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Worth it?

Citi Personal Wealth Management account bonus: is $5,000 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$5,000: more than leaving it at 4.15%

With $2,000,000 for 123 days, the tier that adds the most.

With the bonus4.89%
Leave it where it is4.15%

Yearly rate on $2,000,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $50,000
    $500 bonus · 123 days
    +$500
  • $200,000
    $1,000 bonus · 123 days
    +$1,000
  • $500,000
    $2,000 bonus · 123 days
    +$2,000
  • $1,000,000
    $3,000 bonus · 123 days
    +$3,000
  • $2,000,000Best for you
    $5,000 bonus · 123 days
    +$5,000

The math

Compared with leaving $2M at 4.15%

Bonus
+$5,000
Interest while it's there
4.15% for 4 mo
+$27,970
What it'd earn at home
$2,000,000 at 4.15% for 4 mo
−$27,970
Extra
+$5,000
Works out to 4.9% a year on that cash, vs 4.15% at home.

Enroll in the promotion by calling 1-833-350-2258 (or Financial Advisor) between… · Deposit $2,000,000 in new money within 92 days · Keep $2,000,000 there until day 123 · Enroll (or stay enrolled) in eDelivery of statements through the Account Funding Period. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Enroll in the promotion by calling 1-833-350-2258 (or Financial Advisor) between…
  2. 2Deposit $2,000,000 in new money within 92 days
  3. 3Keep $2,000,000 there until day 123
  4. 4Enroll (or stay enrolled) in eDelivery of statements through the Account Funding Period
Ends
Dec 31, 2026
Where
Nationwide
Pays while it's there
4.15% a year
Monthly fee
None
Cash stays
About 123 days
Bonus paid
Usually within 30 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Citi Personal Wealth Management account bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $2,000,000 tier adds +$5,000: the $5,000 bonus plus $27,970 interest, minus the $27,970 that cash would have earned in 123 days. The $1,000,000 tier adds +$3,000. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Enroll in the promotion by calling 1-833-350-2258 (or Financial Advisor) between…; deposit $2,000,000 in new money within 92 days; keep $2,000,000 there until day 123; enroll (or stay enrolled) in eDelivery of statements through the Account Funding Period. Open nationwide.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.