Citi $300–$2,000 Business Savings Bonus (21.9% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Citi's business checking bonus is the king of business bonuses at up to $2,000. Five tiers from $300 (at $5k) to $2,000 (at $200k). Deposit within 45 days, maintain 45 days. State restricted to CA, FL, IL, MD, NV, NY, DC.
Who This Savings Bonus Is Best For
Business owners in eligible states (CA, FL, IL, MD, NV, NY, DC) with significant cash reserves. The $1,000 tier at $50k is the practical sweet spot.
How to Maximize This Bonus
Open a Citi business checking account in an eligible state. Deposit within 45 days and maintain for 45 days. The $1,000 tier at $50,000 offers good balance between capital and return. The top $2,000 tier requires $200,000 — only worth it if you have idle business cash.
Pros
Cons
How This Compares to Other Bonuses
Frequently Asked Questions
Which states qualify for the Citi business bonus?
California, Florida, Illinois, Maryland, Nevada, New York, and Washington DC. You must open the account in one of these markets.
Eligibility
In-branch only (YMMV — mention the offer to a Business Specialist). New business checking customers only. State restricted: CA, FL, IL, MD, NV, NY, DC. Expires July 7, 2026.
Fees
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.