[CT, D.C., DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA] Citizens Bank Up To $3,000 Bank Bonuses

Offer at a glance

Maximum bonus amount: $3,000
Availability: CT, D.C., DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA
Direct deposit required: Yes, $1,000+
Additional requirements: See below
Hard/soft pull: Soft pull as long as you opt out of over draft protecton.
ChexSystems: Mixed data points
Credit card funding: None
Monthly fees: $9.99-$25, avoidable
Early account termination fee: None
Household limit: None
Expiration date: November 15, 2026

The Offer

Direct link to offer

Citizens Bank is offering bank bonuses of up to $3,000.
- Up to $1,200 on gas purchases (requires qualifying direct deposits totaling $1,000 or more for 12 months)
  - Make up to $1,200 ($100/month for 12 months) as a Quest, Private Client, or Business Advisor customer.
  - Make up to $600 ($50/month for 12 months) as a One Deposit or Clearly Better Business customer.
- Up to $1,800 when you open a new savings or business savings account and make a deposit within 10 business days of account opening.
  - $40,000 or more to receive up to $1,800 ($150/month for 12 months)
  - $15,000 – $39,999 to receive up to $600 ($50/month for 12 months)

The Fine Print

To earn your bonus: Get up to $3,000 ($1,200 checking and $1,800 savings) over twelve monthly qualification periods. To qualify for this promotion, customers must open both a first new eligible checking account and a new eligible savings account on the same day between October 1 and November 15, 2026, and satisfy the applicable checking and savings bonus requirements. To earn the consumer checking bonus, 1.) Open a first new One Deposit Checking from Citizens®, Citizens EverValue Checking®, Citizens Quest® Checking, Student Checking, or Citizens Private Client® Checking account and a new eligible consumer savings account on the same day between October 1 and November 15, 2026. 2.) During each applicable calendar month, have one or more direct deposits totaling $1,000 or more post and clear into the first new checking account and make qualifying fuel purchases as stated below. 3.) Get up to $50 per month and $600 total for One Deposit Checking, Citizens EverValue Checking® and Student Checking or up to $100 per month and $1,200 total for Citizens Quest Checking or Citizens Private Client Checking. To earn the business checking bonus: 1.) Open a first new Clearly Better Business Checking or Business Advisor Checking account and a new eligible business savings account on the same day between October 1 and November 15, 2026. 2.) During each applicable calendar month, have one or more deposits totaling $1,000 or more post and clear into the first new checking account and make qualifying fuel purchases as stated below. 3.) Get up to $50 per month and $600 total for Clearly Better Business Checking, or up to $100 per month and $1,200 total for Business Advisor Checking. To earn the consumer and/or business checking bonus: make one or more qualifying fuel purchases using the Citizens debit card associated with that first new account. The monthly bonus equals the total amount spent on qualifying fuel purchases that post and clear the account during that month, calculated on a cent-by-cent basis, up to the applicable monthly maximum. Each month is reviewed separately for monthly bonus qualification eligibility. If you do not meet both checking requirements in one month, you will not earn a bonus for that month, but you are still eligible to requalify again in later months if you accomplish the required qualifying criteria. The maximum checking bonus is $1,200. To earn the consumer savings bonus 1.) Open a new One Deposit Savings, Citizens Quest® Savings, or Citizens Private Client® Savings account and a first new eligible checking account on the same day between October 1 and November 15, 2026. To earn the business savings bonus: 1.) Open a new Business Savings account and a first new eligible checking account on the same day between October 1 and November 15, 2026, and 2.) To earn the consumer and/or business savings bonus: make one single deposit totaling at least $15,000 in new money into the new savings account no later than 10 business days after account opening from an external funding source. For each calendar month, earn $50 if the new savings account’s end-of-day daily balance is $15,000 through $39,999.99, or $150 if that balance is $40,000 or more. The maximum savings bonus is $1,800. The tier is determined separately each month, so you may move between tiers. A new savings account balance below $15,000 earns no bonus for that month but does not prevent qualification in a later month when an eligible balance is restored.
Consumer and/or Business Eligibility: Checking and savings accounts must continuously stay open and in good standing throughout the offer period to be considered for a bonus. Ongoing eligibility for the checking bonus and savings bonus is determined separately. A customer who does not meet the requirements for one bonus may still earn the other bonus if all applicable requirements for that bonus are satisfied. Customers may qualify for both the consumer and business banking offers if they independently satisfy the eligibility requirements for each offer. New account(s) must have a balance greater than zero and remain open and active throughout the payout date. Any account that remains at zero balance may be closed if it is not funded. Each customer may participate in the consumer offer once and the business offer once. If multiple new savings accounts are opened on the same day, only the first savings account to satisfy the qualifying requirements will be eligible to receive the bonus. Qualifying fuel purchases are debit card purchase transactions at merchants classified under merchant category code 5541 or 5542. Merchants and payment processors, not Citizens, assign merchant category codes based on their typical products and services. Eligibility depends on the code submitted with the transaction, not the item purchased; therefore, a nonfuel purchase at an eligible merchant may qualify, while a fuel purchase submitted under a different code determined by a gas merchant may not qualify. Examples of merchants that may use these merchant category codes include, but are not limited to, Shell, Wawa, Speedway, ExxonMobil, Cumberland Farms, and BP. For the consumer checking offer: Direct deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, or other regular income. Electronically deposited funds originating from peer-to-peer money transfer applications, including Zelle®, Cash App®, Venmo®, or PayPal®, are not eligible for direct deposit. For the business checking offer: Deposits include deposits of any kind from non-Citizens accounts. For the consumer and/or business savings offer: Current and prior Citizens savings account ownership is permitted. New money means external funds not currently on deposit with Citizens or Citizens Access®. Qualifying deposit amounts are based on one single deposit deposited within 10 business days of new savings account opening from an external funding source. The primary signer may not be or have been a signer on any other Citizens personal or business checking accounts within the previous 24 months. The primary owner may receive up to twelve bonuses per eligible Citizens checking account and up to twelve bonuses per eligible Citizens savings account under this offer. This offer may not be combined with another checking or savings offer, as applicable. Offer eligibility is determined at Citizens’ sole discretion. Right to Terminate: Citizens may modify, suspend, or terminate this offer at any time. Disqualification: Reward will be denied or forfeited if: (1) the new money requirement is not met or maintained, as defined above. For Consumer: Citizens Private Bank® Checking, Citizens Private Bank® Savings, and Citizens Access® Online Savings accounts are not eligible. For Business: Analysis Business Checking is not eligible.
Payout: Each earned checking or savings bonus, labeled “Promo Bonus,” will be deposited into the applicable new checking or savings account on the last day of the month following the month in which all applicable checking or savings requirements are met. Bonuses may be reported to the IRS for income tax purposes. The applicable new account must remain open through its payment date; if it is closed earlier, the related bonus will not be paid. Please refer to the payout timing section below.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Citizens Quest® Checking and Savings ($1,200 Gas Bonus)

This is the easiest account to keep fee free for the $1,200 gas bonus. It has a $25 monthly fee that is waived if you Make $5,000 in total deposits to your primary checking each statement period OR Maintain $25,000 in monthly combined deposits and investments. Quest savings has no monthly fee if you have quest checking.

One Deposit Checking and Savings from Citizens® ($600 Gas Bonus)

This is the easiest account to keep fee free for $600 gas bonus. It has a $9.99 monthly fee that is waived when you make at least one deposit each statement cycle.

Early Account Termination Fee

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

Our Verdict

All of the savings accounts earn 0% or close enough to. If you put the $40,000 into an account earning 5% you’d earn ~$166 per month and $15,000 you’d earn ~$62 a month so I don’t think either of the savings bonuses are worth considering. The gas bonus is interesting but it’s annoying it’s spread over 12 months and that you also need to make gas purchases to trigger it. Standard sign up bonus is $400/$500 so really only the $1,200 tier is worth considering. We will still add this to our list of the best bank account bonuses but this one is definitely not for everybody.

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