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Citi
Citi Enhanced Direct Deposit Checking $325 Bonus
Citi pays you $325 when you open an Enhanced Direct Deposit Checking account by April 13, 2026 and receive two enhanced direct deposits totaling $3,000 or more within 90 days. There is a $15 monthly fee, waivable with $250 in monthly direct deposits or a $1,500 balance. The bonus posts within 30 days after you complete the requirements.
- Bonus amount
- $325
- Expires
- Oct 26, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~30 days
- Difficulty
- Medium
Requirements
Last verified: May 5, 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 45
Community-reported results for what triggers a qualifying direct deposit at Citi.
Account Details
- Monthly fee waived with $250 in Enhanced Direct Deposits or a $1,500 combined average monthly balance.
Keep the account open until the bonus posts (within 30 days after meeting requirements).
Eligibility
Cannot have owned a Citi checking account within the last 365 days or have received a Citi checking bonus.
- Must open by April 13, 2026.
Can You Earn This Bonus Again?
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.
Does Zelle Count as Direct Deposit for Bank Bonuses?
No. Zelle payments don't count as direct deposit for bank bonuses. Here's why it fails and what to use instead so the bank pays you.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
Also see: this month's best bank bonuses and community DD data points.
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