus+$300
Net Value$300
Effective APY120.0%

Based on $500 deposit for 6 months

Eligible AgainAfter 12 months