checking
Citizens Up to $1,200
Quest Checking
Quest Checking can pay up to $100 a month, $1,200 in a year, equal to qualifying fuel purchases, if you also direct deposit $1,000 that month.
Effective value after fees
$900
The bonus's $1,000 monthly direct deposit does not meet the $5,000 deposit waiver. Over 12 months that is $300 in fees if you never waive them. $1,200 minus $300 is $900. Waive the $25 and the fuel rebate is worth up to $1,200. It is still capped by what you spend on qualifying fuel.
Exact requirements
- Same campaign as the One Deposit offer, with a higher cap: up to $100 a month and $1,200 total on Quest Checking or Private Client Checking.
- The monthly amount equals qualifying fuel purchases, cent by cent, up to $100.
- Private Client Checking requires $200,000 in combined deposits and investments to stay in that product. If you fall short, Citizens can convert it to Quest.
- Bonus
- Up to $1,200
- Direct deposit
- $1,000 or more in direct deposits each month you want the checking bonus.
- Deposit
- Open Quest Checking and an eligible savings account the same day. Opening amount can be any amount.
- Keep the account open
- Stay open through each payout date. No dollar early-closure fee is stated.
- When the bonus posts
- Last day of the following month.
- Expiration
- Open by November 30, 2026.
- Monthly fee
- $25 on Quest Checking.
- How to waive it
- $5,000 in total deposits to primary checking each statement period, or $25,000 in monthly combined deposits and investments.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. The offer page does not list states.
- Last verified
- November 15, 2026
Fine print
Quest Savings has no monthly fee and is only available with Quest Checking. The checking fee is separate. Verified November 15, 2026.
Source checked November 15, 2026: https://www.citizensbank.com/promo/checking/ag-move-money-chk-2026.aspx