Citi
Citi Enhanced Direct Deposit Checking $325 Bonus
Citi pays you $325 when you open an Enhanced Direct Deposit Checking account by October 26, 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
- ~120 days
- Difficulty
- Medium
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Requirements
Last verified: Aug 18, 2026
Open account
Open a new Citi Regular Checking account with Enhanced Direct Deposits by October 26, 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).
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 October 26, 2026.
Tips & Gotchas
- →An Enhanced Direct Deposit is an ACH deposit of payroll, pension, Social Security, or government benefits. Citi also counts incoming Zelle and ACH person-to-person payments from providers like Venmo and PayPal.
- →These do NOT count: teller, cash, check, and mobile check deposits, wire transfers, transfers between your own Citi accounts, ATM deposits, debit card funding transfers, and anything sent by instant transfer.
- →Only new checking customers qualify, and the account must stay open and in good standing until the bonus posts.
- →The $15 monthly fee is waived in any month the account receives $250 or more in Enhanced Direct Deposits. The only other waiver is a Relationship Tier, which needs a $30,000 combined average monthly balance.
Direct Deposit Data Points 273
273 community reports across 38 transfer sources, showing what triggers a qualifying direct deposit at Citi.
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?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
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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