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New Checking Account - Chase or Citi?

Frequent Contributor

New Checking Account - Chase or Citi?

Well, this is my situation. I've my Credit Union checking as primary and BofA Checking as secondary. Nothing wrong with either of them but Chase and Citi have been wooing me with offers ranging from $100 to $300 for direct deposit enabled checking account. 


Any ideas from esteemed members here?

Aug 14 - TU548/EQ582/EX535
>Jun 17 TU719/EQ709/EX686
Total SL: 210K across the board
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Valued Contributor

Re: New Checking Account - Chase or Citi?

Split up your direct deposit and do both. Make sure to do the minimum to avoid monthly fees, then close them once they've been open long enough to meet the bonus requirement.


I think I have 7 checking accounts right now . . lol.

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU Cash Rewards/PenFed Power Cash Rewards/PenFed Pathfinder AMEX - $60k total revolving
EQ/EX/TU: FICO 8's Oct 2018: 700/685/671, 1% utilization/AZEO, INQ's: 6/2/4
Message 2 of 3
Frequent Contributor

Re: New Checking Account - Chase or Citi?

There's really no wrong choice here since it will all come down to preference and/or which bank has the most branches next to you. Other than that, it's really up to you.


Personally I like having multiple products with the major commercial banks so I would choose which bank I have credit cards or other bank accounts with. It sometimes makes it easier to get their other products in the future should you decide to do so.


Good luck to you!


STATUS: Gardening until October 30, 2019
CURRENT FAVORITE CARD: American Express Rose Gold Card
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