Here's how it works:
Get $250
when you open your first personal checking account and make one or more direct deposits totaling $1,000 or more within 60 days.1
and get $250
when you open your first personal savings account on the same day. Then make deposit(s) totaling $5,000 or more within 10 days. A minimum balance of $5,000 must be on deposit as of the last calendar day of each month for three consecutive months, starting the month after the accounts are opened.1
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1 Bonus: To earn a $250 Checking bonus, open your first personal checking account between 9/16/26 and 9/19/26 and have at least one single or multiple direct deposits totaling $1,000 or more post into your new checking account within 60 days of account opening. To earn a $250 Savings bonus, open your first personal savings account on the same date as the above new checking account (direct deposit not required) and have a single or multiple deposits totaling a minimum of $5,000 post into your new savings account within 10 days of account opening. A minimum balance of $5,000 must be on deposit as of the last calendar day of each month shown on the table below. To earn the total $500 bonus, you must qualify for both the Checking and Savings bonuses noted above.
Eligibility: Primary signer may not be or have been a signer on any other Citizens personal checking or savings account within the previous six months. New account(s) must have a balance greater than zero and remain open and active through the payout date. Any account that remains at a zero balance may be closed if it is not funded. Direct deposit is recurring income electronically deposited into your Citizens Checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible direct deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®. Customer is eligible for a one-time bonus for this promotion. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens' sole discretion. Citizens Private Bank® Checking, Citizens Private Bank® Savings, and Citizens Access® Online Savings accounts are not eligible for this promotion.
Payout: The bonus, labeled as "Promo Bonus," will be deposited to the new checking account by the payout date and will be reported to the IRS for income tax purposes. If your new checking account is closed prior to payout date, then your new savings account will also no longer be eligible for this offer. Reference table below for key dates.
| Accounts opened on the same day between: | Direct deposit(s) totaling $1,000 or more into first personal checking account: | Minimum $5,000 deposit(s) into first savings account within 10 days of account opening AND required to be on deposit on the last calendar day for each of the months below: | Bonus will be paid to first personal checking account by end of day: |
|---|---|---|---|
| September 16, 2026 and September 19, 2026 | Within 60 days of account open date | October, November, December | January 31, 2027 |
We have multiple checking and savings options, for example if you open Citizens Quest® Checking and Savings the minimum opening balance can be of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest Checking varies by tier. For example, as of 8/13/2026, 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+. Variable-rate APY for Citizens Quest Savings varies by tier. For example, as of 8/13/2026, APY by tier for Citizens Quest Savings 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 before or after account opening. To review the current rate for your account, visit citizensbank.com. You must make $5,000 in total deposits to your primary checking each statement period OR maintain a $25,000 monthly combined deposit and investment* balance across your linked accounts to waive the Citizens Quest Checking $25 monthly maintenance fee.
* Investments are offered through Citizens Wealth Management.