[Expired] Citizens Bank $300–$1,500 Business Savings Bonus (7.8%–31.3% Effective APY) - 2026 Review
Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.
- Bonus tiers
- $300 for a $5,000+ deposit
- $500 for a $15,000+ deposit
- $750 for a $30,000+ deposit
- $1,500 for a $100,000+ deposit
- Availability: 15 states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, DC, MD, FL
- Lifetime limit: one bonus per customer
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 60 days
- Maintenance/hold period: 60 days
- Total practical hold: ~70 days
Bonus Tiers & Effective APY
Overview
Citizens Bank's $1,500 savings promotion is expired. This page preserves the final tracked tiers, requirements, and history.
Pros
Cons
Notes
Complete 5 qualifying transactions within two months and keep the account in good standing until the reward posts. Confirm that purchases or transactions are eligible before relying on them.
How This Compares to Other Bonuses
Citizens Bank's $1,500 headline payout is closest to Capital One's $1,500 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?
The final tracked promotion paid up to $1,500; it is now marked expired.
How much money is required for the Citizens Bank bonus?
The highest advertised payout currently requires $100,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 70 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
This reaches most people as a mailed offer tied to the address on the mailer, though readers report bankers honouring it in branch without the online link, so ask. Open your first new Clearly Better Business Checking or Business Advisor Checking between 4/1/2026 and 8/31/2026. Your tier is set by a single new-money deposit: $5,000 to $14,999.99 pays $300, $15,000 to $29,999.99 pays $500, $30,000 to $99,999.99 pays $750 and $100,000 or more pays $1,500. The money must not already be on deposit at Citizens. Complete 5 qualifying transactions within two months. Soft pull, and available across CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, DC, MD and FL.
Fees
Sources (2)
We last checked this against the bank's page on October 3, 2026.
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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.