| Written by: Mark Ostermann

Citi Business Checking Bonus

There is an up to $2,000 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.

Offer Details

  • Open a new CitiBusiness® Streamlined or Flexible Checking Account by October 6, 2026.
    • Streamlined is the one you want to sign up for.
  • Within 45 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 an additional 45 consecutive calendar days from the 46th day of account opening.
  • Your bonus will be deposited to your Citibank business checking account as a credit within 30 days from the end of the month in which you complete all requirements.
  • The Cash Bonus will be reported to the IRS as interest, in the year received, as required by applicable law, and you may receive a 1099-INT form.
Citi Business Checking Bonus
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

The offer is available to new CitiBusiness Banking customers and existing CitiBusiness Banking customers who haven't had a Citibank business checking account during the 180 days immediately before opening the new account. Accounts subject to backup withholding are also ineligible. There's a limit of one cash bonus per customer per offer, but each independently operated business with its own unique Tax ID is treated as a separate customer.

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