Citizens Checking + Savings bundle

You get

Up to $3,000

Bonus is paid in 12 monthly pieces, not up front.

You need to

Get $1,000+ in direct deposits a month and put $15,000+ in savings.

The bank's rules, word for word

1. Checking: $1,000+ in direct deposits each month, and each month's bonus equals your Citizens debit card gas station spend (merchant codes 5541/5542), up to $100/month ($1,200 total) for Quest or Private Client, or $50/month ($600 total) for One Deposit, EverValue or Student
2. Savings: one deposit of $15,000+ new money within 10 business days
3. $50/month while the balance is $15,000 to $39,999, or $150/month at $40,000+ (up to $1,800)
4. Open both the same day, Oct 1 to Nov 15, 2026

How long to wait

Paid monthly over 12 months; keep balances and activity for the year.

Fees

We did not find a fee in our data.

Look at the bank's fee list before you open it.

Ends

Open by Nov 15, 2026

Who can get it

Select states (branch footprint). Check eligibility.

Virginia: Listed as available in VA by Doctor of Credit; offer page does not list states.