Citizens Bank
Citizens Bank One Deposit Checking $400 Bonus
Citizens Bank pays you $400 when you open a One Deposit Checking account and make one direct deposit of $1,000 or more within 60 days. Available in 14 Northeast/Mid-Atlantic states plus D.C. No credit pull beyond a soft check when you opt out of overdraft protection.
- Bonus amount
- $400
- Expires
- Oct 4, 2026
- Time to complete
- ~60 days
- Bonus deposited in
- ~90 days
- Difficulty
- Easy
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Requirements
Last verified: Jul 22, 2026
Open a Citizens One Deposit Checking account
Open your first personal Citizens checking account through the offer link between July 1, 2026 and October 4, 2026.
Qualifying direct deposit
Make a single direct deposit of $1,000 or more within 60 days of account opening.
Citizens pays by a fixed calendar date keyed to the month you opened the account (roughly 90-150 days out) rather than a fixed N days after the deposit -- see the offer page's payout table for your exact date.
Account Details
- One deposit (of any amount) posted each statement period
The account must stay open and funded through the bonus payout date, which Citizens sets by the calendar month you opened in (roughly 120-150 days after account opening, not just 60 days from the direct deposit).
Eligibility
Cannot be or have been a signer on any other Citizens personal checking or savings account within the previous 6 months.
- Must reside in an eligible state.
- Must open through the specific promo link -- opening through the general site does not attach the offer.
Tips & Gotchas
- →You must open the account through this specific promo link -- opening from the general Citizens homepage or app will not attach the offer to your account.
- →Zelle, Cash App, Venmo, and PayPal transfers do NOT count as a qualifying direct deposit.
- →Citizens' in-app promo tracker can show unrelated past or targeted promotions -- confirm you are looking at the tracker entry for this specific $400 offer.
- →Opt out of overdraft protection if you want to avoid a hard credit pull; DoC community reports indicate the inquiry is a soft pull when overdraft protection is declined.
- →The account must stay open and funded through the payout date on the offer page's table (not just 60 days) -- closing early forfeits the bonus.
Direct Deposit Data Points 251
251 community reports across 25 transfer sources, showing what triggers a qualifying direct deposit at Citizens Bank.
Can You Earn This Bonus Again?
Fine Print
Offer available only to residents of CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, and VA. Primary signer may not have been a signer on any Citizens personal checking or savings account in the previous 6 months. One bonus per person. Bonus reported on Form 1099-INT.
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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