Personal checking
Citizens Bank Personal Checking
Verified Oct 20, 2026 · checked Oct 22, 2026 · offer expires Oct 25, 2026 · available in: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA
Bonus
$400- • Receive 1+ direct deposits totaling $1,000 within 60 days — At least one single direct deposit of $1,000 or more within 60 days of opening your first Citizens personal checking account (offer labeled Balance Builder Bonus). Direct deposit means recurring income such as salary or pension; Zelle, Cash App, Venmo and PayPal transfers do not count. Account must remain open and active with a balance above $0 through the payout date; October 2026 openings are paid by February 28, 2027. Must be opened online via the Citizens promo page; one bonus per customer; cannot be combined with other Citizens checking offers.
Fine print that matters
• No bonus if you closed an account here in the past 6 months.
• Plan on holding at least 130 days before closing.