Citi® is one of the biggest banks in the world. It has almost 700 branches in the United States and 4,000 branches in other countries. No matter where you live in the U.S., there’s likely to be a Citi location or ATM near you.

                By                    Cynthia Bowman
  • Checking and Savings Promos
  • Business Promos
  • Credit Card Promos
  • Other Offers
  • Choosing Citi

Like many banks, Citi offers promotions to attract new customers to the bank. Banks want your business and are willing to pay you for it. You can earn hundreds of dollars by signing up for a new account and following a few steps.

These Citi promotions were selected because they represent the variety of bonuses Citi customers can earn this month. They are also easy to earn as long as you qualify for the account. In most cases, you can earn the bonus cash just by using your account — no Citi coupons required.

More From Your Money: Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today.

Best Citi Checking and Savings Account Promotions

If you’re looking for free money for your checking account, you’ve come to the right place.

Citi Personal Checking Account: Up to $2,000 Bonus

New customers who open a new checking account in an eligible account package can claim a bonus of up to $2,000 if they are able to meet the deposit minimum and maintain it for a period of 60 days. Eligible account packages include the Citigold® Account Package, Citi Priority Package, Citibank® Account Package or Basic Banking Package — regular checking only, so customers of all means should be able to find an account that works for them.

  • Cash value: Up to $2,000
  • Minimum deposit to qualify: $10,000
  • Expiration date: Apr. 4, 2023
  • How to get it:
  • After opening a new checking account in an eligible package and enrolling in the offer directly from the offer page or with a Citi representative, either by phone or in-branch, deposit the qualifying amount within 20 days of opening the account. Your bonus amount will be determined based on the balance in your account on the 20th day. Tip: If you open a new Citi Savings Account in the same package as the checking account, the balance in your savings account will count toward the bonus requirements. The bonus tiers are as follows:
  • $10,000-$29,999: $200 bonus
  • $30,000-$74,999: $500 bonus
  • $75,000-$199,999: $1,000 bonus
  • $200,000-$299,999: $1,500 bonus
  • $300,000 and above: $2,000 bonus
  • After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60 days after the 21st day to receive the cash bonus. Refer to the offer for full terms and conditions.
  • When you’ll get it: Within 30 days of completing the required activities.
  • Terms and conditions: You must be at least 18 years of age, meet the balance requirements described above with new-to-Citi funds and not have held a Citi checking account in the past six months. Your account must be open and in good standing to receive the bonus.
  • Monthly fee: The monthly fees will vary depending on which account package you choose, but here are some examples of checking account fees and ways to avoid them:
  • Basic Banking Package: $12, waived if you maintain a combined monthly balance of $1,500 across eligible accounts or make one qualifying direct deposit and one qualifying bill payment per statement, or if you are 62 or older
  • Citibank® Account Package: $25, or $0 if you maintain a minimum average balance of $10,000 across eligible deposit, investment and retirement accounts
  • Citi Priority Account Package: $30, or $0 if you maintain a minimum average balance of $30,000 across eligible deposit, investment and retirement accounts
  • Citigold® Account Package: No monthly fee, but requires a combined average monthly balance of at least $200,000 in eligible linked deposit, retirement and investment accounts.
  • Promotion page: Citi checking account bonus offer

Citi Priority Checking Account: Up to $2,000

If you open a Citi Priority Account by Apr. 4, 2023, and earn a cash bonus of $200, $500, $1,000, $1,500 or $2,000 when you maintain a minimum eligible balance and complete required activities.

  • After opening a new checking account in an eligible package and enrolling in the offer directly from the offer page or with a Citi representative, either by phone or in-branch, deposit the qualifying amount within 20 days of opening the account. Your bonus amount will be determined based on the balance in your account on the 20th day. Tip: If you open a new Citi Savings Account in the same package as the checking account, the balance in your savings account will count toward the bonus requirements. The bonus tiers are as follows:

  • $10,000-$29,999: $200 bonus

  • $30,000-$74,999: $500 bonus

  • $75,000-$199,999: $1,000 bonus

  • $200,000-$299,999: $1,500 bonus

  • $300,000 and above: $2,000 bonus

  • After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60 days after the 21st day to receive the cash bonus. Refer to the offer for full terms and conditions.

  • $10,000-$29,999: $200 bonus

  • $30,000-$74,999: $500 bonus

  • $75,000-$199,999: $1,000 bonus

  • $200,000-$299,999: $1,500 bonus

  • $300,000 and above: $2,000 bonus

  • Basic Banking Package: $12, waived if you maintain a combined monthly balance of $1,500 across eligible accounts or make one qualifying direct deposit and one qualifying bill payment per statement, or if you are 62 or older

  • Citibank® Account Package: $25, or $0 if you maintain a minimum average balance of $10,000 across eligible deposit, investment and retirement accounts

  • Citi Priority Account Package: $30, or $0 if you maintain a minimum average balance of $30,000 across eligible deposit, investment and retirement accounts

  • Citigold® Account Package: No monthly fee, but requires a combined average monthly balance of at least $200,000 in eligible linked deposit, retirement and investment accounts.

  • Cash value: Up to $2,000

  • Expiration date: Apr. 4, 2023

  • How to get it:

  • Within 20 days of opening, deposit the minimum amount of new-to-Citi funds.

  • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.

  • If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.

  • The bonus will be paid within 30 days after you successfully complete all required activities.

  • The bonus amounts are as follows:

  • $10,000-$29,999: $200

  • $30,000-$74,999: $500

  • $75,000-$199,999: $1,000

  • $200,000-$299,999: $1,500

  • $300,000 and above: $2,000

  • When you’ll get it: Within 30 calendar days after completing required activities.

  • Terms and conditions: Your balance must be held in your eligible checking account. If your balance falls into a lower balance tier for even one day during the maintenance period, your maximum bonus will change. You cannot use a Citi Accelerate Savings Account or a Citi Savings Account to maintain your balance as part of this offer and still be eligible to earn the bonus. So long as you have not owned a Citi checking account in the last 180 days, are at least 18 years old, and furnish or have a valid Form W-9 or Form W-8BEN on file with Citi and are not subject to backup withholding, you can participate in the New to Citi Checking cash bonus offer in select markets. Customers who open via phone or apply online with a residential or home — not mailing — address in an eligible location can qualify.

  • Monthly fee: A monthly service fee of $30 is applied to the Citi Priority Account Package if a combined average monthly balance of $30,000 or more is not maintained.

  • Promotion page: Citi checking account bonus offer

Citi Savings Account: Up to $5,000 Bonus

If you live in New York, Connecticut, Maryland, Virginia, Washington, D.C., California, Nevada, New Jersey, Florida or Illinois and have a spare million lying around, you could be eligible to receive a whopping $3,500 in free cash from Citi. The bank is currently offering a series of bonuses depending on how much you save, incentivized for those with higher balances. Read on to find out more.

  • Within 20 days of opening, deposit the minimum amount of new-to-Citi funds.

  • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.

  • If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.

  • The bonus will be paid within 30 days after you successfully complete all required activities.

  • The bonus amounts are as follows:

  • $10,000-$29,999: $200

  • $30,000-$74,999: $500

  • $75,000-$199,999: $1,000

  • $200,000-$299,999: $1,500

  • $300,000 and above: $2,000

  • $10,000-$29,999: $200

  • $30,000-$74,999: $500

  • $75,000-$199,999: $1,000

  • $200,000-$299,999: $1,500

  • $300,000 and above: $2,000

  • Cash value: Up to $5,000

  • Expiration date: Apr. 4, 2023

  • How to get it:

  • Open a new Citi Savings Account and fund it with new-to-Citi funds within 20 days of opening.

  • Then, maintain a minimum balance for 60 days to get the bonus. The minimum deposit and balance amounts and bonuses are as follows:

  • $10,000-$29,999: $100 bonus

  • $30,000-$49,999: $150 bonus

  • $50,000-$99,999: $250 bonus

  • $200,000-$499,000: $1,000 bonus

  • $500,000-$999,999: $2,500

  • $1,000,000 and above: $5,000

  • See the offer page for full terms and conditions.

  • When you’ll get it: Within 90 calendar days after completing required activities.

  • Terms and conditions: New or existing Citi customers are eligible for this offer provided they open a new savings account and follow the deposit minimums and reside in the eligible states — New York, Connecticut, Maryland, Virginia, Washington, D.C., California, Nevada, New Jersey, or select areas in Florida and Illinois. If you’re depositing more than $250,000, call to speak with a Citi representative. Your account must also remain open and in good standing through the period necessary to receive the funds, which is within 90 calendar days after completing the requirements. Not all savings accounts qualify for this promotion.

  • Monthly fee: There is no fee for the Citi Savings Account, but the associated checking account may incur fees, depending on the average balance and the type of account.

  • Promotion page: Citi savings account bonus offer

Best Business Account Promotions

Beginning your business checking relationship with Citi comes with a boost, provided you’re able to get to a branch location.

  • Open a new Citi Savings Account and fund it with new-to-Citi funds within 20 days of opening.

  • Then, maintain a minimum balance for 60 days to get the bonus. The minimum deposit and balance amounts and bonuses are as follows:

  • $10,000-$29,999: $100 bonus

  • $30,000-$49,999: $150 bonus

  • $50,000-$99,999: $250 bonus

  • $200,000-$499,000: $1,000 bonus

  • $500,000-$999,999: $2,500

  • $1,000,000 and above: $5,000

  • See the offer page for full terms and conditions.

  • $10,000-$29,999: $100 bonus

  • $30,000-$49,999: $150 bonus

  • $50,000-$99,999: $250 bonus

  • $200,000-$499,000: $1,000 bonus

  • $500,000-$999,999: $2,500

  • $1,000,000 and above: $5,000

Citi Business Checking: Up to $2,000 Bonus

Citi is offering new business checking customers the opportunity to earn some bonus cash with a new checking account. Three account types are eligible, suitable if you have a small business, need flexibility or are on the larger side with more transactions and bigger deposits.

  • Cash value: Up to $2,000
  • Minimum deposit to qualify: $5,000
  • Expiration date: Jul. 12, 2023
  • How to get it:
  • To get this offer, you must open a new business checking account in a branch. Branches are located in California — Los Angeles, Orange County, Riverside, San Diego and San Francisco are all represented — plus Miami, Chicago, Baltimore, Las Vegas, New York City and Washington, D.C. You can fill out the form on the offer page to get connected with a business specialist. The eligible accounts are Citi Business (Analyzed), Streamlined or Flexible Checking.
  • Then, fund your account within 30 days of opening and maintain that balance for 60 days. The balances and corresponding bonuses are as follows:
  • $5,000 balance: $200 bonus
  • $15,000 balance: $500 bonus
  • $25,000 balance: $700 bonus
  • $50,000 balance: $1,000 bonus
  • $100,000 balance: $1,500 bonus
  • $200,000 balance: $2,000 bonus
  • When you’ll get it: Within 90 days from the end of the month in which you complete the requirements.
  • Terms and conditions: The deposits must be in new-to-the-bank funds, and the account holder must not have already held a Citi business checking account within 180 days of opening the new eligible account. The offer is not transferable and can’t be combined with any other offer.
  • Monthly fee: The fees for Citi’s business checking accounts are as follows:
  • CitiBusiness Streamlined: $15, waived by keeping a monthly balance of $5,000
  • CitiBusiness Flexible: Ranges between $22-$30 depending on location, waived by keeping a monthly balance of $10,000
  • CitiBusiness Analyzed: $24
  • CitiBusiness Interest: $25, waived by keeping a monthly balance of $10,000
  • Promotion page: Citi business checking offer

Best Citi Credit Card Promotions

Citi is known for its credit cards. Read on for the best current offers that will have you raking in the rewards.

  • To get this offer, you must open a new business checking account in a branch. Branches are located in California — Los Angeles, Orange County, Riverside, San Diego and San Francisco are all represented — plus Miami, Chicago, Baltimore, Las Vegas, New York City and Washington, D.C. You can fill out the form on the offer page to get connected with a business specialist. The eligible accounts are Citi Business (Analyzed), Streamlined or Flexible Checking.

  • Then, fund your account within 30 days of opening and maintain that balance for 60 days. The balances and corresponding bonuses are as follows:

  • $5,000 balance: $200 bonus

  • $15,000 balance: $500 bonus

  • $25,000 balance: $700 bonus

  • $50,000 balance: $1,000 bonus

  • $100,000 balance: $1,500 bonus

  • $200,000 balance: $2,000 bonus

  • $5,000 balance: $200 bonus

  • $15,000 balance: $500 bonus

  • $25,000 balance: $700 bonus

  • $50,000 balance: $1,000 bonus

  • $100,000 balance: $1,500 bonus

  • $200,000 balance: $2,000 bonus

  • CitiBusiness Streamlined: $15, waived by keeping a monthly balance of $5,000

  • CitiBusiness Flexible: Ranges between $22-$30 depending on location, waived by keeping a monthly balance of $10,000

  • CitiBusiness Analyzed: $24

  • CitiBusiness Interest: $25, waived by keeping a monthly balance of $10,000

: 60,000 Bonus Points — an $600 Value

The Citi Premier credit card was designed for travelers. You’ll earn triple points on purchases made at restaurants, supermarkets and gas stations and on air travel and hotels. The card also comes with an annual hotel benefit and no foreign transaction fees. Open a new card and start using it to earn 60,000 bonus points. Here’s more:

  • Cash value: $600
  • Minimum spend to qualify: $4,000
  • Expiration date: None
  • How to get it: Spend $4,000 within the first three months of account opening.
  • When you’ll get it: At the end of the billing cycle
  • Terms and conditions: Not available if you’ve received a new cardmember bonus on another Citi card
  • Annual fee:
  • Promotion page: Citi Premier Card bonus offer

: 20,000 Bonus Points — a $200 Value

The Citi Rewards+ card rounds up to the nearest 10 points with every purchase. You also earn double points at supermarkets and gas stations for the first $6,000 you spend each year. New cardholders also earn bonus points when they use their new account. Here’s more on this Citi offer:

  • Cash value: $200
  • Minimum spend to qualify: $1,500
  • Expiration date: None
  • How to get it: Open a Citi Rewards+ credit card. Use it to spend $1,500 within the first three months of account opening.
  • When you’ll get it: After the close of the billing cycle
  • Terms and conditions: Not available if you’ve received a new cardmember bonus on another Citi card or if you have closed another Citi rewards card in the past 24 months
  • Annual fee: None
  • Promotion page: Citi Rewards+ Card bonus offer

CitiBusiness®/AAdvantage® Platinum Select® Mastercard®: 65,000 Bonus Miles — a $650 Value

If you frequently travel for business, you can put the CitiBusiness/AAdvantage Platinum Select Mastercard to good use. You’ll enjoy perks like preferred boarding and savings on air travel while earning AAdvantage miles for every dollar you spend. New customers can earn an additional 65,000 bonus miles after opening a new account. Here are the details:

  • Cash value: $650
  • Minimum spend to qualify: $4,000
  • Expiration date: None
  • How to get it: Spend $4,000 in the first four months after account opening.
  • When you’ll get it: 8 to 10 weeks after meeting requirements
  • Terms and conditions: The offer is not available to those who received a new account bonus from CitiBusiness or AAdvantage Platinum Select in the past four years. Accounts are subject to approval.
  • Annual fee: $99, waived the first 12 months
  • Promotion page: CitiBusiness/AAdvantage Platinum Select Mastercard bonus offer

Other Citi Offers

Citi is currently offering a promotion that may interest those looking to get into the real estate market.

Citi Mortgage Relationship Pricing: $500 Closing Cost Credit

If you have a Citi checking account, you qualify for the Mortgage Relationship Pricing program. You’ll earn credit at closing or get a discount on the mortgage’s interest rate. Here’s how:

  • Cash value: $500 if your account balance is below $50,000; interest rate discount applies if your account balance is $50,000 or higher
  • Minimum deposit to qualify: $1
  • Expiration date: None
  • How to get it: Set up automatic mortgage payments from your Citi checking account.
  • When you’ll get it: At closing
  • Terms and conditions: To earn the bonus, you must set up automatic mortgage payments from your Citi deposit account. To enroll in the program, you must speak to a representative.
  • Annual fee: None
  • Promotion page: Citi Mortgage Relationship Pricing bonus offer

Should You Switch to Citi?

Citi has plenty to offer when it comes to banking and branch availability, a variety of different accounts and products, and online and mobile banking options. If you can earn one of the top Citi bonuses, it may be worth switching to Citi and getting the bonus cash.

However, if you prefer a smaller bank with lower fees and lower minimum deposits, you’ll probably want to look elsewhere. You can explore your options by checking out the newest promotions, bonuses and offers available at other banks.

Julia Gordon and Levi Leidy contributed to the reporting for this article.

Information on promotions is accurate as of Jan. 10, 2023. Additional requirements may apply. Offers and terms are subject to change. For the most up-to-date information on an institution or its accounts, visit its website.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

This article has been updated with additional reporting since its original publication.