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New Citi Checking Account Cash Bonus w/ Qualifying Enhanced Direct Deposits:

$325 Bonus w/ $3K Deposit
(Online Enrollment; May Vary By State)
+53 Deal Score
83,657 Views
Citi is offering New Citi Checking Account Customers: Cash Bonus Offers w/ Qualifying Enhanced Direct Deposits listed below valid online enrollment only.

Thanks to Community Member EfficientArm1742 for posting this deal.

Note: Offer may not be available in all states.

Deal Instructions:
  1. Open a new eligible Citi Checking account with Enhanced Direct Deposits and enroll in this offer by applying directly from the promotion page.
  2. Deposit at least two (2) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal $3,000 or more. Deposits made to a savings account are not eligible.
    • An Enhanced Direct Deposit (EDD) is an electronic deposit through the Automated Clearing House ("ACH") Network of payroll, pension, Social Security, government benefits and other payments to your checking or savings account. An EDD also includes Zelle incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.
  3. You will receive the following cash bonus:
    • $325 when you make $3,000 in qualifying Enhanced Direct Deposits


No Longer Available:
    • $450 when you make $6,000 in qualifying Enhanced Direct Deposits
      • You will only be awarded one Bonus amount, corresponding to the highest sum of all Enhanced Direct Deposits in your Checking Account's "Available Now" funds made within 90 calendar days of opening your new Checking Account

Original Post

Written by
Edited January 17, 2025 at 09:58 PM by
Citi [citi.com] is offering their Citi Checking Account Offer: Open An Eligible Account + Deposit at least Two Enhanced Direct Deposits (EDDs) totaling at least $3000 (within 90-days of account opening) and earn $325 Cash Bonus credited to your account or when you follow the instructions listed below.

OR

Citi [citi.com] is offering their Citi Checking Account Offer: Open An Eligible Account + Deposit at least Two Enhanced Direct Deposits (EDDs) totaling at least $6000 (within 90-days of account opening) and earn $450 Cash Bonus credited to your account or when you follow the instructions below. Expired

Note: Some of the products offered by Citi may vary between locations.

Explore the eligible checking accounts via the promotional page: Citi Access Checkings or Citi Regular Checkings

Deal Instructions:
  • Click this link [citi.com] here
  • Open a qualifying Citi Checking Account via online by January 7, 2025
  • Deposit at least two "Enhanced Direct Deposits" (EDDs) totaling at least $3000 or $6000 within 90 days of account opening
  • Your $325 or $450 cash bonus will be credited within 30 days of the account completing all required activities
Notes:
  • Promotional period is between 10/9/24 and 1/7/25.
  • States may vary. Input ZIP code into here [citi.com] to see whether you are eligible for the offer.
  • Sign up bonuses count as taxable income and are subject to federal and state income taxes. They will be taxed according to the tax bracket you are in after accounting for the sign up bonus.
  • No Minimum Deposit to open Citi Access Checkings or Citi Regular Checkings.
  • Citi Access Checkings has a monthly maintenance fee of $5 or $0 if the account has gotten $250+ in Enhanced Direct Deposits per monthly service charge cycle.
  • Citi Regular Checkings has a monthly maintenance fee of $15 or $0 if if the account has gotten $250+ in Enhanced Direct Deposits per monthly service charge cycle.
  • The monthly maintenance fee is waived for the first 3 months after accounting opening for both Citi Access Checkings and Citi Regular Checkings.
  • No early account termination fee.
  • An Enhanced Direct Deposit (EDD) is an electronic deposit through the Automated Clearing House ("ACH") Network of payroll, pension, Social Security, government benefits and other payments to your checking or savings account. An EDD also includes Zelle® incoming payments and other funds from person-to-person (P2P) payments when transferred through the ACH Network using providers such as Venmo or PayPal.
  • Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, debit card funding transfers, and P2P payment transfers sent to a Citibank debit card do not qualify as EDDs. Any funds transferred from another financial institution or P2P provider through an instant transfer service will also not qualify as an EDD.
  • Some bank transfers and online transfers may qualify as direct deposits. Click here [doctorofcredit.com] to see which banks and companies code their transfers as direct deposits for Citi Bank.
  • So long as you have not owned a Citibank checking account in the last 365 days, meet Tax Requirements, and are at least 18 years old, you can apply to participate in the Enhanced Direct Deposit Checking Acquisition Offer ("Enhanced Direct Deposit Offer").
QA Note: $450 bonus offer is expired. $325 offer has been extended to 3/12/25
Add Comment
Created 11-13-2024 at 07:10 AM by EfficientArm1742
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Deal
Score
+53
83,657 Views
$325 Bonus w/ $3K Deposit
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

119 Comments

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Featured Comments

It is really easy to clear the direct deposit requirements because Paypal and Zelle inbound transfers count as an EDD. However, DO NOT, and I repeat DO NOT use Zelle to transfer money out. It is very common to be put on a fraud hold if you transfer money out using Zelle. Transfer money out by using a trusted hub account to pull funds. If you don't have a hub account, then wait after the bonus posts then try to do a external transfer.

What is a hub account? A Hub Bank Account is simply a bank account that will make it easy to electronically transfer money into and out of your other accounts. Within your bank account, you can do an electronic funds transfer service that allows you to initiate bank-to-bank transfers (known as ACH transfer).
Their banking system is horrible. Most likely they will flag your account after your first transfer and will block all the money. You won't find an official looking phone number because they have dozens of them. There have been many scams where you get mail posing as Citibank and even their official mails aren't that convincing. I had a hard time getting my money back and going back and forth with them. I closed my account as soon as I got it back. Never again
In the notes section:
"So long as you have not owned a Citibank checking account in the last 365 days, meet Tax Requirements, and are at least 18 years old, you can apply to participate in the Enhanced Direct Deposit Checking Acquisition Offer ("Enhanced Direct Deposit Offer")."

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Joined Mar 2015
L2: Beginner
> bubble2 40 Posts
26 Reputation
msam11
11-15-2024 at 08:12 AM.
11-15-2024 at 08:12 AM.
What is considered a new checking account. I closed mine back in march 2024

found answer from citi:
new customers who have not been an owner of a Citibank account within the last 180 calendar days
1
Reply
Last edited by msam11 November 15, 2024 at 08:25 AM.
Joined May 2019
L3: Novice
> bubble2 225 Posts
33 Reputation
WindsurferGSO
11-15-2024 at 10:02 AM.
11-15-2024 at 10:02 AM.
Citibank have denied my claim against Expedia . I lost 5K then a year later found out that hotel refunded them the money then Expedia refunded. . They are not customer centric . Be aware . I'll get this deal just to take advantage of them .
Reply
Joined Aug 2020
L2: Beginner
> bubble2 26 Posts
10 Reputation
StrongSnow8787
11-15-2024 at 11:47 AM.
11-15-2024 at 11:47 AM.
Quote from SharpDesk6192 :
On the website it says:
Your bonus will be deposited as a credit to your open, eligible checking account within 30 days after the end of the 90-calendar day qualification period.

I was under the impression that you have to wait 90 days to get a bonus credited to your account. I planned to make 2 deposits closer to the end of the 90 days period. Am I not understanding this correctly?
They will wait 90 days for you to complete the requirement, but if complete before they 90 days, then they will payout. I did the 6k for $450. If I would've deposit less, then I would've to wait 90 days, but I sent the maximum and completed the requirement.
Reply
Joined Oct 2010
L6: Expert
> bubble2 1,113 Posts
35 Reputation
p_goodsales
11-15-2024 at 11:48 AM.
11-15-2024 at 11:48 AM.
Citi blocked my account after couple transactions. Struggling to get my money back.
Reply
Joined Jul 2017
L5: Journeyman
> bubble2 560 Posts
62 Reputation
chadog900
11-15-2024 at 01:10 PM.
11-15-2024 at 01:10 PM.
I've been bank churning for a decade and the one bank that consistently plays games with payouts is Citi. You can't even call in to get resolution, you're forced to go into the branch and the waits are an added hassle. Giant building with 1 banker. Since I've exhausted promos from other banks this year, I'm inclined to give this a shot, $450 is a good payout assuming there isn't nickle and dime fees and minimum requirements. Churner beware.
Reply
Joined Mar 2009
L5: Journeyman
> bubble2 928 Posts
60 Reputation
dealmasti
11-15-2024 at 01:59 PM.
11-15-2024 at 01:59 PM.
Quote from rushabshende :
Their banking system is horrible. Most likely they will flag your account after your first transfer and will block all the money. You won't find an official looking phone number because they have dozens of them. There have been many scams where you get mail posing as Citibank and even their official mails aren't that convincing. I had a hard time getting my money back and going back and forth with them. I closed my account as soon as I got it back. Never again

Long time citi user with multiple relationships. Never had any issues except for occasional customer service call annoyances.
Reply
Joined Mar 2009
L5: Journeyman
> bubble2 928 Posts
60 Reputation
dealmasti
11-15-2024 at 02:00 PM.
11-15-2024 at 02:00 PM.
Quote from chadog900 :
I've been bank churning for a decade and the one bank that consistently plays games with payouts is Citi. You can't even call in to get resolution, you're forced to go into the branch and the waits are an added hassle. Giant building with 1 banker. Since I've exhausted promos from other banks this year, I'm inclined to give this a shot, $450 is a good payout assuming there isn't nickle and dime fees and minimum requirements. Churner beware.

Good risk and control measure for them. No?
Reply

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Joined Mar 2009
L5: Journeyman
> bubble2 928 Posts
60 Reputation
dealmasti
11-15-2024 at 02:01 PM.
11-15-2024 at 02:01 PM.
Quote from p_goodsales :
Citi blocked my account after couple transactions. Struggling to get my money back.

You Must hv done something pesky, no?
Reply
Joined Oct 2010
L6: Expert
> bubble2 1,113 Posts
35 Reputation
p_goodsales
11-15-2024 at 02:09 PM.
11-15-2024 at 02:09 PM.
Quote from dealmasti :
You Must hv done something pesky, no?

Yes..I sent money to you by accident
Reply
Joined Mar 2009
L5: Journeyman
> bubble2 928 Posts
60 Reputation
dealmasti
11-15-2024 at 07:38 PM.
11-15-2024 at 07:38 PM.
Quote from p_goodsales :
Yes..I sent money to you by accident

Yep that explains it. Transactions with strangers. But Citi has systems in place to catch those. Hard luck, sorry.
Reply
Joined Dec 2009
L6: Expert
> bubble2 1,880 Posts
110 Reputation
ac6xp
11-15-2024 at 08:10 PM.
11-15-2024 at 08:10 PM.
Quote from rushabshende :
Their banking system is horrible. Most likely they will flag your account after your first transfer and will block all the money. You won't find an official looking phone number because they have dozens of them. There have been many scams where you get mail posing as Citibank and even their official mails aren't that convincing. I had a hard time getting my money back and going back and forth with them. I closed my account as soon as I got it back. Never again

Thanks for sharing
Reply
Joined Nov 2007
L6: Expert
> bubble2 1,262 Posts
211 Reputation
eric_cartman
11-15-2024 at 08:52 PM.
11-15-2024 at 08:52 PM.
Opened a savings account with Citi together with my credit card account. Got locked out of online access. Called their horrible offshore customer service and they insisted I verify my identity with an ATM card# that I never requested and which they never sent me. Took me 2 weeks and multiple calls to get logged in. Never again Citi.
Reply
Joined Aug 2010
B!tch Please
> bubble2 6,107 Posts
625 Reputation
Truth-Serum
11-17-2024 at 01:25 AM.
11-17-2024 at 01:25 AM.
What qualifies as "new customers" I closed my account last year

edit: 365 days
Reply
Last edited by Truth-Serum November 17, 2024 at 01:34 AM.
Joined Aug 2016
L6: Expert
> bubble2 1,156 Posts
154 Reputation
Batmansplumber
11-17-2024 at 04:03 AM.
11-17-2024 at 04:03 AM.
Quote from EfficientArm1742 :
Don't quote me on this but I'm pretty sure this offer is nationwide. So if you use the link for the $450 it think it would work.

Too late, I'm quoting you!
1
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Joined May 2018
L3: Novice
> bubble2 213 Posts
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ValerieAgnes
11-17-2024 at 07:29 AM.
11-17-2024 at 07:29 AM.
Quote from sminor21 :
Does any deposit from PayPal work?

No, will not work
Reply
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