[YMMV] Citizens Bank $150 Checking Promotion [MI & OH, CT, DE, MA, NH, NJ, NY, PA, RI, and VT]

Offer at a glance

• Maximum bonus amount: $150
• Availability: Offer only available to the person who receives this email MI & OH, CT, DE, MA, NH, NJ, NY, PA, RI, and VT
• Direct deposit required: No
• Additional requirements: Five debit card purchase or payments or an additional deposit
• Hard/soft pull: Soft pull if you apply at branch, hard online (YMMV). Read the linked data points for more information. 
• Credit card funding: Up to $1,000 (cannot be funded in branch with a credit card)
• Monthly fees: $9.99, waive-able
• Early account termination fee: Unknown
• Expiration date: None listed

The Offer

Direct link to offer

• Register online using the form to receive a coupon code.
• Open any new personal checking account within 30 days of completing the form.
• Make an additional deposit (excluding the opening deposit) or five qualifying debit card payments or purchase within 45 days of opening new account
• Receive $150

The Fine Print

• 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
• Qualified debit card payments and purchases include signature and PIN based debit transactions through a third party web site and in person directly at a merchant. Online Bill Payments and ATM transactions do not qualify
• Bonus will be deposited within 145 days of account opening
• One bonus per customer
• Offer only available to the person who receives this email
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly fee of $9.99 is waived if you have a deposit of any amount to the checking account that month. We couldn’t locate their fee schedule so I am unsure if there is any early account termination fee or not.

Our Verdict

Given that it’s a hard pull if you open online, I’d open in branch and confirm that I was eligible for this offer before signing up. Although in the past they’ve offered a sign up bonus of up to $200 publicly, and lots of $150 bonuses so I’d probably just wait for one of those.

If you didn’t know already, Charter One has finally taken on the Citizens Bank brand name as well. We’ve added this bonus to our database, if you didn’t receive the targeted offer and sign up anyway – please let us know how you get on with this bonus in the comments below. As always I’d recommend taking a peak at our recommended bonuses.

Direct link to offer | Screenshot of offer

Hat tip to Mighty Travels