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Citizens Bank Promotions

Read our in-depth review of Citizens Bank to see why Citizens Bank scored 4.4 stars out of 5. We like their high apy and no monthly fees.

If you're looking for bank promotions, you must check out these offers.

3.80%

7-Month CD - 3.80% APY

3.15%

Citizens Bank High Yield Online Savings - 3.15% APY

  • No opening fee
  • No service fee
  • $0.01 minimum opening deposit
3.10%

14-Month CD - 3.10% APY

Clearly Better Business Checking

  • $0 monthly fee
  • No minimum balance requirement
  • Up to 200 check transactions per statement period at no charge

Online CD

TermAPY
7 Months3.80%
14 Months3.10%

$400

Personal Checking and Savings Account - $400 Bonus

Open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. Open a new qualifying savings account and make at least one single deposit of $100 or multiple deposits totaling $100 or more that post into the new savings account every month for 3 consecutive months. The savings account must have a balance of $300 or more by the end of the third consecutive month.

Expires 3/15/2026
$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.

Expires 3/15/2026
CIT Bank
Member FDIC

CIT Bank Platinum Savings - $300 Bonus

Expires Tomorrow
  • Qualify for a $300 cash bonus with a minimum deposit of $50,000
  • This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Overview
Disclosures
Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Expires in 4 days
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 1/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
Chase
Member FDIC

Chase Total Checking® - $400 Bonus

Expires 4/15/2026
  • New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
  • Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
  • Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
  • Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
  • Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
  • Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
CIT Bank
Member FDIC

CIT Bank Platinum Savings - $225 Bonus

Expires Tomorrow
  • Qualify for a $225 cash bonus with a minimum deposit of $25,000
  • This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Disclosures
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 3.75% APY

  • 3.75% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures

Citizens Bank Trending Offers

2 hours agoPersonal Checking and Savings Account - $400 Bonus selected by a visitor from Virginia
12/26/20257-Month CD - 3.80% APY selected by a visitor from New York
12/18/2025Clearly Better Business Checking selected by a visitor from Georgia
11/26/2025Citizens Bank High Yield Online Savings - 3.15% APY selected by a visitor from Virginia
9/13/2025Online CD selected by a visitor from New Jersey

Don't miss another hot deal. Check back often at CreditDonkey.

$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.

Expired 1/18/2026
$400

Personal Checking and Savings Account - $400 Bonus

Open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. Open a new qualifying savings account and make at least one single deposit of $100 or multiple deposits totaling $100 or more that post into the new savings account every month for 3 consecutive months. Accounts must be opened at the same time via the offer page to qualify for the bonus.

Expired 1/18/2026
$400

Personal Checking Account - $400 Bonus

Open a new personal Citizens Checking account. Set up and receive at least one single direct deposit of $1,000 or more within 60 days of account opening.

Expired 12/31/2025
0.03%

10-Month CD - 0.03% APY

Expired 12/9/2025
$500

Personal Checking Account - Up to $500 Bonus

Open a new personal Citizens Checking account. Set up and receive qualifying direct deposits totaling $1,000 or more within 60 days of account opening. Earn $2 for every qualified debit card purchase that post and clear your new checking account within 60 days of account opening. Earn up to $200 on your debit card purchases.

Expired 12/6/2025
$300

Personal Checking Account - $300 Bonus

Open a new personal Citizens Checking account. Set up and receive qualifying direct deposits totaling $1,000 or more within 60 days of account opening.

Expired 12/6/2025
$400

Personal Checking and Savings Account - $400 Bonus

Earn $300 when you open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. Open a new qualifying savings account and make at least one single deposit of $100 or multiple deposits totaling $100 or more that post into the new savings account every month for 3 consecutive months. Accounts must be opened at the same time via the offer page to qualify for the bonus.

Expired 11/23/2025
$300

Personal Checking Account - $300 Bonus

Earn $300 when you open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.

Expired 11/23/2025
4.25%

6-Month CD - 4.25% APY

Expired 10/31/2025
$250

GoalTrack Savings Program – up to $250 in Gift Cards

Add the GoalTrack Savings programs to any eligible Citizens Bank savings account and be rewarded for reaching your goals. Select a target timeframe and monthly savings goal amount. If you achieve your goal, you will receive a gift card. The amount varies based on your monthly savings and the timeframe. To get the minimum bonus, you must save at least $25/month for 8 months (above your existing balance). The most you can receive is a $250 gift card if you save $400/month for 36 months (above your existing balance). Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.

Expired 3/5/2020

Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track.

Citizens Bank Promotions

From time to time, Citizens Bank offers cash bonuses for new banking customers. Deals are only available for residents of select States, so make sure you read the fine print carefully.

Citizens Bank Checking Account Offer:
  1. Personal Checking and Savings Account: $400 Bonus
  2. Personal Checking Account: $300 Bonus

All Citizens Bank checking accounts offer free online banking, bill pay, and mobile deposits. There are over 3,100 ATMS.

Special Checking Account Features

Citizens checking accounts come with these features:

  • $5 Overdraft Pass. If you overdraw your account by $5 or less, you won't pay an overdraft fee.

  • Overdraft protection. To cover overdrafts, you can link a Citizens Bank savings account or apply for an Overdraft Line of Credit. Funds will be automatically transferred if you overdraw your checking account. There is a transfer fee, but it's much lower than the overdraft fee.

  • Send money with Zelle. Easily send money to anyone with just a U.S. phone number or U.S. email address.

What to Open at Citizens Bank

  • One Deposit Checking. The service fee for this checking account is easily waived when you make one deposit of any amount each statement period.

  • Student Checking. This account is free for students and young adults under 25. Students who are 16 years old can apply for a joint account with a parent or guardian. For individual accounts, you can apply online if you're 18, or in-person at a branch at the age of 17.

How to Avoid Citizens Bank Checking Account Fees

  • One Deposit Checking. The $9.99 monthly fee can be waived if you make one deposit of any amount each statement period.

  • Citizens Quest® Checking. The $25 monthly fee can be waived if you make $5,000 in total deposits to your primary checking each statement period, or maintain a combined balance of at least $25,000 across all Citizens Bank deposit and investment accounts.

  • Student Checking. There is no monthly service fee if you are under 25.

    Highlights

    Savings
    Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
    CD
    Several types of CD accounts. Terms ranging from 7-14 month. 3.10% - 3.80% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-Month online CD.
    Money Market
    Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
    ATMs
    3,300+ ATMs across 14 states
    Customer Service
    24/7 Telephone Customer Service
    IRA CD
    Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
    Locations
    1,000+ branches in 14 states

Pricing information from published website as of 01/04/2026 based on 10011 zip code.

 Bank of America
Member FDIC
 Learn MoreLearn More
 

Citizens Bank

Bank of America

 

Benefits and Features

SavingsSeveral types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.Bank of America Advantage Savings Standard Rate: 0.01% APY
CDSeveral types of CD accounts. Terms ranging from 7-14 month. 3.10% - 3.80% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-Month online CD.
  • 7-Month CD - 3.25% APY
  • 10-Month CD - 2.95% APY
  • 13-Month CD - 2.00% APY
  • 25-Month CD - 1.75% APY
  • 37-Month CD - 0.11% APY
  • 1-Month CD - 0.03% APY
  • 120-Month CD - 0.03% APY
Checking 
Check
Money MarketSeveral types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. 
Mobile App 
iOS & Android
ATMs
3,300+ ATMs across 14 states
Approximately 15,000+ ATMs
Customer Service24/7 Telephone Customer Service
  • Monday -Friday: 8AM - 9PM ET
  • Saturday: 9AM - 6PM ET
  • Sunday: 8AM - 5PM ET
IRA CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Check
Locations
1,000+ branches in 14 states
3,700 financial centers
 Learn MoreLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Citizens Bank: Pricing information from published website as of 01/04/2026 based on 10011 zip code.

Bank of America: Pricing information from published website as of 01/09/2026 based on 91107 zip code.


Citizens Bank Student Loans


Citizens Bank Alternatives

Bank of America
Member FDIC

Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer

Expires 12/31/2026
  • The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new eligible business checking customers only.
  • Offer expires 12/31/2026.
  • To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you are eligible for.
    Balance RequirementCash Bonus Tier
    $5,000$400
    $15,000$750
  • Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
  • After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
  • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
  • Bank of America, N.A. Member FDIC
Chase
Member FDIC

Chase Secure Banking℠ - $125 Bonus

Expires 3/27/2026
  • New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 4/14/2026
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC
U.S. Bank
Member FDIC

U.S. Bank Business Essentials - $400 Bonus

Expires 3/31/2026

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC

CIT Bank
Member FDIC

CIT Bank Savings Connect - 3.65% APY

  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures

Articles on Citizens Bank

Citizens Bank High Yield Savings

Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.

Citizens Bank Problems

While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.

Recent Mentions

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Best Savings Accounts for College Students

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More Bank Promotions

Bank of America
Member FDIC

Bank of America Offer Code

Bank of America Advantage Banking - Up to $500 Cash Offer

Citibank Promotions

Checking with Enhanced Direct Deposit - $325 Cash Bonus
Chase
Member FDIC

Chase Coupon

Chase Bank $400 Bonus

Capital One 360 Promo Code

Personal Savings Account - $1,500 Bonus

TD Bank Promotions

TD $300 Beyond Checking Bonus

About CreditDonkey
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