savings
Citizens Up to $1,800
Personal savings
A single $15,000 deposit into new Citizens savings can start a monthly bonus of $50, or $150 if you keep $40,000. The year-one cap is $1,800.
Effective value after fees
$1,800
Uses the $0 Quest Savings path and the $40,000 tier for all 12 months. The $15,000 tier pays $50 a month, $600 total. A fee on One Deposit Savings is avoidable with one deposit a month and is not subtracted.
Exact requirements
- Open eligible savings and a first new eligible checking account on the same day by November 30, 2026.
- One single external deposit of at least $15,000 within 10 business days. Multiple deposits do not qualify. New money cannot already be at Citizens or Citizens Access.
- Each month, $50 if the end-of-day balance is $15,000 to $39,999.99, or $150 if it is $40,000 or more. Maximum $1,800.
- A balance under $15,000 pays nothing that month and does not ruin later months.
- Bonus
- Up to $1,800
- Direct deposit
- The savings bonus does not require direct deposit. The checking account opened the same day has its own rules.
- Deposit
- One single new-money deposit of at least $15,000 within 10 business days. Keep an end-of-day balance of $40,000 or more to earn $150 that month, or $15,000 to $39,999.99 to earn $50. Up to 12 months.
- Keep the account open
- The savings account must stay open through the payment date.
- When the bonus posts
- Last day of the month after the qualifying month.
- Expiration
- Open by November 30, 2026.
- Monthly fee
- Quest Savings: $0 with Quest Checking. One Deposit Savings: $4.99.
- How to waive it
- One Deposit Savings: one deposit each statement, a $200 minimum daily balance, age under 25 or 65 and older, or the first four fees waived automatically.
- 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
You must open checking the same day even if you only care about the savings bonus. Private Bank and Citizens Access accounts are not eligible. Verified November 15, 2026.
Source checked November 15, 2026: https://www.citizensbank.com/promo/checking/ag-move-money-chk-2026.aspx