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Citibank has a $475 bonus for opening a new Checking and Savings account if you complete some additional activities. If that link doesn’t work, there is also this $325 bonus link for a new Checking only Current offer expiration date is January 11, 2027.

You must open the accounts through the offer page, and you can’t have owned a Citi checking account in the last 365 days. Within 45 days of opening the Regular Checking account, you need at least two “Enhanced Direct Deposits” totaling $3,000 or more. You must also open a Citi Savings account within 45 days, and keep a balance of at least $5,000 in it every day from day 46 through day 90.

“Enhanced Direct Deposit” is much more inclusive than a normal paycheck deposit. It specifically includes ACH transfers and payments received from another financial institution and payments from Zelle® and other payment apps like Venmo or PayPal when processed as ACH transfers. Basically, this promo does not need a direct deposit as long as you can move some money around via ACH transfer.

There is a checking-only version of this promotion pays $325 for the same $3,000 in deposits. So the savings part is worth an extra $150 for keeping $5,000 parked for about six weeks. That’s 3% over roughly 45 days, which annualizes to 24%. So it’s worth going for it if you have the cash.

Regular Checking has a $15 monthly fee, waived with $250+ in Enhanced Direct Deposits each month ($1,000+ starting January 1, 2027.) Citi Savings has $4.50 monthly fee, waived with a Citi Checking account or with a $500+ Average Monthly Balance.