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Citi Regular Checking

Personal Checking

CheckingAvailable nationwideExpired

Top tier of Citi's balance-based ladder. No direct deposit, but it requires serious new money.

Your personalized eligibility

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Requirements at a glance

Direct deposit minimum
Not required
Balance requirement
$300,000
Minimum holding period
60 days
Estimated effort
Very high effort
Monthly fee
No monthly fee
Offer expires
10/1/2026

Fee waiver: Fee waived at the qualifying balance tiers used for this promotion.

Step-by-step qualification

  1. 1Enroll in the offer and open a Citi checking account.
  2. 2Deposit $300,000 in new-to-Citi funds within 20 days.
  3. 3Maintain the balance for 60 consecutive days.

Payout timeline

  • Day 0-20

    Fund the account to the target tier.

  • Day 20-80

    60-day maintenance period.

  • Day 110

    Bonus paid within 30 days of qualification.

Fine print traps to avoid

  • Lower tiers pay smaller bonuses — $200 at $10,000, $500 at $30,000.
  • Funds must be new to Citi.
  • Bonus reported as interest on a 1099-INT.