Citibank, $300 Bonus For Checking Account After $15K Deposit & Debit Purchase

Citibank is offering a new checking bonus, now for only $300 instead of the $400 that expired recently.  The new bonus is $100 less and also has some extra requirements.

To get the bonus, use offer code CZRZ and within 45 days after account opening you must complete the following:



  • Complete
    • 1 qualifying Direct Deposit to your checking account OR
    • 1 or more transactions with your Citibank Debit Card totaling $250+
  • Make a qualifying deposit of $15,000 or more in new-to-Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account
  • Maintain a minimum balance of $15,000 for 30 consecutive calendar days following the date when you made your qualifying deposit.

If you are eligible and fulfill the required activities then the cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements.

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The Citibank Account Package is the best option here, since it comes with a smaller monthly fee of $25 and it requires only $10,000 in combined average monthly balances waive that fee. Citigold requires $50,000 to waive $30 fee.

The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. So most likely you will need to keep the account open 4-5 months in order to get the bonus and then you can close it since there’s no fee.

The first month with be free since you’ll deposit $15,000 and keep it there for 30 days in order to the the bonus. After that you can either withdraw $5,000 and leave $10,000 in the account to avoid the $25 monthly fee, or just withdraw most of it and ask to be refunded some monthly fees. You might be able to have 1-2 months refunded and end up paying just $50 in monthly fees. That would leave you with a $250 profit. Take of the interest you’re losing out on the $15K and $10K balances and this bonus gets even smaller.

To be eligible for this offer, customer must not currently have a consumer checking account with Citibank. Customers are not eligible for this offer if the customer was a signer on or owner of a Citibank consumer checking account within the last 60 days. Eligible accounts must have been opened within 60 calendar days of enrollment in this offer.


Offer Details

  • Apply Now
  • Maximum Bonus: $300
  • Account Type: Citibank Account Package
  • Offer Code: CZRZ
  • Availability: Nationwide
  • Expiration Date: 12/31/16
  • Inquiry Type: Soft pull
  • Credit Card Funding For Opening Deposit: No
  • Direct Deposit Requirement: Yes (Optional, could do $250 debit purchase instead)
  • Other Requirements: $15,000 deposit within 30 days and maintain that balance for 30 days
  • Monthly Fee: $25 (waived with $10,000 in combined average monthly balances)
  • Closing Account Fee: None

HT: MaximizingMoney

One thought on “Citibank, $300 Bonus For Checking Account After $15K Deposit & Debit Purchase

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