Citi Regular Checking + Citi Savings bonus: is $475 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $5,000 for 45 days, the tier that adds the most.
Yearly rate on $5,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$325$0$325 bonus · 45 days
- +$449$5,000Best for you$475 bonus · 45 days
The math
Compared with leaving $5k at 4.15%
Get $3,000 in direct deposits (2+ deposits) within 45 days · Deposit $5,000 in new money within 45 days · Keep $5,000 there until day ?. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get $3,000 in direct deposits (2+ deposits) within 45 days
- 2Deposit $5,000 in new money within 45 days
- 3Keep $5,000 there until day ?
- Ends
- Oct 26, 2026
- Where
- 10 states: NY, CT, MD, VA, DC, CA, NV, NJ, FL, IL
- Monthly fee
- None
- Cash stays
- About 45 days
- Bonus paid
- Usually within 30 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Citi Regular Checking + Citi Savings bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000 tier adds +$449: the $475 bonus, minus the $26 that cash would have earned in 45 days. The $325 tier, with no cash parked, adds +$325. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get $3,000 in direct deposits (2+ deposits) within 45 days; deposit $5,000 in new money within 45 days; keep $5,000 there until day ?. Open to residents of NY, CT, MD, VA, DC, CA, NV, NJ, FL, IL.
When does it end?
The offer ends Oct 26, 2026. The terms were last checked Oct 9, 2026.