Citi Business Checking Bonus

There is an up to $2000 Citi business checking bonus available that is one of the better business checking offers out there. The downside of the offer is it is for in branch only. There is an online landing page, but it still prompts you to go into branch once you fill out your information. To be honest, I recommend opening business checking bonuses in branch because there can be a lot of issues with finding the proper business code etc. Banks are way more stringent on that for business checking offers than they are for personal checking or even business credit cards. This appears to be only available in certain areas too. My guess is you need to be somewhat near a branch to be eligible.

Update 3/3/25: They are back with this offer once again with a slightly different bonus structure.

Offer Details

• Open a new CitiBusiness^® (Analyzed), Streamlined, or Flexible Checking Account by July 7, 2025.
  • Streamlined is the one you want to sign up for.
• Within 30 days of account opening, make a qualifying deposit of $5,000 or more in New-to-Citibank funds to eligible accounts
• Maintain your balance for 60 consecutive calendar days

The bonus levels break down as follows:

• $5,000 – $19,999
  • $300 bonus
• $20,000 – $49,999
  • $500 bonus
• $50,000 – $99,999
  • $1,000 bonus
• $100,000 – $199,999
  • $1,500 bonus
• $200,000+
  • $2,000 bonus

There doesn't appear to be an early account termination fee that I could see.

Avoiding The Monthly Fee

The Citi Business Streamlined comes with a $15 a month fee which can be avoided if you carry a balance of $5,000+. That means you should be able to avoid fees if you sign up for that account, and are chasing the bonus, since $5,000 is the minimum you need to deposit to earn a bonus.

Link To Offer – It Will Prompt You To Open In Branch

Citi Business Checking Bonus: ToP Thoughts

I would likely chase this Citi business checking bonus if my area was eligible. The $20,000 deposit for $750 was the sweet spot with the old offer, but they broke down the levels more this time. Now I would probably say the $50,000 deposit level for $1,000 is the best option to try to go for.

If short on cash, the $5,000 offer is decent too. Especially since depositing the $5,000 avoids the monthly fee on the Streamlined business checking account. I don't think the Interest checking account offers much in terms of APY to go that route, even if depositing over $10,000 gets the fee waived.

Let me know if you are eligible for this one over in the ToP Facebook Group.