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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 Offers may be withdrawn without notice and cannot be combined with any other checking offer.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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Dec 14, 2022
2,354 Posts
Joined May 2008
Dec 14, 2022
LightningDemon
Dec 14, 2022
2,354 Posts
Quote from natureboy621k :
82 credit cards including your family members' ?
my family members?

All of my cards belong to me and opened by me. FYI, that is paltry compared to some people who REALLY make it a hobby... one guy in particular, Ron, had close to a million in available credit and had about triple the number of cards I have.
Dec 14, 2022
6,489 Posts
Joined Feb 2006
Dec 14, 2022
karrun
Dec 14, 2022
6,489 Posts
Too bad. Illinois zip code. Unfortunately, products are not available in the Zip Code provided. Please confirm the ZIP code or use our Branch Locator to find a branch near you.
Dec 20, 2022
20 Posts
Joined Sep 2012
Dec 20, 2022
seanc9781
Dec 20, 2022
20 Posts
Quote from David36 :
]
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
Extra data point. I live in Montana and have been denied approval for Citizens offers before. This time I tried using my parents address in PA and was able to successfully open an account.

Maybe others who have been denied in the past can try this tactic.

Thank you for the free money OP and David36
Dec 28, 2022
92 Posts
Joined Oct 2013
Dec 28, 2022
DiegoC4899
Dec 28, 2022
92 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. :/
At one point the time you are using to keep track of all of this becomes more valuable than the bonuses that you may get, but the exact point is different for each person I suppose
Dec 28, 2022
3,952 Posts
Joined Sep 2007
Dec 28, 2022
Interface
Dec 28, 2022
3,952 Posts
To qualify for the $300 offer, do you have to use direct deposit or is there another way of depositng money to gert the bonus.
Dec 28, 2022
3,952 Posts
Joined Sep 2007
Dec 28, 2022
Interface
Dec 28, 2022
3,952 Posts
Quote from natureboy621k :
82 credit cards including your family members' ?
I have 2 credit cards, more than enough. 82 would drivie me insane.. trying to keep track of the balance on all those cards, etc, etfc.. You must have a huge wallet to carry them all.
Jan 4, 2023
81 Posts
Joined Nov 2022
Jan 4, 2023
ElatedHose2198
Jan 4, 2023
81 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.
When you say easy how do you mean? I just signed up end of December, my $500 deposit hit this week. Still waiting on the debit card to come in the mail. How long after your direct deposit did it take to receive the $300 bonus? From what I'm reading it seems it will take until April 30th at best. Did it take 4 months for you as well?

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Pro
Jan 4, 2023
1,738 Posts
Joined Jun 2005
Jan 4, 2023
mtnagel
Pro
Jan 4, 2023
1,738 Posts
Quote from ElatedHose2198 :
When you say easy how do you mean? I just signed up end of December, my $500 deposit hit this week. Still waiting on the debit card to come in the mail. How long after your direct deposit did it take to receive the $300 bonus? From what I'm reading it seems it will take until April 30th at best. Did it take 4 months for you as well?
I don't remember exactly how long it took and I can't access my account since I closed my account, but yes I think it did take a few months like they said.
Jan 21, 2023
49 Posts
Joined Aug 2019
Jan 21, 2023
BootyAndTheHoeFish
Jan 21, 2023
49 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.
Hey sorry I'm replying to a super old post. But was there a minimum charge you had to do on the debit card to get the 2 dollars back? Or can I just charge one dollar 50x and get the money?
Jan 21, 2023
4,351 Posts
Joined Feb 2008
Jan 21, 2023
Namelessme
Jan 21, 2023
4,351 Posts
Quote from BootyAndTheHoeFish :
Hey sorry I'm replying to a super old post. But was there a minimum charge you had to do on the debit card to get the 2 dollars back? Or can I just charge one dollar 50x and get the money?

I believe others have stated no minimum, unless they changed terms recently. You can try .50 reloads on amazon (again, assuming no changes).
Jan 21, 2023
1,522 Posts
Joined Oct 2007
Jan 21, 2023
dvdapex
Jan 21, 2023
1,522 Posts
Quote from Interface :
I have 2 credit cards, more than enough. 82 would drivie me insane.. trying to keep track of the balance on all those cards, etc, etfc.. You must have a huge wallet to carry them all.
Wallet? Sock drawer.
Pro
Jan 21, 2023
1,738 Posts
Joined Jun 2005
Jan 21, 2023
mtnagel
Pro
Jan 21, 2023
1,738 Posts
Quote from BootyAndTheHoeFish :
Hey sorry I'm replying to a super old post. But was there a minimum charge you had to do on the debit card to get the 2 dollars back? Or can I just charge one dollar 50x and get the money?
I did random amounts less than $1 of Amazon balance reloads but as Nameless says, I'm sure 50 cents would work.
Pro
Jan 21, 2023
1,738 Posts
Joined Jun 2005
Jan 21, 2023
mtnagel
Pro
Jan 21, 2023
1,738 Posts
I'm glad this was bumped so I can say F Citizens! As mentioned, I did sign up again and got "approved". So I set up a direct deposit with my company, then got a letter that said,
Quote :
We regret to inform you that we have closed the Citizens Bank account (s) referenced above. While it is never an easy decision to take this action, we recently reviewed this account(s) and have concluded that we can no longer maintain our banking relationship with you.
They never said why, but I assume it's because they know I'm just doing this to get the bonus and have no intention of using the account. Not sure why they targeted me though as I've seen others say they've done this multiple times. Anyway, I tried to change my DD, but it was too late and it got deposited in my closed account. I'm sure I'll get it back, but what a pain. So yeah, F Citizens!
Jan 21, 2023
438 Posts
Joined Feb 2010
Jan 21, 2023
comeonMan
Jan 21, 2023
438 Posts
No texas so sad

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Mar 28, 2023
1,289 Posts
Joined Aug 2011
Mar 28, 2023
BargainBob
Mar 28, 2023
1,289 Posts
1. I marked this expired but it is NOT. It is extended and you must use a different link. It's easiest to just type Citizens Bank $400 Checking Bonus into the search engine of your choice.

2. It seems that you must deposit something (ANY amount) each month to avoid a $25 maintenance fee.

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