Citizens Bank
Citizens Bank Checking + Savings $600 – $1,800 Bonus
Citizens Bank pays a monthly savings bonus for 12 months when you open a new checking account and a new savings account on the same day by November 15, 2026, and move in $15,000 or more of new money in one deposit within 10 business days. Each month you keep $15,000-$39,999 in the savings account earns $50 (up to $600), and each month at $40,000 or more earns $150 (up to $1,800). The checking account can also earn a monthly bonus equal to your gas purchases on the Citizens debit card. Northeast, Mid-Atlantic, Michigan, Ohio and Florida bank.
- Bonus range
- $600 – $1,800
- Expires
- Nov 15, 2026
- Time to complete
- ~365 days
- Paid after opening
- ~425 days
- Difficulty
- Hard
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money
Requirements
Last verified: Nov 9, 2026
$600 Tier
Open new checking and new savings the same day
Open a first new personal checking account (One Deposit, EverValue, Quest, Private Client or Student Checking) and a new One Deposit, Quest or Private Client Savings account on the same day between October 1 and November 15, 2026, from the Citizens offer page or in a branch. Citizens' branches are in the Northeast, Mid-Atlantic, Michigan, Ohio and Florida, and its application does not say whether it accepts other states.
One deposit of $15,000+ in new money within 10 business days
Make one single deposit of at least $15,000 in new money from an external source into the new savings account no later than 10 business days after opening. Several smaller deposits do not count toward this.
Keep $15,000+ in savings each month for 12 months
For each calendar month, an end-of-day savings balance of $15,000 to $39,999.99 earns $50 for that month, for 12 months ($600 total). Citizens sets the tier separately each month, so a lower balance in one month earns the lower tier or nothing for that month only.
$1,800 Tier
Open new checking and new savings the same day
Open a first new personal checking account (One Deposit, EverValue, Quest, Private Client or Student Checking) and a new One Deposit, Quest or Private Client Savings account on the same day between October 1 and November 15, 2026, from the Citizens offer page or in a branch. Citizens' branches are in the Northeast, Mid-Atlantic, Michigan, Ohio and Florida, and its application does not say whether it accepts other states.
One deposit of $15,000+ in new money within 10 business days
Make one single deposit of at least $15,000 in new money from an external source into the new savings account no later than 10 business days after opening. Several smaller deposits do not count toward this.
Keep $40,000+ in savings each month for 12 months
For each calendar month, an end-of-day savings balance of $40,000 or more earns $150 for that month, for 12 months ($1,800 total). Citizens sets the tier separately each month, so a lower balance in one month earns the lower tier or nothing for that month only.
Paid monthly: $50 for each month your savings balance qualifies, deposited on the last day of the following month, for up to 12 months. Accounts opened in October earn from November 2026 through October 2027.
Get new bonuses in your inbox
One email a week: new bank bonuses, deadlines about to pass, and fresh community datapoints. Free. No spam, unsubscribe anytime. If nothing changed, we skip the week.
Account Details
- One Deposit Checking: $9.99 monthly fee waived with one deposit of any amount each statement period.
- One Deposit Savings: $4.99 monthly fee waived with one deposit each statement period, a $200 minimum daily balance, or an owner under 25 or 65 and older. The first 4 monthly fees are waived automatically.
- Citizens Quest Checking: $25 monthly fee waived with $5,000 in total deposits to checking each statement period or $25,000 in combined deposits and investments. Quest Savings has no monthly fee.
Bonuses are earned month by month for 12 months, so both accounts have to stay open for the full year to collect the full amount. Each month's bonus pays on the last day of the following month.
Eligibility
The primary signer may not be or have been a signer on any other Citizens personal or business checking account in the previous 6 months. Current or prior Citizens savings accounts are allowed.
- Open a first new eligible checking account and a new eligible savings account on the same day between October 1 and November 15, 2026.
- Citizens' application does not state a residency rule, and Citizens' retail branches are in the Northeast, Mid-Atlantic, Michigan, Ohio and Florida. Out-of-area approval is unconfirmed.
- Citizens Private Bank and Citizens Access accounts are not eligible.
Tips & Gotchas
- The headline is the savings bonus only. The checking account can add a monthly bonus equal to your gas purchases on the Citizens debit card (up to $50 a month on One Deposit, EverValue or Student Checking, up to $100 a month on Quest or Private Client) in any month with $1,000+ in direct deposits. Zelle, Cash App, Venmo and PayPal do not count as direct deposits.
- The bonus is paid a month at a time, so keep both accounts open for the full 12 months to collect it all. Closing the savings account early forfeits the months not yet paid.
- The $15,000 has to arrive as one single deposit of new money from outside Citizens within 10 business days of opening.
- You cannot have been a signer on another Citizens checking account in the last 6 months. Existing Citizens savings customers can still qualify.
- Make one deposit to each account every statement period to waive the One Deposit fees ($9.99 checking, $4.99 savings).
Direct Deposit Data Points 161
161 community reports across 27 transfer sources, showing what triggers a qualifying direct deposit at Citizens Bank.
How long until the bonus posts? The most recent community reports average about 114 days. See 109 reports on Citizens Bank Checking payout timelines
Can You Earn This Bonus Again?
Fine Print
To qualify for this promotion, customers must open both a first new eligible checking account and a new eligible savings account on the same day between October 1 and November 15, 2026. Make one single deposit totaling at least $15,000 in new money into the new savings account no later than 10 business days after account opening from an external funding source. For each calendar month, earn $50 if the new savings account's end-of-day daily balance is $15,000 through $39,999.99, or $150 if that balance is $40,000 or more. The maximum savings bonus is $1,800. The primary signer may not be or have been a signer on any other Citizens personal or business checking accounts within the previous 6 months. Each customer may participate in the consumer offer once. Bonuses may be reported to the IRS.
Taxable income
Related Articles
What is a high-yield savings account (HYSA)?
A savings account that pays a significantly higher interest rate than a standard savings account.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money