Here's how:
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
Get more out of your debit card and automate your savings.
Turn spare change from your debit card purchases into more savings with Round Ups,2 available in the Citizens Savings Tracker®3 on the mobile app.4 Open a savings account to get started.
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1 To Earn Bonus: To earn a $300 Checking bonus, open your first new personal checking account between 1/16/26 and 1/26/26 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 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.
Eligibility: Primary signer may not be or have been a signer on any other Citizens personal checking 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®. 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 through ACH using checking account and routing number, Zelle® transactions and ATM transactions do not qualify. Customer is eligible for a one-time bonus for this promotion. Customers should print this screen for their records. Offers may be withdrawn without notice and cannot be combined with any other checking offer.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 and Citizens Private Bank® Savings accounts are not eligible for this promotion.
Payout: The bonus, labeled as “Balance Builder Bonus,” will be deposited to the new checking account by the payout date and will be reported to the IRS for income tax purposes. Reference table below for key dates.
| Account opened in the month of: | $1,000 direct deposit into first new personal checking account: | Qualifying debit card purchases to first new personal checking account: | Bonus will be paid by end of day: |
|---|---|---|---|
| January 16-26, 2026 | Within 60 days of account open date | Within 60 days of account open date | May 31, 2026 |
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 12/8/2025, 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.
2 Subject to available funds. Additional amount of transfer determined by customer.
3 Subject to account eligibility. Only available on the Citizens Bank Mobile Banking application. Text and data rates may apply.
4 Wireless carrier, text and/or data charges may apply.
Investments are offered through Citizens Wealth Management.
Banking products are offered through Citizens Bank, N.A.
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