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<p>æ¯ä¸ä¸ªç»å¸¸åºç°çdealï¼æèªå·±è·³è¿å¥½å æ³¢äºãæ£å¥½è¿å®å¹´æ¶è´¹å®ï¼å¤§å®¶èµ¶ç´§æ¸ç¾æ¯æç¹é±ã</p>



<figure class="wp-block-image size-full is-resized"><img src="https://travelwithless.net/wp-content/uploads/2026/01/image-1.png" alt="" class="wp-image-44752" style="aspect-ratio:1.5229607070345157;width:231px;height:auto"/></figure>



<h2 class="wp-block-heading"><strong>ãç°å¨ Citi Checking ç»ä»ä¹å¥å±ï¼ã</strong></h2>



<p>ç®å毠;<strong>åæ¡£å¥å±å¶</strong>ï¼ä¸æ¯“é便å¼ä¸ä¸ªå°±ç» $300”ã</p>



<h3 class="wp-block-heading"><strong>æ¹æ¡ä¸ï¼å°é¢ DD 路线ï¼æéåæ®éç©å®¶ï¼</strong></h3>



<ul class="wp-block-list">
<li><strong>å¥å±ï¼çº¦ $300–$325</strong></li>



<li>æ¡ä»¶ï¼
<ul class="wp-block-list">
<li>æ°å¼ Citi Checking</li>



<li><strong>90 天å å®æ 2 ç¬ Enhanced Direct Deposit</strong></li>



<li><strong>累计 ≥ $3,000</strong></li>
</ul>
</li>
</ul>



<p>ð éåè°ï¼</p>



<ul class="wp-block-list">
<li>æå·¥èµ / å¦æ ¡ stipend / å ¬å¸æ¥éèµ° ACH ç</li>



<li>æè 轓æ³åæ³”å ACH DD ç</li>
</ul>



<p>è¿æ¯<strong>æ容æä¸è½¦</strong>çä¸æ¡£ã</p>



<hr class="wp-block-separator has-alpha-channel-opacity"/>



<h3 class="wp-block-heading"><strong>æ¹æ¡äºï¼å¤§é¢åé±è·¯çº¿ï¼åé«åå¼ï¼</strong></h3>



<ul class="wp-block-list">
<li><strong>$750 å¥å±</strong>
<ul class="wp-block-list">
<li>45 天å åå ¥ ;<strong>$30,000</strong></li>
</ul>
</li>



<li><strong>$1,500 å¥å±</strong>
<ul class="wp-block-list">
<li>45 天å åå ¥ ;<strong>$200,000</strong></li>
</ul>
</li>



<li>é½è¦æ±ï¼
<ul class="wp-block-list">
<li>èµé毠;<strong>New-to-Citi Funds</strong></li>



<li>é覠;<strong>ç»´æä¸æ®µæ¶é´ä½é¢</strong></li>
</ul>
</li>
</ul>



<p>ð éåè°ï¼</p>



<ul class="wp-block-list">
<li>æ¬æ¥å°±æ大é¢ç°é</li>



<li>åªæ¯æ³“顺便æ¸ä¸ä¸”</li>
</ul>



<p>ð ;<strong>ä¸å»ºè®®ä¸ºäºå¥å±ä¸é¨é $200k</strong>ï¼æºä¼ææ¬å¤ªé«ã</p>



<figure class="wp-block-image size-large"><img src="https://travelwithless.net/wp-content/uploads/2026/01/image-1024x466.png" alt="" class="wp-image-44755"/></figure>



<h2 class="wp-block-heading"></h2>



<h2 class="wp-block-heading"><strong>ãä»ä¹æ¯ Citi æå ³é®çï¼Enhanced Direct Depositï¼ã</strong></h2>



<h3 class="wp-block-heading"><strong>ä¸è¬“ç®æ°”ç DD</strong></h3>



<ul class="wp-block-list">
<li>å·¥èµï¼Payrollï¼</li>



<li>å¦æ ¡/ç§ç stipend</li>



<li>社ä¿ãå »èé</li>



<li>é¨å ACH è½¬å ¥ï¼åå² DP æ¾ç¤ºå¯è¡ï¼</li>
</ul>



<h3 class="wp-block-heading"><strong>ä¸è¬“ä¸ç®”ç</strong></h3>



<ul class="wp-block-list">
<li>èªå·±é¶è¡ä¹é´æå¨è½¬è´¦</li>



<li>Zelleï¼å¤æ°æ åµä¸ç®ï¼- citiå¯ä»¥ç®ï¼</li>



<li>ç°éãæ¯ç¥¨ãATM å款</li>



<li>Venmo / PayPal æ®é转账</li>
</ul>



<p>â ï¸ Citi 对 DD çå¤å® ;<strong>æ¯ Chase ä¸¥æ ¼ãä½æ¯ Wells Fargo æ¾ä¸ç¹</strong>ï¼<br>ä½<strong>ä¸è¦èµè¾¹ç¼ç©æ³</strong>ï¼å¦åå¾å®¹æ 90 天ç½å¿ã</p>



<hr class="wp-block-separator has-alpha-channel-opacity"/>



<h2 class="wp-block-heading"><strong>ãè´¦æ·æè´¹ &; éå½¢ææ¬ã</strong></h2>



<ul class="wp-block-list">
<li>常è§æè´¹ï¼<strong>$12</strong></li>



<li>é常å¯éè¿ä»¥ä¸æ¹å¼å ï¼
<ul class="wp-block-list">
<li>è¾¾å°æä½ä½é¢</li>



<li>ææ¯ææ DD</li>
</ul>
</li>
</ul>



<p>ð å°é±å¤§ç©è§è§ç»è®ºï¼</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p><strong>åªè¦ä½ æ¯ä¸ºäº bonus èæ¥ï¼åºæ¬é½è½é¡ºæå æè´¹</strong><br>ä½ä¸è¦å¿äºç¬¬ä¸ä¸¤ä¸ªæçè¿æ¸¡æã</p>
</blockquote>



<hr class="wp-block-separator has-alpha-channel-opacity"/>



<h2 class="wp-block-heading"></h2>



<h2 class="wp-block-heading"><strong>ãå¥éä»ä¹æ¶åç»ã</strong></h2>



<p>å®æ¹æ¡æ¬¾åå¾æ¯è¾ä¿å®ï¼ä½æçç»éªæ¯ï¼</p>



<ul class="wp-block-list">
<li><strong>å®ææ¡ä»¶åå å¨å å°è´¦</strong></li>



<li>ä¸æ¯å½å¤©ç§ç»</li>



<li>ææå°ä¸ä¸ä¸ª statement cycle çæ¡ä¾</li>
</ul>



<p>ð å¿æ建议ï¼</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p>æå®å½“延è¿è¿ç°”ï¼å«ææå¡çæ¶é´ç¨é±ã</p>
</blockquote>



<h2 class="wp-block-heading"><strong>ãç¨å¡é®é¢ï¼å¾å¤äººä¼å¿½ç¥ï¼ã</strong></h2>



<ul class="wp-block-list">
<li><strong>Checking Bonus = å©æ¯/å¥å±æ¶å ¥</strong></li>



<li>Citi ä¼å¨æ¬¡å¹´ç» ;<strong>1099-INT</strong></li>



<li>éè¦æ¥ç¨</li>
</ul>



<p>ð å¦æä½ å¨é«ç¨çå·ï¼$300 å®é å°æå¯è½æ¯ $220–$240 å·¦å³ã</p>



<hr class="wp-block-separator has-alpha-channel-opacity"/>



<h2 class="wp-block-heading"><strong>ãå°é±å¤§ç©å¼æ»ç»ï¼å¼ä¸å¼å¾ä¸ï¼ã</strong></h2>



<p><strong>æ¨èç¨åº¦ï¼★★★★☆</strong></p>



<h3 class="wp-block-heading">éåï¼</h3>



<ul class="wp-block-list">
<li>æç¨³å® ACH å·¥èµ/补贴</li>



<li>è¿æ没å¼è¿ Citi Checking</li>



<li>æ³è¦<strong>ä½é£é©ãä½ç²¾åææ¬</strong>çé¶è¡å¥å±</li>
</ul>



<h3 class="wp-block-heading">ä¸éåï¼</h3>



<ul class="wp-block-list">
<li>æ³ç¨ P2P éª DD ç</li>



<li>èµéæµå¨æ§å¾ç´§</li>



<li>对å¼æ·/éªè¯/è¡¥ææç¹å«ç¦ç人</li>
</ul>