Citizens Bank Has $150 Checking Bonus In Supermarket Branches


Availability: Market area includes Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont. Eligibility determined by Zip Code.

Now through February 26, 2016, you can earn $150 by opening a new Citizens Bank personal checking account at any of the Bank’s supermarket branches. According to the promotional page, there is only requirement to meet:

Set up direct deposit of $250 or more that posts
to your new account within 60 days of account opening.

That’s it - nothing more, nothing less.

The last time Citizens Bank had a supermarket branch promotion, online banking enrollment and online bill payments were required to obtain the bonus.


  • Not available to those who have been a primary or secondary signer on any Citizens Bank personal checking account in the previous six months.
  • Account must be open and in good standing to receive the $150 bonus.
  • Bonus will be deposited into checking account by June 30, 2016, labeled as "Balance Builder Bonus."
  • One bonus per customer.

Citizens Bank has four checking accounts, any of which qualify for the $150 bonus:

  • One Deposit Checking - $9.99 monthly fee waived with one deposit (any amount) per statement period.
  • Value Checking - $3.99 monthly fee cannot be waived.
  • Personal Checking With Interest - $11.99 monthly fee waived if a $2.5K daily average balance is maintained.
  • Circle Gold Checking With Interest - $20.00 monthly fee waived if $20K monthly combined balance (including deposit, loan and investment accounts) is maintained

Complete details on all four checking accounts can be found in the Compare Checking Accounts page.


The $150 checking bonus is available in Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont, with eligibility based on Zip Code. Account eligibility can be determined on the first page of the online application by entering the applicant's Zip Code.

As mentioned earlier, this promotion is only available in Citizens Bank supermarket branches, which can be located using the Bank’s Branch/ATM Locator.

Bank Overview

Citizens Bank (FDIC Certificate # 59757) has an "A+" rating at, with a Texas Ratio of 4.54% (excellent) as of September 30, 2015. In the past year, Citizens Bank has increased its total deposits by $6.17 Billion, an excellent annual growth rate of 8.94%. Please refer to our financial overview of Citizens Bank for more details.

Citizens Bank traces its origins to High Street Bank, which was established in 1828 in Providence, Rhode Island. In 1871, the Bank established its own savings bank, Citizens Savings Bank. Through over 30 acquisitions and natural growth, Citizens Bank evolved from the fifth-largest bank in the smallest state in the U.S. into its current position as one of the 15 largest commercial banking companies in the country. With over $104 Billion in assets, the Bank’s expanded footprint, from New England into the Mid-Atlantic and the Midwest, encompasses 30 percent of the U.S. population.

How the Checking Bonus Compares

One attractive feature of Citizens Bank's checking bonuses is that it’s possible to "churn" them every year or so, as the Bank, in the past, has required that signers not be on a checking account only in the previous six months.

With no early account termination fee, it would be possible to open a One Deposit Checking with a $25 minimum deposit, have a $250 direct deposit, make one small deposit monthly (as little as $1), keep the account for approximately four months (bonus to be credited by June 30, 2016), and earn an easy $150.

Simply put:

  • $279 in a One Deposit Checking for 4 months returns a $150 bonus.
  • $279 in a savings account earning 1.00% APY returns $0.69.
  • Other Bank Promotions and Bonuses

    Not eligible for Citizens Bank’s supermarket checking bonuses? Check out my latest bank and credit union bonus blog posts to find other promotions. In addition, readers and I also post often on bonuses in the Bank Promotions Forum.


    Anonymous   |     |   Comment #3 any of the Bank’s supermarket branches? Where are all of them found? this bank seems to have very limited geography in NJ, NH, DE, NY, and VT!? For example, MA and RI has lots of branches, and at Stop and Shop. In NH, very few.. Shaw's and Hannaford. In NJ, there's only like 4 branches total, 2 at Acme. In PA, it's scattered with some Acme and Giant. In CT, i cannot find any supermarket with Citizens; CT's Stop and Shop have People's United Bank. In NY, i can only find few branches at Stop and Shop near New Rochelle. Can anyone help find the majority of supermarkets with Citizens Bank in their state? CT? VT? MI? OH? DE?
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