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Citibank

Citibank Enhanced Direct Deposit Checking $325 Bonus

Bonus amount

$325

Expires

Apr 13, 2026

Time to complete

~90 days

Bonus deposited in

~30 days

Difficulty

Medium

Requirements

Last verified: Mar 21, 2026

Open account

Open a new eligible Citi checking account with Enhanced Direct Deposits by April 13, 2026.

Enhanced direct deposits

Receive at least two enhanced direct deposits totaling $3,000 or more within 90 days of opening.

Bonus is deposited within 30 days after completing the direct deposit requirements (between day 90 and 120).

Tips & Gotchas

  • →Enhanced direct deposits include payroll or government benefits; Zelle transfers may qualify. You must not have had a Citi checking account within the last 365 days and must maintain the account in good standing until the bonus posts. The $15 monthly fee is waived with $250 in monthly Enhanced Direct Deposits or a $1,500 balance.

Direct Deposit Data Points 1

Community-reported results for what triggers a qualifying direct deposit at Citibank.

✓ WorkedFidelity75d agoReddit ↗

One of the longer waits for a bonus, since I didn’t get their new tracker and couldn’t remember if they emailed me the e…

by u/MateoHardini

View all direct deposit data points across every bank →

Account Details

Monthly fee$15/month
Fee waiver
  • Monthly fee waived with $250 in Enhanced Direct Deposits or a $1,500 combined average monthly balance.
APY0% (as of Mar 21, 2026)
Min. hold period120 days

Keep the account open until the bonus posts (within 30 days after meeting requirements).

Early closing fee$0
Credit inquirySoft pull only
ChexSystemsSensitive (may deny negative history)
AvailabilityNationwide

Eligibility

Minimum age18+
Existing customersNot eligible

Cannot have owned a Citi checking account within the last 365 days or have received a Citi checking bonus.

Other restrictions
  • Must open by April 13, 2026.

Rechurnable?

Can rechurnNo
NotesCiti bonuses are generally limited to one per account type per person.
Portals
  • ·

Fine Print

Offer is available nationwide but may exclude certain ZIP codes. Bonus is reported as interest. See Citi’s website for complete terms.

Taxable income · Reported on 1099-INT

Related Articles

What is a direct deposit?

An electronic payment sent directly into your bank account, usually from an employer or government.

Read →

What is a fee waiver?

A condition you can meet to have the monthly maintenance fee on an account waived.

Read →

What is a hold period?

The minimum time you must keep your balance in an account before the bonus is paid out.

Read →
← Back to BonusesOpen Account at Citibank →We may earn a commission if you open an account through this link. This doesn't affect our recommendations. Learn more