Citi Regular Checking bonus: is $325 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$325: more than leaving it at 4.15%
The math
Bonus
+$325
Extra
+$325
Get $3,000 in direct deposits (2+ deposits) within 90 days. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get $3,000 in direct deposits (2+ deposits) within 90 days
- Ends
- Oct 26, 2026
- Where
- Nationwide
- Pays while it's there
- 3.75% a year
- Monthly fee
- None
- 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 bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$325.
What are the requirements?
Get $3,000 in direct deposits (2+ deposits) within 90 days. Open nationwide.
When does it end?
The offer ends Oct 26, 2026. The terms were last checked Oct 9, 2026.