
Above & Beyond Service
“I stopped in to replace my debit card. The Citadel associate introduced me to the new Cashback Rewards Checking Account that would save me a monthly fee and earn cash back rewards.”
Get a $300 Bonus* with a Checking Account Built for You
Our Cashback Rewards Checking Account gives you 1% cash back on all qualifying debit and credit card purchases so you can maximize your earnings. Earn up to $120** Cashback Rewards on everyday purchases every year from Citadel. Open now with promo code: JAN30012.
New to Citadel? We're glad you're here! Easily open an account online in minutes by answering a few simple questions. Open now!
Current member? It’s easy to open a checking account in Online Banking! Here's how. Not currently enrolled in Online Banking? No problem! Enroll now.
Still have questions about how you can get your $300 bonus? Fill out our form!
*Information accurate as of December 17, 2020.
You can redeem Cashback Rewards as soon as they’re available, and the cash back is instantly deposited into your Cashback Rewards Checking Account. Redeem your Cashback Rewards through Online and Mobile Banking or by contacting Citadel. You’ll love how quickly it adds up! Learn how to redeem.
Each year on your account opening anniversary, we’ll automatically deposit any Cashback Rewards that haven’t been redeemed.
If you already have a Citadel Checking Account, switching to a Cashback Rewards Account is simple. Your account number and debit card will stay the same, so you don’t have to worry about updating anything. In Online and Mobile Banking, simply select 'Open an Account' from the 'Accounts' menu. Don't forget to use promo code JAN30012 or you can switch by making an appointment at one our of branches.
Ready to switch? Here's how.
It's fast and free! Open your new Cashback Rewards Checking Account today.
Download our form and have your Direct Deposit sent to your new Citadel Cashback Rewards Checking Account.
Get 1% cash back on up to $1,000 in qualifying debit or credit card purchases a month.
Watch our helpful how-to video to learn how to use your phone to deposit checks quickly and securely to your checking, savings, or money market account from virtually anywhere.
Monthly service fee, if account requirements are not met; waived for 60 days following account opening** (excludes ages under 21)
Paper account statement fee (excludes ages under 21 and 70+)
Monthly Inactivity Fee^
Courtesy Pay overdraft protection fee†††
Non-sufficient funds (NSF) fee
Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.
Available Cashback Rewards can be redeemed through Online Banking or our Mobile App. You can also call or visit CitadelBanking.com to redeem your Cashback Rewards.
When you choose to redeem, the full balance of available cash back must be redeemed and will be instantly deposited into the Cashback Rewards Checking Account. Any Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement period.
To redeem online, follow these two easy steps:
You can convert your current Checking Account to a Cashback Rewards Checking Account through Online and Mobile Banking, by calling Citadel, or visiting us in a branch. Converting your account is easy in Online and Mobile Banking:
Your account number and card number will stay the same.
Still have questions? View a complete list of FAQs.
Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum daily balance to earn APY is $5,000. Fees may reduce earnings.
All Citadel Checking Accounts:
† ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit Citadelbanking.com/atm.
†† A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.
††† Citadel offers several overdraft protection options, including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Please contact us to discuss the best overdraft protection options for you.
An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the potential embarrassment and extra expenses caused by a bounced check or insufficient funds. These include:
As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. To learn more, please ask a Citadel Representative. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.
This notice refers to our Courtesy Pay program:
Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. 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 by:
You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.
When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for overdrafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800)-666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.
^A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account holders less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.
*$300 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts):
Open a new checking account and earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 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.
Promotional code must be applied at the time of account opening to receive the incentive offer(s), given all requirements above are met. Checking account must be open for 60 days before checking bonus will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel Checking Account if the account is in good standing at time of incentive processing. Bonuses may be reported on a 1099-INT.
New Account Cash Bonus offer 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 household per lifetime. Offer may not be combined with any other new account offer. New Account Cash Bonus offer expires March 20, 2021 and may be modified or withdrawn at any time.
**Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking:
To earn Cashback Rewards and avoid $10 monthly service fee, one of the following criteria must be met: Receive monthly qualifying direct deposit(s), as previously defined, totaling $1,000 or more OR maintain average daily balance of $5,000 in your Cashback Rewards Checking Account. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Not available for business accounts or public funds.
Earn Up to $120 in Cashback Rewards Annually:
When Cashback Rewards transaction requirements are met, earn 1% cash back on Citadel debit and/or credit card purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). Available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking or by contacting Citadel. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking Account. For full Cashback Rewards program details and disclosures, visit CitadelBanking.com/CashbackChecking
Additional Account Information:
The Cashback Rewards Checking Account is not available for business accounts or public funds. Limit 5 Cashback Rewards Checking accounts per member. Cashback Rewards Program may be modified or withdrawn at any time.
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