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forum thread Posted by David36 • Dec 12, 2022
forum thread Posted by David36 • Dec 12, 2022

Open Citizens Checking & Get $400

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Deal Details
GET $300
When you open your first new checking account
Open your first new personal checking account and make a direct deposit of $500 or more within 60 days.

then,

GET UP TO $100
When you use your new debit card for purchases
Earn $2 for every debit card purchase you make, up to $100 within the next 60 days.


We request a "soft" credit pull to facilitate the processing of your application. A soft credit pull is an inquiry into your credit history that does not adversely affect your credit score.



*FINE PRINT*

1To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 12/1/2022 to 3/16/2023 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening. Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card transactions from all cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify. Eligibility: Customer must open their first new checking account via Citizens' online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. One debit card bonus per checking account. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens' sole discretion. Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as "Balance Builder Bonus". Bonus will be reported to the IRS for income tax purposes. We have multiple checking and savings options, for example if you open Citizens Quest™ Checking: Minimum opening balance of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest Checking varies by tier. For example, as of 12/1/2022, APY by tier for Citizens Quest Checking is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening. Total monthly deposits into checking OR minimum balance requirements apply to waive the Citizens Quest Checking $25 monthly maintenance fee. One Deposit Checking: Just one deposit of any amount each statement period waives the monthly maintenance fee on a One Deposit Checking account from Citizens. Citizens Wealth™ Checking: Minimum opening balance of any amount. Clients must maintain $200,000 in monthly combined deposit and investment to be eligible for Wealth Checking. Variable-rate Annual Percentage Yield (APY) for Citizens Wealth Checking varies by tier. For example, as of 12/1/2022, APY by tier for Citizens Wealth Checking is: 0.02% for tiers below $10,000, $10,000+, $25,000+, $50,000+, $100,000+, $250,000+, $500,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening.



https://www.citizensbank.com/prom...er-g2.aspx
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
GET $300
When you open your first new checking account
Open your first new personal checking account and make a direct deposit of $500 or more within 60 days.

then,

GET UP TO $100
When you use your new debit card for purchases
Earn $2 for every debit card purchase you make, up to $100 within the next 60 days.


We request a "soft" credit pull to facilitate the processing of your application. A soft credit pull is an inquiry into your credit history that does not adversely affect your credit score.



*FINE PRINT*

1To Earn Bonus: To earn a $300 bonus, open your first new personal checking account between 12/1/2022 to 3/16/2023 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn up to $100, get paid $2 per qualified debit transaction that post and clear your new checking account within 60 days of account opening. Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. The new account must be open with a balance greater than zero and in good standing through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Qualified debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card transactions from all cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify. Eligibility: Customer must open their first new checking account via Citizens' online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. One debit card bonus per checking account. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens' sole discretion. Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as "Balance Builder Bonus". Bonus will be reported to the IRS for income tax purposes. We have multiple checking and savings options, for example if you open Citizens Quest™ Checking: Minimum opening balance of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest Checking varies by tier. For example, as of 12/1/2022, APY by tier for Citizens Quest Checking is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening. Total monthly deposits into checking OR minimum balance requirements apply to waive the Citizens Quest Checking $25 monthly maintenance fee. One Deposit Checking: Just one deposit of any amount each statement period waives the monthly maintenance fee on a One Deposit Checking account from Citizens. Citizens Wealth™ Checking: Minimum opening balance of any amount. Clients must maintain $200,000 in monthly combined deposit and investment to be eligible for Wealth Checking. Variable-rate Annual Percentage Yield (APY) for Citizens Wealth Checking varies by tier. For example, as of 12/1/2022, APY by tier for Citizens Wealth Checking is: 0.02% for tiers below $10,000, $10,000+, $25,000+, $50,000+, $100,000+, $250,000+, $500,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change after account opening.



https://www.citizensbank.com/prom...er-g2.aspx

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33 Comments

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Pro
Dec 13, 2022
1,735 Posts
Joined Jun 2005
Dec 13, 2022
mtnagel
Pro
Dec 13, 2022
1,735 Posts
I did this earlier this year and it was very easy to do assuming you can easily change your DD. For the debit transactions, I just did 50x balance reloads on Amazon. I closed my account at the end of June so looks like I can do this again soon.
Dec 13, 2022
2,373 Posts
Joined Sep 2011
Dec 13, 2022
santy83
Dec 13, 2022
2,373 Posts
Any state restrictions?
Dec 13, 2022
1,164 Posts
Joined May 2019
Dec 13, 2022
Max_CreditCards
Dec 13, 2022
1,164 Posts
Quote from mtnagel :
I did this earlier this year and it was very easy to do assuming you can easily change your DD. For the debit transactions, I just did 50x balance reloads on Amazon. I closed my account at the end of June so looks like I can do this again soon.
Nicely done. Yeah i agree, being able to easily change your DD makes these offers much easier to do. Having the ability to change and split my DD myself in our payroll system i took advantage of a dozen or so of these offers last year from different banks. And thanks to Zelle being integrated in majority of bank's online banking, moving funds around instantly with no charge to your primary account helped tremendously
Dec 13, 2022
7,488 Posts
Joined Sep 2008
Dec 13, 2022
DogAndPony
Dec 13, 2022
7,488 Posts
Quote :
Offer eligibility is determined at Citizens' sole discretion.
Well that sounds concerning.

If I've had a Citizens account am I eligible? No idea.

I had an HSBC account that was transferred to Citizens at the beginning of this year so I may or may not be eligible. Not going to risk it, even though it sounds like an easy bonus to get.
Dec 13, 2022
2,354 Posts
Joined May 2008
Dec 13, 2022
LightningDemon
Dec 13, 2022
2,354 Posts
I REALLY need to keep better track of when I close accounts. Frown
1
Dec 13, 2022
1,282 Posts
Joined Jun 2013
Dec 13, 2022
Nudle
Dec 13, 2022
1,282 Posts
Is PP transfer considered direct deposit?
Dec 13, 2022
1,555 Posts
Joined Nov 2011
Dec 13, 2022
sunboy129
Dec 13, 2022
1,555 Posts
Says unavailable at my zip code. Can we use different state zip code and still be eligible?

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Pro
Dec 13, 2022
1,735 Posts
Joined Jun 2005
Dec 13, 2022
mtnagel
Pro
Dec 13, 2022
1,735 Posts
Quote from Max_CreditCards :
Nicely done. Yeah i agree, being able to easily change your DD makes these offers much easier to do. Having the ability to change and split my DD myself in our payroll system i took advantage of a dozen or so of these offers last year from different banks. And thanks to Zelle being integrated in majority of bank's online banking, moving funds around instantly with no charge to your primary account helped tremendously
Yeah, I can change my DD myself easily and I get paid every 2 weeks so I was able to take advantage of 12 of these bonuses this year for a total of $3520 in bonuses.
Quote from LightningDemon :
I REALLY need to keep better track of when I close accounts.
I use a spreadsheet. You really do need to be organized to take advantage of these and not miss some detail and miss the bonus or get charged a fee.
Pro
Dec 13, 2022
1,735 Posts
Joined Jun 2005
Dec 13, 2022
mtnagel
Pro
Dec 13, 2022
1,735 Posts
If anyone is looking for another, there is a Wells Fargo $350 bonus for a $1k DD. I'll do this one first, then the Citizens one early next year.

https://bonusoffer.wf.com/welcomebonus
Pro
Dec 13, 2022
1,735 Posts
Joined Jun 2005
Dec 13, 2022
mtnagel
Pro
Dec 13, 2022
1,735 Posts
Quote from Nudle :
Is PP transfer considered direct deposit?
I'm going to guess the overlords will remove this link, but if you go here, people report which accounts work for a DD. In 2018, someone said paypal worked. Will it still work today? No clue.

https://www.doctorofcredit.com/ct...g-bonus-2/
Original Poster
Dec 13, 2022
1,480 Posts
Joined Jun 2007
Dec 13, 2022
David36
Original Poster
Dec 13, 2022
1,480 Posts
Quote from Max_CreditCards :
Nicely done. Yeah i agree, being able to easily change your DD makes these offers much easier to do. Having the ability to change and split my DD myself in our payroll system i took advantage of a dozen or so of these offers last year from different banks. And thanks to Zelle being integrated in majority of bank's online banking, moving funds around instantly with no charge to your primary account helped tremendously
You mean you use Zelle and it counts as DD or you just saying to move $ around?

This deal requires DD? I did not see that??
Original Poster
Dec 13, 2022
1,480 Posts
Joined Jun 2007
Dec 13, 2022
David36
Original Poster
Dec 13, 2022
1,480 Posts
Quote from LightningDemon :
I REALLY need to keep better track of when I close accounts. Frown

LOL i was thinking of creating an App just for that :-)
Original Poster
Dec 13, 2022
1,480 Posts
Joined Jun 2007
Dec 13, 2022
David36
Original Poster
Dec 13, 2022
1,480 Posts
Quote from santy83 :
Any state restrictions?
]
Not 100% sure, but someone posted on some site the following are good to go

CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
Dec 14, 2022
2,354 Posts
Joined May 2008
Dec 14, 2022
LightningDemon
Dec 14, 2022
2,354 Posts
Quote from mtnagel :
Yeah, I can change my DD myself easily and I get paid every 2 weeks so I was able to take advantage of 12 of these bonuses this year for a total of $3520 in bonuses.

I use a spreadsheet. You really do need to be organized to take advantage of these and not miss some detail and miss the bonus or get charged a fee.

I DO use a spreadsheet to keep track of bills, bank accounts, etc.. I have 82 credit cards, lol. My bank accounts are listed but I never kept track of when I opened or closed them. I'll have to add a new column I guess. :/

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Dec 14, 2022
313 Posts
Joined Dec 2009
Dec 14, 2022
natureboy621k
Dec 14, 2022
313 Posts
Quote from LightningDemon :
I DO use a spreadsheet to keep track of bills, bank accounts, etc.. I have 82 credit cards, lol. My bank accounts are listed but I never kept track of when I opened or closed them. I'll have to add a new column I guess. :/
82 credit cards including your family members' ?

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