Citi Checking — $325/$475
$475
Open a new Citi checking account and receive two or more Enhanced Direct Deposits within 90 days: $3,000 total earns $325 nationwide. In select markets, $5,000 total earns $475 (that version ends 10/22/2026). Enhanced Direct Deposits include payroll, government benefits and ACH-based transfers.
Affiliate link where available — see disclosure below. Always confirm terms on the bank's page.
How to earn it
- 1.Open a Citi checking account via the offer page
- 2.Receive enhanced direct deposits of $1,500+
Bonus tiers
Two+ Enhanced Direct Deposits totaling $3,000 within 90 days earns $325$325
Select markets only, until 10/22/2026: two Enhanced Direct Deposits totaling $5,000 within 90 days earns $475$475
The details
Monthly fee$12 (waivable)
Fee waiver$250+ in Enhanced Direct Deposits per month (rising to $1,000 on 01/01/2027)
Time to complete90 days from account opening
Direct depositRequired — $3,000+
ACH counts as DD?Yes (reported)
AvailabilityNationwide
Eligibility: Not eligible if you owned a Citi checking account in the past 365 days.
Notes: Updated 2026-10-20 from Doctor of Credit because the Citi page would not load for checking. Confirm on the bank page. The $475 version is limited to NY, CT, MD, VA, DC, CA, NV, NJ and select FL/IL markets.