Citizens Bank One Deposit Savings bonus: is $1,800 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $40,000 for 395 days, the tier that adds the most.
Yearly rate on $40,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- −$72$15,000$600 bonus · 395 days
- +$8$40,000Best for you$1,800 bonus · 395 days
The math
Compared with leaving $40k at 4.15%
Deposit $40,000 in new money within 14 days · Keep $40,000 there until day 395. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $40,000 in new money within 14 days
- 2Keep $40,000 there until day 395
- Ends
- Nov 15, 2026
- Where
- 15 states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA
- Pays while it's there
- 0.01% a year
- Monthly fee
- None
- Cash stays
- About 395 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 One Deposit Savings bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $40,000 tier adds +$8: the $1,800 bonus plus $4 interest, minus the $1,796 that cash would have earned in 395 days. The $15,000 tier adds −$72. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $40,000 in new money within 14 days; keep $40,000 there until day 395. 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 Nov 15, 2026. The terms were last checked Oct 9, 2026.