Offer Details
Written by: RJ
Requirements
- Open a new Checking account in the Citi Account Package list
- Deposit the following amounts within 20 days of account opening
- Maintain balance for 60 days, starting from day 21 of account opening
- $30k = $500
- $200k = $1,500
- $300k = $2,500
Eligibility
- Nationwide
- Can’t have had an account within the last 365 days
Fees
- Bask Banking package – $12/monthly fee is avoidable with one of the following
- Direct deposit and one bill pay per statement cycle
- Minimum balance of $1,500
Account Closure
- No rules listed
Valid through 7/8/24
Thoughts
Citi cut a lot of tiers this go around…
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Editorial Note:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
Don’t do this one. I tried and had to file 6 disputes to try to get my promo bonus. i kept the initial sign up email but they said i wasn’t targeted.
Was thinking about this.
Let’s say you do the $10k for $200.
Apr 1 you open the account
Apr 18 you push 10k over
June 21st (81 days from open, 62 days from deposit) they give your $10,200 back.
That’s a ROI of 2% with an annualized ROI of 11.96.
Now, you take 10k and put it in Marcus with the bonus 1% + .1% AARP (4.85%):
62 days of 10k gets you: A = $10,082.38.
I think the key on these is to try to find either:
A) A checking that doesn’t make you keep the money there (a la Huntington, 5th 3rd) or:
B) A good savings rate to accompany your 10k.