Ready to make the switch? Here's how you can earn up to $5001 and then securely switch your saved payment methods to Citizens:
Get $300
when you open your first new personal Citizens Checking account and make one or more direct deposits totaling $1,000 within 60 days.1
and
Get up to $200
when you use your new Citizens debit card for purchases. Earn $2 for each qualifying debit card purchase made within 60 days of account opening, up to $200.1
Your payments. Easily switched.
Switch your saved payment methods to your new Citizens debit card or checking account for bills, subscriptions, and online stores. Update quickly in the Citizens mobile app.*
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
* Wireless carrier, text and/or data charges may apply.
1 To Earn Bonus: To earn a $300 Checking bonus, open your first new personal checking account between 8/15/25 and 8/23/25 and have at least one single direct deposit of $1,000 or multiple direct deposits totaling $1,000 or more post into your new checking account within 60 days of account opening. To earn up to $200, get paid $2 per qualified debit card purchase 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. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. 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®. Qualified debit card purchases include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card purchases from all cards on the checking account count toward the bonus. Online Bill Payments, Zelle® transactions and ATM transactions do not qualify.
Eligibility: Customers 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 new checking or debit card 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.
| Account opened between: | $1,000 direct deposit into first new personal checking account: | Qualifying debit card purchases that post and clear to first new personal checking account: | Bonus will be paid by end of day: |
|---|---|---|---|
| 8/15/25 and 8/23/25 | Within 60 days of account open date | Within 60 days of account open date | December 31, 2025 |
We have multiple checking options, for example if you open Citizens Quest® Checking 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 7/2/2025, 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 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.
Available in-branch only. Offer expires 8/23/2025.
Investments are offered through Citizens Wealth Management.