$25 offer is not valid for existing Citibank deposit customers. To qualify for this offer you must: (1) Open and fund a new Ultimate Savings Account with a minimum initial deposit of $1,000 by 01/31/2009 using offer code CYA8 and (2) maintain a minimum balance of $1,000 in your account each month for the next 3 consecutive calendar months. $25 will be credited to your Ultimate Savings Account within 120 days from the date of satisfaction of offer terms. Account must be open and in good standing at the time of $25 credit. The amount of any bonus payment will be reported to the IRS as interest earned in the year credited.

Terms & Conditions:

$25 offer is not valid for existing Citibank deposit customers. To qualify for this offer you must: (1) Open and fund a new Ultimate Savings Account with a minimum initial deposit of $1,000 by 01/31/2009 using offer code CYA8 and (2) maintain a minimum balance of $1,000 in your account each month for the next 3 consecutive calendar months. $25 will be credited to your Ultimate Savings Account within 120 days from the date of satisfaction of offer terms. Account must be open and in good standing at the time of $25 credit. The amount of any bonus payment will be reported to the IRS as interest earned in the year credited.

$25 on $1,000 is not bad, plus you get 2.75% APY for as long as they offer it. Be sure to check fees and other conditions before applying.

What do you need to do?

• Open and fund a new Ultimate Savings Account with a minimum initial deposit of $1,000
• Maintain a minimum balance of $1,000 in your account each month for the next 3 consecutive calendar months.

Terms & Conditions:

$25 offer is only available for first-time Citibank deposit account customers, and will be paid only once to any individual. Persons who currently have or at any time have had a deposit account at Citibank (or any of its predecessor banks) are not eligible. To qualify for this offer you must: (1) Open and fund a new Ultimate Savings Account with a minimum initial deposit of $1,000 by using offer code CYA8 and (2) maintain a minimum balance of $1,000 in your account each month for the next 3 consecutive calendar months. $25 will be credited to your Ultimate Savings Account within 120 days from the date of satisfaction of offer terms. Account must be in good standing at the time of $25 credit. The amount of any bonus payment will be reported to the IRS as interest earned in the year credited.
Offer can be modified or withdrawn at any time without notice, expires , is not transferable and cannot be combined with any other offer.

** No monthly maintenance fee applies when held as a stand-alone account in the Citibank Account relationship package. Other account charges may apply.

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All you need to is fund an account with at least $1000 by December 31st, 2008, set up a direct deposit, and make two online bill payments for three months straight. Then the $100 is yours.

Application link

Here’s the fine print:

This offer is only available to Citi® cardmembers who are the primary credit card account holders. Offer is not valid for existing Citibank checking customers. All accounts are subject to approval. Participation limited to United States (“U.S.”) citizens or resident aliens with a valid U.S. taxpayer identification number. Customer is responsible for taxes, if any. Persons under 18 years of age are not eligible. Offer may be modified or withdrawn at any time without notice, is not transferable and cannot be combined with any other offer. Checking account must be funded with $1,000 or more by 12/31/2008 and must be in a Citibank Account, Citibank Everything Counts® or Citigold® account relationship package. Fees may apply to the checking account. Within the first month after account opening, customer must complete at least one direct deposit to, or at least two electronic bill payments from, the checking account each month for three consecutive months to get $100. Electronic bill payments are those you make using Citibank® Online, Citi MobileSM or CitiPhone Banking®, excluding bill payments made to Citibank credit cards and transfer payments made to accounts with Citibank or its affiliates. $100 will be deposited to your Citibank checking account within 120 days from the end of the statement period in which you met the qualifying requirements. Your checking account must be in good standing at the time each bonus payment is deposited. Checking accounts are offered by Citibank, N.A., an affiliate of Citibank (South Dakota), N.A., the bank that issues your credit card.

To take advantage, visit the Citibank Offer Page and enter CEMX in the box to get the page containing the application. Unfortunately, the application page doesn’t tell you anything about the details of the CEMX promotion but you can confirm the promotion if you hit the live chat button on the left. You can also call up Citibank at 1-800-374-9500.

The requirements for this promotion mirror those in the past:

• Open and fund a Citibank regular checking account (EZ Checking Account doesn’t apply) with at least $1,000 by 6/30/08.
• Establish a direct deposit or make two bill payments from your account each month for three months. (This is when you get the first $100 bonus payment)
• Continue direct deposits or bill payments for another three months. (This is when you get the second $100 bonus payment)

To avoid fees, you need to have a balance of over $6,000 to avoid fees.