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Checking accounts are a great way for you to access and manage your money in a fast, easy and simple way. If you want to be able to withdraw or deposit any sum of money you have as many times as you like, you should consider opening a checking account, versus a savings account which restricts the number of times you can access your money and doesn't give you a check book. Some banks even let you manage your checking accounts through your mobile, especially since these days we tend to rely on our phones for so much.

Citibank (C) has some great checking account offers for US residents who hold a stable average balance and want to earn a signing cash reward when opening a new account. These accounts have no annual or monthly fees as long as you have a specific amount of direct deposits or balance in your account each month.

Another feature these checking accounts offer is that there are no additional fees when you pay your bills online through CitiMobile and Citibank Online, which enables you to monitor your accounts and manage your bills with your phone no matter where you are, without having to pay any fee. This way, you can access your money whenever you want free of charge.

Below is a brief overview of the Citibank Account and the Citigold Account, both of which offer a special sign-up bonus to people who open a new account. This offer is only available if you sign up online.

Citibank Account. Receive $50 cash reward when you open your account and make $1,000 in deposits during the first 45 days, as well as another direct deposit and two bill payments (using Citibank Online, Citi Mobile or CitiPhone Banking) for two straight months. If you have a combined monthly balance of $15,000 in eligible products such as mortgages, linked deposits, loans and investment accounts, the $20 monthly fee will be waived. Keep in mind that to open this account, you must deposit a minimum of $100 to the account.

Citigold Account. Receive $100 cash reward when you open your account and make a $1,000 deposit within the first 45 days, as well as a direct deposit and two bill payments (using Citibank Online, Citi Mobile or CitiPhone Banking) for two straight months. $30 monthly fee is waived if you have over $100,000 in combined balances (linked deposits, loans and investment accounts, but excluding first mortgage) or if your deposits (including retirement accounts) amount to $50,000. This premier account gives you a better service with personalized advice and guidance, as well as better pricing, rates and round-the-clock customer service. Keep in mind that you must make a deposit of at least $500 when you open your account.

These offers are no longer available through GET.com!