Posted by William Charles on May 10, 2017
Bank Account Bonuses

Published on May 10th, 2017 | by William Charles

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Citizens Bank $150 Checking Bonus, At Supermarket Branches [CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VA, VT]

Offer is back but there is currently a better bonus for $150/$250.

  • Maximum bonus amount: $150
  • Availability: Must open in supermarket branch [Location finder here]. Not sure if all states have supermarket branches, but they operate out of the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
  • Direct deposit required: Yes, $500+
  • Additional requirements: None
  • Hard/soft pull: Soft pull as long as you opt out of over draft protecton.
  • Credit card funding: Up to $1,000, Visa & MasterCard only (most likely cash advance due to have to opening in branch)
  • Monthly fees: $9.99, waive-able
  • Early account termination fee: None
  • Household limit: None mentioned
  • Expiration date: February 24th, 2017 June 9th, 2017 (New bonus valid July 29th until September 1st)

The Offer

Direct link to offer

  • To receive the $150 bonus, complete the following:
    • Open your first new personal checking account between July 29, 2017 and September 1, 2017 at a Citizens Bank supermarket branch
    • Set up a single direct deposit of $500 or more that posts to your new account within 60 days of account opening

citizens bank

The Fine Print

  • To qualify for the $150 bonus you must open your first new personal checking account between 5/6/17 and 6/9/17 and have at least 1 single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
  • Primary signer on the new checking account may not be or have been a primary or secondary signer on any personal checking account within the previous six months.
  • Offer only available in select branches.
  • The new account must be open and in good standing to qualify for this offer.
  • Offer may be withdrawn without notice and cannot be combined with any other checking offer.
  • $150 Bonus will be deposited into your qualifying checking account within 90 days after the first qualified direct deposit has posted and will be labeled as “Balance Builder Bonus.”
  • One bonus per customer.
  • Bonus will be reported to the IRS.

Avoiding Fees

  • One Deposit Checking Account: $9.95 fee is waived with any deposit (according to this comment they really do many any deposit, even a transfer from another Citizens Bank account will trigger this)
  • Citizens Bank Platinum Checking: $25 fee is waived with $25,000 in combined deposits
  • Citizens Bank Platinum Plus Checking: $25 fee is waived with $25,000 in combined deposits & either $5,000 total deposits posted to the primary checking account before the end of your statement period OR $10,000 average daily checking balance

As far as I know there is no early account termination fee.

Our Verdict

It’s annoying that this bonus is in branch and requires a direct deposit for the bonus, at least any deposit will keep the account fee free. That being said it’s probably still a good option for those that live near a branch as we do have some datapoints on what counts as a direct deposit. They have offered a similar $150 bonus online in the past as well. I’ll be adding this to our best checking promos page, but it won’t be one of the top bonuses listed.

Big thanks to reader, Don who let us know. Please consider sharing bank bonuses with this site so we can make it even better.

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Daniel
Daniel

No supermarket branches in DC

sa
sa

How do you fund with CC if you have to open in branch? Thanks.

Gadget
Gadget

+1. I thought in-branch always codes as Cash Advance. I am assuming CC funding data is copied over from last promo?

I am not seeing any supermarket branches in VA either, but their search is not very user friendly, supposedly limited to 40 miles. However, Google shows there are a few regular branches in the state, but their website doesn’t show them when I use the Googled zip code.

I would also like to see a review of their college saver account $1000 bonus to see how good, or bad, of a deal it is. Seems alright, but useless if you miss more than 1 payment a year, and probably could earn more interest elsewhere.

red
red

You can get this from USPS moving package and open online. (At least in NJ)

John
John

Could you explain? I looked for supermarket branches in NJ and none were found within 40 miles of location.

Ian
Ian

You gotta look farther; try Voorhess, Vineland, Woodbury, Sicklerville Acme. Or, try Acme or Giant in eastern PA. NY state has 52 supermarket branches, at Price Choppers or Tops. Otherwise, you gotta go to branches at select Stop & Shop in RI & MA. Or, few Shaws, Hannafords, S&S in NH. Or, few DE branches at Acme (Wilmington).

red
red

get a usps mover’s package in usps

Ian
Ian

It depends where you live. Mine has low Chase checking offer only.

Peter
Peter

Any incoming transfer counts as deposit to waive the fee for the One Deposit account, including a recurring $0.01 transfer from a secondary Citizens Bank account.

They are my primary bank. Really no hassle and extremely convenient with branches and ATM’s everywhere. Mobile Deposit and ATM deposit cut-off is 10PM to count as same day with most funds available next day. Mobile Deposit limits of up to $25k per month after account ages and depending on what level you have.

A HUGE plus is their mobile deposit only requires you hold onto the check for 15 days before marking void and shredding. Most others require 60-90 days. No MO mobile deposits, but they are accepted at the ATM (their official bank ATM’s all have check/MO scan and cash deposit capability).

Dave
Dave

This lying, thieving, bank will never get my business again.
Careful guys..

Dan
Dan

Years ago this bank helped me out of a bad situation when no other banks would. That was decades ago. I’ve been a customer ever since and I just love these guys… they’ve never stolen from or lied to me for what it’s worth.

Daniel
Daniel

Just a heads up: The header summary state $250+ DD requirement and the terms of this offer are $500. It is accurate in the body of the article.

BankerS
BankerS

Although this is the list of states where you can obtain this-CT, DC, DE, FL, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, VA, VT-Citizens has no branches in DC, FL, MD, ME, NC, SC or VA,

I work for Citizens Bank

Don
Don

I signed up yesterday for the promotion. It looks to be that same amount of effort to receive the bonus and to keep the account fee-free as a Key Bank checking account (although a slightly smaller bonus).

BankerS
BankerS

Hi William,

Citizens has no Branches at all in these states- DC, FL, MD, ME, NC, or SC. The VA is an Employee Only use branch for employees of our Mortgage Group Operations Center in Glen Allen, VA. Regardless of what our online account opening app may show, if you don’t reside in our footprint of 11 states where we actually have physical branches, you cannot open a deposit account with is online or over the phone.

Adam
Adam

Signed up in MA supermarket branch yesterday. Took about 20 minutes. I just funded it with cash. Planning to fulfill with a real employer DD, even though some DPs indicate ACH from other banks might also work.

Adam
Adam

Bonus posted 4/19. I ended up doing both Alliant ACH and a real employer DD, so not sure which one triggered it.

Mrs. Gee
Mrs. Gee

Any data on whether you really do need to be a first time account holder to get this bonus? Their offer states, “your first new personal checking account “. Is this new language? I’ve gotten bonuses from them at least twice in the past and I’m hoping to get this one as well.
Btw, they have been very easy in the past about DDs. Just about any ACH deposit has qualified.

Mrs. Gee
Mrs. Gee

I can provide my own DP. Just opened my account. The offer is valid as long as you do not have a current account of any kind and any prior accounts have been closed for at least 6 months. The rep and manager both insisted that the offer is limited to one per household, although I didn’t see that in writing on the offer. They also offered the information that ANY online transfer in to your account will trigger the bonus as a DD.

bmanamex
bmanamex

New DP: Vanguard Brokerage works as Direct Deposit
Bonus took 2 months to post

PMartinez
PMartinez

Cap360 didnt work as Direct Deposit. Bonus denied.

Ben
Ben

William Charles – Doesn’t help many folks, but FYI Citizen’s sent me a presumably targeted mailer with an alphanumeric code to open a checking account for $400 bonus shortly after moving into a town where they have a branch.

Bob
Bob

2/14 opened (my self Valentine’s gift lol)
2/26 ACH from Alliant, posted as “Direct Deposit Alliant Cu. Online Wd”
Monthly $1 ACH to avoid fee
4/19 Bonus posted

Will wait a couple more months before closing! Thanks DoC as always

Bob
Bob

Interesting tidbit: instead of “Balance Builder Bonus,” the bonus actually posts as “Balbldr Bonus.” I read it as bald bladder at first glance haha, weird abbreviation.

Kevin
Kevin

How long did it take for the bonus to post?

Bob
Bob

Read my post…? Dates spelled out…

tinker25
tinker25

Wondering the frequency of Bonus posting.

SO’s DP

2/9 Open
3/31 Payroll DD
4/19 Bonus

Johnz
Johnz

tinker25,
2/23 Open
3/07 DirDep
4/19 Bonus

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