Citi Regular Checking
Our take
- This is a solid low-effort bonus if you can route $3,000 through the account in at least two qualifying deposits within 90 days.
- Citi's Enhanced Direct Deposit definition is unusually broad — ACH-based transfers through Zelle, PayPal, or Venmo can qualify, so payroll is not your only option.
- Make sure you complete two separate deposits, not one, and keep the account open and in good standing until the $325 posts between days 90 and 120.
- Watch the $15 monthly fee: send at least $250 in Enhanced Direct Deposits each month or qualify for a Relationship Tier to avoid it.
Requirements
Receive at least two Enhanced Direct Deposits into the new Regular Checking account within 90 calendar days of opening. The deposits must total at least $3,000; deposits sent to a savings account do not count.
Direct deposit methods
Confirmed8
Fidelity CMA
Standard ACH pushes from Fidelity CMA have counted toward the $3,000 Enhanced Direct Deposit total.
Charles Schwab Brokerage
A standard ACH push from Charles Schwab Brokerage has counted toward the qualifying total.
Capital One 360 Checking
Standard ACH pushes from a Capital One personal checking account have counted. Use standard ACH rather than an instant-transfer service.
SoFi
Standard ACH pushes from SoFi have counted toward the Enhanced Direct Deposit threshold; the source did not identify the specific SoFi account type.
Venmo
Citi's official terms expressly include P2P payments transferred through the ACH Network using Venmo as Enhanced Direct Deposits.
Zelle
Citi's official terms expressly include incoming Zelle payments as Enhanced Direct Deposits.
Chase Checking
Standard ACH pushes from a personal Chase account have counted toward the qualifying total, including one report exceeding $3,200. Source account type wasn't explicitly stated as checking; treated as Chase Checking per the resolved generic-Chase convention.
PayPal
Works via a standard ACH transfer from PayPal.
Terms & account details
Fee waiver — any one of:
- The $15 monthly service fee is waived for each month the account receives at least $250 in Enhanced Direct Deposits.
- The monthly service fee is waived while the account is enrolled in a Citi Relationship Tier.