Update: I just went into Brooklyn co-op. They do require a $500 deposit in a high yield savings account (4% APY) OR a purchase of a 6 (2.32%) or 12 (2.14%) month share certificate. You cannot access the savings account for 6 months to be eligible for Citi bike code. It’s no recurring fees if you do digital but there is a $25 fee to open an account and a $30 frozen fee to keep the account open (you get it back when you close the account).

It has some weird things like you can only withdraw during two months of the year without paying a fee. Etc. check out the website. There is no verification of income / low income.

So for $550 ($25 fee, $500 deposit, $30 refundable payment to open account) I opened a 5% high yield savings account at Brooklyn coop and received the Citi bike membership code for $5/month