About This Offer

With a new or existing Citi Self Invest account, you can receive up to a $1,000 bonus by depositing funds!

To qualify, deposit at least $10,000 in New-to-Citi funds into a new or existing Citi Self Invest account. The bonus amount depends on the final amount deposited:

  • Deposit between $10,000 and $49,999: receive a $100 bonus
  • Deposit between $50,000 and $199,999: receive a $200 bonus
  • Deposit between $200,000 and $499,999: receive a $500 bonus
  • Deposit $500,000 or more: receive a $1,000 bonus

There are two additional requirements:

  • The funds must enter the account during the Account Funding Period specified by Citi and must remain in the account until the corresponding Maintain Funds deadline. The exact dates depend on when you first deposit New-to-Citi funds, so after enrolling in the promotion, refer to the timeline in your own offer terms.
  • During account opening, choose to receive statements electronically (paperless statement / eDelivery), and keep that setting at least through the end of the Account Funding Period.

Note that the funds must be New-to-Citi funds, meaning the ultimate source must be new funds from outside Citi. Simply moving money already held at Citi from one Citi account to another will not automatically make it New-to-Citi funds. Both cash and securities can be transferred into the account through eligible transfer methods according to the offer terms.

Fees

This Self Invest account has no monthly fee and no management fee. Online ETF and equity trades have no fees. For other fees, see the official fee schedule below:

About Investment Accounts

Many investment and brokerage accounts now offer generous opening bonuses. You can choose a few good ones to open. Opening this type of account generally does not affect your credit score, so you can feel comfortable opening several.

Stock Basics

Below are introductions and sign-up bonuses for several commonly used U.S. stock brokerages.

Review Sign-up bonus Quick take
Moomoo (Futu) $200 stock card + $1,000 NVDA + 8.1% APY Feature-rich, with a good Chinese-language experience. Market data, Level 2, options, and cash management are all practical, making it suitable for everyone from beginners to active traders.
TradeUp (Tiger Brokers) 50 NVDA shares + chance to win 5 shares + 4% for three months Good for active trading. Trading fees and margin are relatively competitive for U.S. tax residents, and it supports Web Trading, Level 2, and Chinese-language customer service.
Webull 12 fractional shares + 1 month of Premium membership Strong market-monitoring and active-trading features, with relatively complete charts, technical indicators, options, and pre-market/after-hours trading. Best for users who trade frequently.
BBAE Up to $650 bonus Relatively convenient account opening for Chinese users, and you can apply without an SSN/ITIN. Chinese-language support is good, but there is currently a Platform Fee, so it is not ideal for small-balance high-frequency trading.
Robinhood Chance to get 1 stock Simple interface and easy to use, suitable for beginners buying U.S. stocks for the first time. Gold users also get a high yield on idle cash and a lower Margin Rate.
Interactive Brokers Up to $1,000 Highly professional, with support for global markets and multiple currencies. Margin costs are competitive, and it also supports account opening for Chinese residents, making it suitable for advanced and global investors.
TradeStation $250 Geared more toward professional and active trading, with strong advanced charting, strategy backtesting, and automated trading features. Ordinary long-term investors may not need it.
Schwab Up to $1,000 Good for long-term investing and larger asset balances, and convenient for buying ETFs and CDs. Checking and worldwide ATMs are also strengths, but the default interest rate on idle cash is relatively low.
Fidelity brokerage account Sign-up link A long-established full-service brokerage, suitable for long-term investing, ETFs, and retirement accounts. Cash management is also solid, making it a good primary brokerage for the long run.
BIT (formerly Matrixport) Deposit and trade to get $210 Suitable for Chinese users and digital-asset users. You can use funds such as USDT/USDC to allocate to U.S. stocks. It is not a traditional U.S. brokerage, so fees and the asset custody structure need to be reviewed separately.
SoFi Invest Open an account to get $75 Simple to use and supports Stock Bits, making it suitable for small-balance and long-term investing. Professional market data and trading tools are limited, so it is not suitable for frequent trading.
M1 Finance Invest Deposit money to get $10 Focuses on Pies and automated investing. It is suitable for long-term recurring investments after setting your stock and ETF allocations, but not for users whose main focus is active trading.

If you do not have an SSN/ITIN but still want to trade U.S. stocks, you can consider the brokerages/platforms below. They can be registered entirely with Chinese documents, using either an ID card or passport. None participate in China's CRS.

  • BBAE: Chinese-user-friendly; you can open an account without an SSN/ITIN.
  • BIT (formerly Matrixport): You can open an account with an ID card, and approval can take just a few hours.
  • Bitget platform: Identity verification can be completed with an ID card or Chinese passport.

If you are in mainland China and want to invest in U.S. stocks, see this summary:

Application Link