Citizens Bank Personal checking + savings bundle bonus: is $400 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $300 for 90 days, the tier that adds the most.
Yearly rate on $300 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$300$0$300 bonus · 90 days
- +$397$300Best for you$400 bonus · 90 days
The math
Compared with leaving $300 at 4.15%
Get $500 in direct deposits within 60 days · Deposit $300 in new money within 90 days · Keep $300 there until day ?. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get $500 in direct deposits within 60 days
- 2Deposit $300 in new money within 90 days
- 3Keep $300 there until day ?
- Ends
- Oct 25, 2026
- Where
- 15 states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Citizens Bank Personal checking + savings bundle bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $300 tier adds +$397: the $400 bonus, minus the $3 that cash would have earned in 90 days. The $300 tier, with no cash parked, adds +$300. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get $500 in direct deposits within 60 days; deposit $300 in new money within 90 days; keep $300 there until day ?. Open to residents of CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA.
When does it end?
The offer ends Oct 25, 2026. The terms were last checked Oct 9, 2026.