Bounty
Worth it?

Citi Regular Checking bonus: is $1,500 worth it?

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

+$193: more than leaving it at 4.15%

With $30,000 for 90 days, the tier that adds the most.

With the bonus6.76%
Leave it where it is4.15%

Yearly rate on $30,000 while it's there, bonus included.

Every tier

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

  • $30,000Best for you
    $500 bonus · 90 days
    +$193
  • $200,000
    $1,500 bonus · 90 days
    −$547

The math

Compared with leaving $30k at 4.15%

Bonus
+$500
Interest while it's there
No interest assumed
$0
What it'd earn at home
$30,000 at 4.15% for 3 mo
−$307
Extra
+$193
Works out to 6.8% a year on that cash, vs 4.15% at home.

Deposit $30,000 in new money within 45 days · Keep $30,000 there until day 90. Terms checked Oct 9, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $30,000 in new money within 45 days
  2. 2Keep $30,000 there until day 90
Ends
Oct 26, 2026
Where
Nationwide
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 30 days of finishing
Credit check
A ChexSystems inquiry (not your credit score)
Terms checked Oct 9, 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 Regular Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $30,000 tier adds +$193: the $500 bonus, minus the $307 that cash would have earned in 90 days. The $200,000 tier adds −$547. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $30,000 in new money within 45 days; keep $30,000 there until day 90. Open nationwide.

When does it end?

The offer ends Oct 26, 2026. The terms were last checked Oct 9, 2026.