Posted by William Charles on January 5, 2018
Bank Account Bonuses

Published on January 5th, 2018 | by William Charles

182

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

Update 01/05/18: $150 bonus has been extended, $250 bonus no longer available.

Reposting because offer is back & available again. Hat tip to readers Sam S, YARLarry

Offer at a glance

  • Maximum bonus amount: $250
  • Availability: 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.
  • ChexSystems: Mixed data points
  • Credit card funding:  Up to $1,000, Visa & MasterCard only. Limit is across all accounts, if you open checking & savings you’ll still be limited to $1,000 total.
  • Monthly fees: $9.95 – $25, avoidable
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: August 25th, 2017 December 31st, 2017 March 31st, 2018

The Offer

Direct link to offers: $150

  •  Open a new Citizens Bank On Deposit checking account and get paid a bonus of $150 when you make a single direct deposit of $500 or more within 60 days of account opening

 

The Fine Print

  • To qualify for a bonus you must open your first new personal checking account between 06/26/17 and 08/25/17 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.
  • 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  • Offer may be withdrawn without notice and cannot be combined with any other checking offer.
  • In order to be eligible to participate in this promotion, the customer must open their first new personal checking account via Citizens Bank’s online account opening system accessed by clicking on the link on this page.
  • Customer should print this screen for their records.
  • Customer may only be paid a bonus associated with this program one time.
  • If you meet all of the above requirements and open a Citizens Bank Platinum Checking® account you will receive a $250 bonus, or a $150 bonus for a One Deposit from Citizens Bank® or any other new personal checking account.
  • Bonus will post to the checking account within 90 days after direct deposit has posted and will be labeled as “Balance Builder Bonus.” Bonus will be reported to the IRS for income tax purposes.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

No Early Account Termination Fee

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

One Deposit Checking Account $9.95 Monthly Fee ($150 Bonus)

Citizens Bank Platinum Checking Account $25 Monthly Fee ($250 Bonus)

  • Citizens Bank Platinum Checking: $25 fee is waived with $25,000 in combined deposits

Our Verdict

Update: Only the $150 is available, but that’s fine as that’s the better bonus.

The Platinum checking bonus isn’t really worth considering due to how difficult it is to keep the account fee free, they have offered a targeted bonus of $400 on that account before. I guess you could go for the platinum account and just close it as soon as the bonus posts and eat any monthly fees you run into, but I think after taxes you’d be better off with the $150 bonus. They also have a $200 bonus on the One Deposit account but you need to be targeted for that and also apply in branch (more effort and you won’t be able to fund with a credit card).

Given all that I think the $150 bonus is your best bet and I do think it makes sense to open if you live in the target area. As such this will be added to our best checking bonuses.

Big thanks to reader, Peter A who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:



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182 Comments on "[CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT] Citizens Bank $150 Checking Bonus"

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Ender
Ender

Does any one has any DP on how fast does the bonus post? eg how many monthly fees I have to pay before getting bonus? Thanks

Brendan
Brendan

Why don’t you waive the monhtly fees by following what’s suggested. Any deposit will waive the monthly fees.

Ender
Ender

Because I was thinking about the platinum package…

Mark O
Mark O

4 months

Mark O
Mark O

Well I should say they waited the full 90 days from my DD at the end of 2015

Saabfan
Saabfan

I did this bonus last time.

2/23 Open
03/03 DD
4/19 Paid

Justin
Justin

As you’ve noted in another post Doc, there is a targeted $200 mailer for those who just moved. I just moved and got it

MarcoPolo
MarcoPolo

How do you get the “Mover’s pack” without actually moving?

I just came across this bonus offer under my email account banner ad but this is better since DoC has all the details 🙂

Peter
Peter

That’s how I found it 🙂

Sean
Sean

Or you could go to the post office and ask for a Mover’s Pack. They’re happy to give you one. Although not all packs (even within the states listed) have this coupon– my local one didn’t have one inside.

Dave in NJ
Dave in NJ

Sean, thanks! This worked for me, this morning I picked up a mover’s pack with a code for the $200 discount and it expires 1/31/2018.

Justin
Justin

Do they waive the fees for the first couple of months? Or they charge you immediately after you open the account?

Dan
Dan

Fees get waived approx first two statement cycles

Ry5
Ry5

I chatted with a CSR and asked if there was a promotion for opening the “One” account. The CSR said there is no promotion.

Bob
Bob

For those wondering, the Feb $150 bonus posted in 5 weeks after I completed requirements. 3/7 completed, 4/19 posted. No grace period for monthly fees AFAIK, it was the One Deposit acct last time so I was always meeting the requirements.

EO
EO

What method for direct deposit did you use? Thanks.

Bob
Bob

Alliant push. Check the DPs on this site, a lot of them

Mark O
Mark O

That is an improvement. They took the full 90 days after the DD posted to pay out the end of 2015.

Matt
Matt

Was anyone successful in getting multiple bonuses (after the 6 month period)?

Jordan
Jordan

Funded 1000 with a Visa card, but doesn’t look like it went through (not showing up on my cc nor new account).

cr7
cr7

any DPS of this working out of the target states

Aaron
Aaron

I just tried to apply for this online and received an error message. I chatted with a CSR and was told that there is a problem with the online offer and that the application needs to be completed in-branch. Has anyone else experienced this?

Aaron
Aaron

The online application issue appears to be resolved. I just submitted an online application for the One Deposit Checking account and was approved. The account was funded with a Chase Sapphire Reserve; I’ll report once I get confirmation on how the CC transaction is processed.

Aaron
Aaron

The opening deposit has appeared as a pending transaction on my CC account, so Chase Sapphire Reserve appears to be a purchase rather than a cash advance.

Joe
Joe

Was this offer removed? Clicking on the direct link doesn’t show any mention of the bonus.

Joe
Joe

Never mind. Work IP address showing I was out of state. Thanks.

SS
SS

Anyone try to fund the $1,000 this with a Citi Doublecash, Wells Fargo Cash Wise, Consumers Credit Union Visa, Capital One Spark Business, Chase Ink, etc, cards?

I read the linked funding account page about and there’s no info on those yet…

Mark O
Mark O

Just tried and was denied. Probably too many accounts 6 or 7 so far this year. Just said because of my equafax report. Will try the wife later this week.

Terrence
Terrence

Just opened the One Deposit Account. Funded 1K with the CSP. I’ll report after I see how the transaction goes through. I’ve also opened 15 accounts in the last 9 weeks so I don’t think they’re Chex sensitive.

2bdbest
2bdbest

What is the max I can fund the account with my CSP?

Terrence
Terrence

I only put in $1,000, but if you look at Doc’s post above it should be $1,000.

I’ll add another DP, the CSP coded as a purchase but it did take about 3-4 days to settle on both Citizens Bank and Chase.

Eric
Eric

Did you mean to write $100? Otherwise your first comment doesn’t really make sense.

Terrence
Terrence

Let me clarify. The only amount I tried to fund with was 1K. That’s the max according to Doc’s post above. I didn’t try anything above 1K so I don’t have a DP for anything above 1K.

Nancy
Nancy

I tried to fund both One Deposit checking and Green savings with $1000 but it didn’t work. The screen says you can only fund up to $1000 total with a credit card. I funded with my Chase IHG but it has not been charged yet. I will update if this codes as a purchase.

Law
Law

Took 3 days to settle, but Chase IHG posted as a purchase for me this week.

Randy c
Randy c

Funded $1000 with doublecash and coded as purchase

Dylan
Dylan

Link not working for me. Just goes to bank’s checking account home page with no offers. Am I doing something wrong?

SS
SS

Took maybe 5 minutes to open account and was given Account # and Routing # immediately. Also set up for online banking. Super easy.

Great application, work smoothly and few questions. This is what new accounts should look like.

Disclosure: I’ve opened maybe 2 dozen bank accounts since 2016.

Will try a few ways to trigger bonus via ACH but eventually will throw a real employer DD at it to be 100% sure.

Andrew
Andrew

Does anyone know if the credit card funding goes through immediately? I opened two accounts last night (one for me, one for my partner) both using different Citi AA cards, and neither Citi card is showing a pending charge.

Thanks!

Nancy
Nancy

The charge doesn’t go through immediately. I opened the account on Friday and the charge is pending today (tuesday).

Andrew
Andrew

Thanks, Nancy!

Dan
Dan

I’m new to this but am I missing something or did the offer get pulled? I don’t see any indication of the $150 / $250 on your direct links posted above.

Thx

DoctorofDebit
DoctorofDebit

Just DP from this Bank. I opened platinum plus checking account with promo code from someone mailer.
4/13/17 account opened and funded with CIP.
05/02/17 DD posted from Alliant pulled.
7/26/17 Bonus posted
* I have kept $1,500 in my account all the time and it seems never get charged the monthly fees.

Simon
Simon

DP:
4/11 – Opened the Platinum Plus checking, with initial deposit of $1000 using BoA Merrill+ which later posted as purchase.
5/31 – DD from my employer posted.
7/26 – Bonus and first monthly fee both posted on statement day.
7/27 – Called to convert to the One Deposit checking and also had the fee waived.

Yong
Yong

One Q for you. Is this your very FIRST checking acct with Citizen? We need clarify this. I had account last year but closed a year ago. The requirement mention First account .

Thanks!

The DJ

DP:
6/7 – opened One Deposit Checking account in person
~6/30 – withdrawal from Vanguard Brokerage account to meet DD requirement ($500)
7/27 – Bonus posted
(Also opened savings account online shortly after opening checking account to fund $1000 with credit card)

ElJefe
ElJefe

Just an FYI, this is an online offer only. On my way thru Philly I saw a branch that is open till 7pm so I thought I would try an out of state application that they were more than willing to open. But the helpful new accounts lady took it the branch manager since she hasn’t heard of the offer. The branch manager said it was on online offer only and they can’t give the bonus for in branch applications.

Patti
Patti

I just opened a One Deposit account and it was so easy! Wow, Santander ought to take a lesson here.
In no time I was logged in to online banking.
In case anyone was considering using a spouse’s cc for initial funding, it did state that the cc must be in an applicant’s name. (assuming it’s an individual acct)
Crossing my fingers here that a dd will be easy and my CSP charge of $1000 posts as a purchase.

Mark O
Mark O

Hyatt card posted with points pending

Jags
Jags

Opened two of these accounts, 1 for me 1 for wife. Both opened no problem, funded with Citi Double Cash but only 1 account accepted the CC funding, other account didn’t. Posted as purchase.

I pushed $550 from Ally, Schwab, and Vanguard, will let you know if the bonus shows up.

Andrew
Andrew

Any luck on bonus posting? Thanks!

BHanna
BHanna

when it says “you must open your first new personal checking account between 06/26/17 and 08/25/17” — does that mean it is once per lifetime??

KP
KP

Opened account yesterday. Funded account $1000 with Chase Freedom Unlimited. Hasn’t shown up yet in pending but my cash advance limit is set to just $100, so will go through as a purchase.

KP
KP

This ended up not working out. Chase blocked me twice even after I confirmed that it was me authorizing the charge. Citizens CSR said after two attempts to fund via credit card, I now have to fund in branch. Obviously no credit card funding in branch. Oh well. My DD hit today, so I’ll keep an eye out for the bonus.

Matt
Matt

The link provided says nothing about the bonus, makes me skeptical

Emerson Wang
Emerson Wang

anyone have an answer for this, is this promo still going? the link doesn’t show anything

SamSimon
SamSimon

works well, probably you are not in eligible state, or zipcode or range… they probably track out IPs… try to use ways around…

Elena
Elena

Just tried to open an acount with them using USPS code with $200 bonus. Went online, filled out the forms, got to the last conformation page and saw message: “Your application has been received, but documentation is required before we can open your accounts. Please upload (1) an image of your Driver’s License /State ID and (2) a copy of a bill or statement that matches the name and address on your application and displays a date within the past 6 months.”. I’ve done that but hasn’t received any information reguarding the account, whatever it would be opened or not. We will see..
I did open about 5 accounts in last two weeks (1 credit card, 1 savings, 2 checking, 1 investment).

SamSimon
SamSimon

hey, sorry for stupid question, why people open investment account? what are the perks? what’s APY interest?
thanks

Elena
Elena

I opened mine with Vanguard to manufacture direct deposits because I read here that it seems to be working… 🙂 But if you were to use it as intended, you could invest the money into whatever products Vanguard offers and theoretically make more than 1-3% interest normally offered by saving accounts.

SamSimon
SamSimon

I see, thx. “invest the money into whatever products” you cannot lose money this way? guarantee return/interest?

X
X

that’s enough internet for today

astoria26
astoria26

Hi Elena, were you able to open the acct and/or get your bonus yet? I also got a USPS move code and was thinking of doing the same thing. Thx!

Josh Click
Josh Click

If you aren’t seeing the offer, disable adblock!!!

Matt
Matt

Does anyone know if you fund with a credit card, if that is sufficient for meeting the requirements for the bonus? Or will you still need to do a DD or Bank Account push for the bonus?

Patti
Patti

Initial funding is not the same as a dd. I pushed from 2 banks just to be on the safe side.

Matt
Matt

Great, thanks for the reply Patti

Dylan
Dylan

When I click on the direct link, it takes me to the bank’s page but there is no mention of a bonus. Can anyone help me get to the correct page? Thanks.

SamSimon
SamSimon

Dylan, links all work, it’s your end! Either you are not in eligible state or zip code, try to use some tricks to find the way around…. as many people do here….

Dylan
Dylan

Thanks, SamSimon. I am in PA, but I’ll try a workaround.

siaung
siaung

The offer won’t show if you have adblock enabled. Either disable adblock or open link in incognito window.

Dylan
Dylan

Thanks, siaung! It worked! (I’ll give you half of my bonus 😉 )

Matt
Matt

Tried funding with Arrival+, nothing posted 2 days after getting approved for the account

Matt
Matt

*Update
DP: Arrival+ coded as purchase (I think)
Took about 3 days to settle to my Arrival+ and don’t see any additional charges. So I’m guessing it coded as purchase?

On another note, does anyone know if funding with a credit card on someone elses account works? There is literature next to the credit card name form that mentions “Must be applicant”.

Rc
Rc

Anyone know if ally works for dp?

Yeshu
Yeshu

most p2p counts as direct deposit for citizens bank

jcb
jcb

FYI deal was extended to Sep 18

Matt
Matt

Anyone get the bonus for this?

Jags
Jags

Nothing yet…

KP
KP

Yeah, still waiting for mine.

I check back here periodically to see if anyone has gotten it yet.

Patti
Patti

I’m still waiting too.
Slooooow!

I try to look on the bright side, that the bonus will post at the peak of holiday shopping season.

Josh Click
Josh Click

Make sure to switch to eStatements or you will get hit w/ $3 per statement

Jags
Jags

$150 posted today.

Nancy
Nancy

$500 DD posted 8/4/17
Bonus finally posted today 9/28/17

Patti
Patti

Nancy, mind if I ask, what did you use for a dd?

Steve F
Steve F

My bonus posted today as well. I used Chase ACH for DD.

8/21 $501 Chase ACH
9/28 $150 bonus posted

BDawg
BDawg

Bonus posted today:

7/20 Account Opened
8/4 $500 Vanguard Brokerage – Appears as “Vanguard Sell Investment”
9/28 $150 Bonus Posted

Patti
Patti

My bonus posted yesterday! 🙂
The strange thing is that it hasn’t yet for hubby nor son’s accounts.
I pushed same amounts from same accounts. The only thing different with my account is that I did set up a real dd through my employer but next week is payday. We always get a paper check first, when making changes in dd, then after that the new dd plan takes effect. Part of my dd plan includes deposits to Fulton and BMO Harris. Both of those accounts showed a test by my employer that was listed with transactions like a deposit for $0.00. Citizens didn’t list anything but I guess whatever the test is, it was enough to show them my dd is coming.
It’s not linked to statement closing date because all 3 of ours is the same.

DP:
7.30.17 Opened account
8.3.17 Pushed >$500 from our little hometown bank, Republic
8.9.17 Pushed >$500 from Santander
9.8.17 Initiated new dd changes at work to include Citizens Bank (not in effect til 10.5.17)
9.27.17 Bonus posted

I’m going to hold out a little longer for hubby and son though it’s too late to start a new dd for them.

Yong
Yong

Is this your very First checking acct with Citizen? I read the requirements a few times and First seemed dominated my thoughts. Most people may had their account before. Please let us know.

BoBo
BoBo

Opened 7/24
Fidelity Brokerage DD “Fid Bkg Svc Llc Moneyline” 7/27
Bonus $150 9/27

Stosh
Stosh

DP:

7/31/16:Opened account with credit card deposit
Mid August: DD from TopCashback acct. Over $500
9/29/17: bonus posted

Harold
Harold

I just received targeted postal mail with the same offer, ending 11/23/17.

T
T

DP:

7/20 Opened account with $1K CSP
7/31 Real Employer DD of $501
8/4-8/8 Withdrew $1,000 that I initially deposited in multiple transactions
9/27 Bonus posted
Should be withdrawing the remaining balance and closing the account in a couple of days.

KP
KP

I’m getting so jealous with all these people getting their bonuses in late September!

8/9 – I opened the account
8/9 – Funded account $100 in branch
8/31 – $600 employer DD deposited.

Still waiting for bonus.

Wondering if it will post 10/27 or 10/28 since everyone got theirs on 9/27 or 9/28

Jay Bee
Jay Bee

I’m in the same boat.

Don’t remember my exact dates off hand, but I opened and completed my requirements in August as well. I completed 3x random $500+ deposits from Alliant checking, Chase Biz checking, & Fidelity CMA, which all were successful DPs for trigger the DD requirements.

KP
KP

Finally got my bonus today! So it looks like they pay out anywhere from the 25th to 28th of the month. So over all, it went like this:

8/9 – I opened the account
8/9 – Funded account $100 in branch
8/31 – $600 employer DD deposited.
10/25 – $200.00 bonus posted

KP
KP

$150.00, not $200.00.

Flea
Flea

Just an extra DP on account closing, confirming it is possible to have your Citizens account closed via secure message (SM). The path to take is a little complicated, as follows:

-“Contact Us” tab
-“Banking Questions” category under “Email Us” option
-select “General Comments or Concerns” from drop-down menu
-within blank message, choose “Closing/Closed Account” from “Topic” pull-down menu.

(Warning: Their closing message, as well as a Consumer Affairs-style complaint I read, both say that if any transactions hit your account within the first 60 days after closing, Citizens reserves the right to reopen (!) your account to take care of said transactions. So, make absolutely sure any DD sources, bill pays, etc., are all canceled before you close.)

Don L

After signing up for the $150 bonus, received a targeted mailer for $50 additional (for completing 3 bill pays)

MarcoPolo
MarcoPolo

I again came across this bonus offer under my email account banner ad.

KP
KP

Posting this here too. Seems as though they pay out anywhere from the 25th to 28th of the month. So over all, it went like this for me:

8/9 – I opened the account
8/9 – Funded account $100 in branch
8/31 – $600 employer DD deposited.
10/25 – $150.00 bonus posted

Patti
Patti

Venmo worked to get the bonus for hubby & son. $150 bonus posted yesterday for them.

Joe
Joe

$500 DD from Huntington bank worked, the $150 posted today 10/26, took about 90 days to post.

Miles4Rez
Miles4Rez

Opened 8/30
DD 9/14
Bonus Posted 10/25

SP
SP

DD from Chase posted 8/11
Bonus posted 10/25

SamSimon
SamSimon

I know it expired but, as I can tell it was targeted offer, but they didn’t enforce it?
“Citizens Bank has a targeted $250 bonus for new checking accounts in select states. The offer was sent by mail with a unique code, so those that weren’t targeted will not be able to apply.”
They didn’t have any unique code within the application, right? Promo was auto-attached. Or they had one targeted odder and one is not?

Yet Another Redditor

Doc, per a comment on the Best Bank bonuses page (https://www.doctorofcredit.com/best-bank-account-bonuses/#comment-512352), this offer is live again from 10/9 – 12/31.

Bill
Bill
Bill

Never Mind. I see it, after trying on a different device

Aleks
Aleks

The links don’t go to any offers.

Bill
Bill

try it on a different device

Aaron
Aaron

I had – and closed – a Citizens Bank account probably 5-7 years ago. The terms make it unclear if I’m going to be eligible for the bonus. That said, the $1,000 CC funding will get me a step closer to hitting $10k spend on my Chase British Airways card (for the incremental 25,000 Avios), so I’m going to sign up and I’ll offer an update DP a little while after I’ve completed the bonus requirements.

Aaron
Aaron

Wow, as an update, I was declined!

“We’re sorry. Your application has not been approved.

Application Number: XXXXXXX
Based on the information that you provided we cannot approve your application.”

They haven’t provided me with any other details to this point. I’ll probably try to call their support number when I get a chance, and I’ll share if I get any more info.

I have only been denied for one credit card in the last 3 years (BoA – they said I had opened too many accounts in last 12 months), and I only have maybe ~6 Chex inquiries (all in the last 1-2 months – just got into the bank account bonus game).

Aaron
Aaron

For anyone interested, I called the provided 800 number, and they told me they can’t give me any more details over the phone. They did say if I visit a branch, they might be able to give me more details. Oh well I guess.

SlingShot
SlingShot

Sorry about your luck with Citizens Aaron. But don’t get discouraged. I have tried numerous times to get the Chase checking bonus with no luck. I signed up too late and now it seems Chase has figured out all the non-employer DDs sometime in late September.

But now there is BBVA bonus that is hopefully attainable. If not, the cc funding of up to $5,000 (I funded $2,500) which coded as a purchase ($25 reward) is still worth it.

I was approved for this one with Citizens (couldn’t get a moving code to save my life with last one), but my cc funding was denied.
Probably shouldn’t have used the same card I used to fund BBVA (US Visa Cash+). So now I am allowed to fund with a Bank transfer.

It seems like some people get all the bonuses, but from all the posts I’ve read, quite a few have had some kind of a snag once in a while.

So, if not this one Aaron, you will get the next one.

Aaron
Aaron

Hey, thanks for the kind words! It’s not a huge deal for me, but I was hoping to bring some DPs to the table for everyone else. Also just a little frustrating that their customer service couldn’t tell me anything about the reason I was declined.

SamSimon
SamSimon

Aaron, they should mail you letter of explanation, why you were declined… strange. I thought all banks do that!

Avi
Avi

Just in time for MSing on my new CIP! =)

gene
gene

I do not understand if you can churn or get the bonus again if you closed an account in the past more than 6 months ago? The first new checking account language seems to suggest no but the 6 month language would seem totally unnecessary if you intrepret the first new checking language as literally ONLY FIRST NEW.

Any thoughts or guidance? Should I write the company?

gene
gene

I do not understand if you can get the bonus again if you closed an account in the past more than 6 months ago?

The first new checking account language seems to suggest no but the 6 month language would seem totally unnecessary if you intrepret the first new checking language as literally ONLY FIRST NEW.

Any thoughts or guidance? Should I write the company?

Patti
Patti

No. Don’t write and ask them!
Just try it and see if it works or not. Contacting them just draws attention to your attempt to circumvent their rules.

Would you go to 55 mph road and ask a cop, “Can I do 70 here?” Of course not.

If their computers are programmed to deny you a bonus for being a former customer then you won’t get the bonus. If not, you might just get it. As they say, “Be the DP you’d like to see.”
After months of pure M&T joy, I’m convinced that not all banks are set up to thwart people who like to keep poking til they find a hole.
It took M&T a long time to figure out they were hemorrhaging money and finally had to toughen up but I don’t think any other banks offer that many consecutive codes.

gne
gne

can anyone please post if they got the bonus even though they had a prior account and that way I will know whether to try without having to call? I still don’t understand their true intent given the inconsistency between first new checking and can’t be a prior holder for 6 months…no need for 6 month language if only new checking is getting bonus?

Will
Will

Are you sure this is currently available? I see no language about a bonus and I asked via live chat if there was a promotion and they said no.

Dan
Dan

I can confirm that I received this bonus for a second time, so despite the language “first new personal checking account”, there is no lifetime limit enforced. Also transfer from Alliant saving triggered the DD.

Patti
Patti

Awesome Dan! How long did you wait after receiving the first bonus to apply for another account?

Susie
Susie

11/16/17 Credit card funding $1000 Sapphire Preferred coded as a sale

Mike
Mike

Got declined for two accounts, this and BBVA, what could be the reason.. I opened a couple accounts, maybe 8 or 9, in the past 2 years

Yong
Yong

The reason may be very simple. My wife was rejected by PNC bank. Then we found out that
one could not close Huntington acct by calling if bank within 10 (?) miles from your residence.
Even bank did not know why and we found out by apply Early Warning
https://www.earlywarning.com/downloads/CIC%20Form-170215-0811-SAMPLE.pdf. Again the reason could be this is not your First acct with Citizen. I sincerely hope people got the bonus
tell us little more to be helpful. I read the comments very often and still not know whether I should apply because I got 2 bonuses from Citizen.

andrew
andrew

Finally my DP:

Opened 9/6
DD by Chase personal checking: 9/12
Bonus posted: 11/29

SamSimon
SamSimon

Rep replied:
“The $25,000 balance needs to be in the account before the end of your first statement cycle. That differs from account to account, so we will not know what the system set your statement cycle as until the account has opened. For example it might be the 4th business day of the month.
So from the 4th business day of one month, to the next. In between that time period there would have to be an available balance of $25,000 otherwise the monthly maintenance fee would be applied.”

Dovid
Dovid

Opened the platinum (for the 250) on Sep 14, DD from red card on Oct 10, Bonus posted Nov 29, and I was not hit with any monthly fees, (seems like the first few months are waived).

SamSimon
SamSimon

wow, that’s mean it’s not enforced for now…

SamSimon
SamSimon

I just called to get some info! She (Rep) said 90 days grace period for depositing $25,000
One Rep who I chatted and told me no grace, but she said there is…. it seems there is based on Data points….

Superchurn
Superchurn

Am I just…blind? or are the Direct Links not leading to the actual offer?

neither one leads to a page that mentions the promo.

is it dead?

Superchurn
Superchurn

weird….it only leads to the promo page for me in incognito mode in Chrome

SamSimon
SamSimon

Yeah, issue with your IP, state, or cookies….. who knows what algorithm within their website banks are using….

Adam
Adam

It did not work for me in incognito on firefox but worked for me on chrome.

crystal
crystal

Do I need a promotional code to get the bonus? I chatted with a CSR and was told I need a code. please confirm. Thanks!

Tom
Tom

No, you don’t need a promo code. Just click open the account online through the link and as you progress in the app it will automatically apply a promo code. You will see the promo code on the last page before confirming to open the account.

Mrs. Gee
Mrs. Gee

It looks like this has now been extended through March 31, 2018 .

Elliot
Elliot

Looks like expiration on this has been updated to 3/31/18. Thanks!

Sam
Sam

$250 bonus link is not working for me.
Can somebody check and confirm please. Thanks!

crystal
crystal

it looks like the $150 offer is still available

dizzy
dizzy

Just FYI- Spark biz coded as sale (opened checking first, then funded savings after)
Also the mailer packs now only have the $150 offer (Philly)

Mims
Mims

Both my wife and I were declined. 10+ new accounts over the last year.

Mims
Mims

Update: After temporarily unfreezing my Equifax report, I applied again and was approved. I did the same for my wife, but she was still denied. Odd since we both have applied and been approved for other accounts since we originally froze our reports in September.

saaywhaatjaake
saaywhaatjaake

Is this still live? Clicking the direct link to the offer doesn’t show any mention of a bonus

https://i.imgur.com/vPEc2sE.png

GGBG
GGBG

Same thing for me

Miroslaw
Miroslaw

Seeing the same thing. Looks like this may be dead.

Miroslaw
Miroslaw

Got the offer to come up with Incognito Window in Chrome.

DirtyLilRat
DirtyLilRat

Does using Fidelity Visa count as a purchase?

Alex
Alex

I got the same bonus 9/27/2017, and the account is still open.
Can I apply and get bonus again?
Thanks

Jake N
Jake N

Got denied. The email that came after with the denial referred to Equifax. I’m pretty sure I opted put of OD, but perhaps I missed that. Either way, lots of new accounts for me this year, so I’m not entirely surprised.

CorradoJr
CorradoJr

I applied for the old $400 offer, and have transferred $1000 from my Capital One 360 account into the new Platinum Checking account. I’m fine with waiting 45-60 days as some DP’s mention to earn the bonus.
Can anyone tell me if I can remove my $1000 deposit or if it must stay deposited in order to the bonus post?

NoonRadar
NoonRadar

During account opening you can only do $1K total of credit card funding whether or not you select to open a savings account at the time.

I’m not sure if people have tried to go back after the fact and open a savings account and fund it with a credit card. It will prob incur another Chex hit if it is a different account application; if so it is definitely not worth it for the $20+ profit via credit card funding.

daxihe
daxihe

Got a mailer coupon of $200 for single direct deposit of $500+ within 60 days: L7CVP95949355. If you use it please say so. Thanks.

MF
MF

I just used the promo code and opened up an account online. I will keep you posted if was approved for it. Thank you very much 🙂

Brian
Brian

Direct link didn’t work – it was just a “one-deposit” page, no mentioning of the bonus.

Brian
Brian

Google search only found the “supermarket branch” 150 bonus. I had to drive 2.5 hours last time. Got the bonus and it was fun, but not sure if it is worth doing.

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