Citi adds new cash bonuses up to $4,000 for checking accounts
Citi just added a new $4,000 checking bonus tier.
The short version
- You must live in NY, NJ, CT, MD, VA, DC, CA, NV, or select markets in FL and IL.
- Link a savings account within ten days for up to 4.5% APY.
- The $425 and $475 bonuses are gone.
Why it matters to you. If you are juggling cash flow for your business, the smaller $325 bonus might keep things simple without locking up heavy balances.
Citi, the massive global bank, just shook up its checking and savings bonuses with a fresh top-tier reward reaching $4,000. According to Doctor of Credit, the bank also rolled out a $2,000 reward option while quietly retiring its $425 and $475 offers.
For anyone holding cash reserves for payroll or taxes, the deals apply only to specific states including New York, New Jersey, Connecticut, Maryland, Virginia, Washington D.C., California, Nevada, and select markets in Florida and Illinois. Shoppers in those areas can pair the checking setup with a savings account linked within ten days to grab rates between 3.5% and 4.5% APY.
Big depositors parking $200,000 can also unlock Citi Gold status. Watch the calendar closely because Citi is quadrupling its direct deposit fee waiver requirement from $250 to $1,000 starting January 1, 2027.
Photo: Beyond My Ken, CC BY-SA 4.0, via Wikimedia Commons
