Citizens Bank $600–$1,800 Business Savings Bonus (4.8%–5.2% Effective APY) - 2026 Review
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- Bonus tiers
- $600 for a $15,000+ deposit
- $1,800 for a $40,000+ deposit
- Availability: 15 states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA
- Lifetime limit: one bonus per customer
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 14 days
- Maintenance/hold period: 365 days
- Total practical hold: ~389 days
Bonus Tiers & Effective APY
Overview
Citizens Bank currently offers up to $1,800 through its savings promotion. The headline tier requires $40,000 and keeps the funds committed for roughly 389 days. That is approximately 4.2% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 14-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 365-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Citizens Bank's $1,800 headline payout is closest to Citi's $2,000 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Citizens Bank promotion?
Citizens Bank currently offers up to $1,800. The headline requirement is $40,000 deposit held for about 379 days.
How much money is required for the Citizens Bank bonus?
The highest advertised payout currently requires $40,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 389 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Must open both checking and savings accounts on same day between Oct 1 - Nov 15, 2026. Consumer and business versions available separately. Checking account has monthly fees of $9.99-$25 (avoidable with qualifications).
Fees
Apply
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Sources (2)
We last checked this against the bank's page on October 6, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.