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Citizens Bank

Citizens Bank One Deposit Checking

This bank doesn't currently have an active bonus. Here's its offer history.

$400Jul 22, 2026 – Oct 5, 2026Expired

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Direct Deposit Data Points 159

159 community reports across 27 transfer sources, showing what triggers a qualifying direct deposit at Citizens Bank.

Showing 152 of 159 reports

View all Citizens Bank direct deposit data points →

How long until the bonus posts? The most recent community reports average about 111 days. See 107 reports on Citizens Bank Checking payout timelines →

Account Details

Monthly fee$9.99/month
Fee waiver
  • One deposit (of any amount) posted each statement period
APY0%
Min. hold period120 days

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).

Credit inquirySoft pull only
ChexSystemsYes. May deny applicants with negative banking history.
AvailabilitySelect states (CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA)

Eligibility

Minimum age18+
Existing customersNot eligible

Cannot be or have been a signer on any other Citizens personal checking or savings account within the previous 6 months.

Other restrictions
  • Must reside in an eligible state.
  • Must open through the specific promo link. Opening through the general site does not attach the offer.

Can You Earn This Bonus Again?

Can rechurnYes
Cooldown180 days
NotesOne bonus per person per promotion; can requalify after the 6-month lookback resets.
Portals
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