Find the Account That's Built for You

Join over 260,000 local members that use Citadel for everyday banking and financial wellness.

We've got two different checking accounts, so you can choose the one that's right for you. Both are simple, secure, and easy to open online. Right now, you'll also get a $350 cash bonus¹ with your new account when you use promo code CHKDMM35024.

Here's how to get your $350 bonus:

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 Offers may be modified or withdrawn at any time.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. All rates expressed as Annual Percentage Yield (APY).

¹ $350 New Account Cash Bonus (Cashback Rewards and Free Checking Account): Open a new checking account and earn a $350 cash bonus deposit for qualifying direct deposit(s) totaling $2000 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.

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 90 days before checking bonus(es) 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. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

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. Offer not available for business accounts. New account cash bonus offer expires November 12, 2024, and may be modified or withdrawn at any time.

² 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.

³ No maintenance or monthly fees apply to Citadel’s Free Checking account, but other fees may apply including inactivity fee, ATM fee, overdraft fee, and other account-related fees. For a full list of fees, visit CitadelBanking.com/Fees.

⁴ 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.

Cashback Rewards Checking Account may earn as high as 0.05% Annual Percentage Yield (APY). APY is variable and may change after account opening. Minimum daily balance to earn APY is $5,000.

⁵ ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.

⁶Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Courtesy Pay can be used at our discretion to cover checks, ACH withdrawals, Bill Payer payments, and one time debit card transactions. You may also opt in to use Courtesy Pay for one-time, everyday debit card transactions. You cannot use Courtesy Pay for ATM withdrawals. When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. Citadel will close and charge off overdrawn member deposit accounts that have a negative balance for more than 60 days. Contact us to determine the best overdraft option for you.