Ultimate Growth Checking

How to Get Your $400 Bonus:

1. Earn $200 when you set up direct deposit(s) totaling $2,000 or more to your new checking account in the first 90 days¹
2. Earn an additional $200 when you maintain a balance of $5,000 or more¹

Open your free checking account online here to get growing.

Important Disclosures & Information

APY=Annual Percentage Yield.

¹ Ultimate Growth Checking: APY is variable and can change without notice. APY is determined by Tier. Tier 1 – No Dividends paid; Tier 2 Minimum 3-Month Average Daily Balance of $5,000 to earn 0.05% APY; Tier 3 Minimum 3-Month Average Daily Balance of $10,000 to earn 0.10% APY; Tier 4 Minimum 3-Month Average Daily Balance of $20,000 to earn 0.15% APY; Tier 5 Minimum 3-Month Average Daily Balance of $40,000 to earn 0.20% APY. No maintenance or monthly service fees apply. Other fees may apply including an inactivity fee, ATM fee, overdraft fee and other account related fees. Fees that can be waived or refunded are listed in each Tier. For full list of fees visit Citadel Banking.com/Fees.

² The Reward Tier can be adjusted monthly and is determined by the combined three-month average daily balance of all Ultimate Growth Checking accounts on the same unique account number. At the beginning of each month, we will add the average daily balance of the previous three months and divide that figure by three. For new accounts with no existing Ultimate Growth Checking account, the reward tier from account opening to the end of the first calendar month is Tier 1; the reward tier for the second month is determined by the average daily balance for the first month; the reward tier for the third month is determined by adding the average daily balance for the first month and the second month and dividing by two. See the Membership Agreement and Disclosures for details on the compounding and crediting of interest.

³ $400 New Account Cash Bonus (Ultimate Growth Checking Account): Open a new checking account and earn up to $400 in cash bonuses. Earn a $200 cash bonus deposit for qualifying direct deposit(s) totaling $2,000 or more posting to the new checking account within 90 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network.

After meeting the direct deposit requirement, earn an additional $200 cash bonus by maintaining a daily balance of $5,000 or more in your new checking account during days 61 – 90 after account opening.

Promotional code must be applied at the time of account opening to receive the incentive offer(s). Once you meet the offer requirements, and your checking account has been open for 90 days, your bonus(es) will be paid within 10 business days. Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at the time of incentive processing. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes.

New account cash bonus offer is available to qualified new checking customers only. Customer must not have closed a Citadel checking account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per member. Offer not available for business accounts. New account cash bonus offer expires August 31, 2025 and may be modified or withdrawn at any time.

⁴ High Yield Savings: Minimum balance to earn APY is $5,000. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements. Fees may reduce earnings. HYS rates are variable and may change after account opening. Three (3) free withdrawals or transfers per calendar quarter, $25 for each additional withdrawal or transfer during the same quarter.

⁵ Cash Rewards Mastercard: Cash Back Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn cash back rewards.

⁶ ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.

⁷ Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Courtesy Pay is offered on accounts with a primary member aged 18 and older after it has been opened 90 days and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Courtesy Pay is not provided on ATM withdrawals. If we do not pay an overdraft, your transaction will be declined and not paid. If you want to use Courtesy Pay to pay overdrafts for one-time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in using Online and Mobile Banking by selecting ‘More’ under ‘Menu', then ‘Overdraft Protection’ and ‘Courtesy Pay’; visiting any Citadel Branch; calling Citadel toll free at 800-666-0191. A Courtesy Pay Fee of $33 will be charged to your account, when we agree to pay an item that overdraws your checking account. We will limit the number of combined NSF and Courtesy Pay Fees charged on any one calendar day to 3. Once you have overdrawn your account you will need to bring the account to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have had a negative balance for more than 60 days. In the case of represented transactions, we may charge a Courtesy Pay fee if the transaction is paid but may not charge an NSF fee if the transaction is returned unpaid. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule. All standard account requirements apply. Information accurate as of , and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.

⁸ Early Direct Deposit is a service included with your Citadel account in which Citadel makes your eligible direct deposits available up to two business days before the scheduled deposit date. Eligible direct deposits include transactions such as payroll, pension benefits, government benefits, or similar types of deposits received through the Automated Clearing House (ACH) network. The Early Direct Deposit service is dependent on when Citadel receives information about your deposit from the payer. Early availability is not guaranteed and may vary from deposit to deposit.

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