COVID-19 Relief and Stimulus Information for Members

COVID-19 Stimulus Check Updates

Coronavirus Response and Relief Supplemental Appropriations Act of 2021

2021 Economic Impact Payments

According to the IRS, Americans will start to receive new coronavirus stimulus checks as soon as Saturday, March 13, 2021. Many will receive this as a direct deposit into their account, and some may already see the deposit in their account, including our valued members. 

As the US Treasury begins issuing stimulus checks, it will likely be in waves. Citadel will not know when individual members will receive their payment. If you do not see your direct deposit yet, please visit the IRS website to find out when you will receive your stimulus payment.

Who is eligible?

According to the IRS, individual tax filers with adjusted gross income up to $75,000 and up to $150,000 for married couples filing joint returns will receive the full $1,400 (individual) or $2,800 (couples filing jointly) payment.

More specific information regarding taxpayer eligibility is provided here by the IRS. All information is based on your most recently filed tax return.

How will I get my payment?

For this round of stimulus checks, you can use the same IRS Get My Payment Portal to determine the status of your check. The site lets users check when and how to expect the stimulus funds. In addition, if you don’t have direct deposit, you can provide your account information online.

You can also set up Online and Mobile Banking alerts through Citadel to be automatically notified when you receive your payment.

Getting Your Check in Your Citadel Account

If you are expecting your check to directly deposit into your Citadel account, simply log into Online Banking or the Mobile App.

Don’t have an Online Banking account?

If you’re receiving a direct deposit, we recommend signing up for both the Pending ACH and Direct Deposit Received Account Alerts in Online Banking. Learn more about these alerts.

You can also call us to determine if your check was deposited (800) 666-0191.

Receiving a Paper Check?

You can simply sign the back of your check, and deposit a few ways:

Key Provisions for Retirement Accounts

IRA Contribution Due Date

Through the American Rescue Plan Act, the deadline for making 2020 IRA Contributions is April 15, 2021.

Please refer to the IRS Tax Time Guide for information about 2020 IRA contributions and tax returns.

If you need specific information regarding your IRA with Citadel, please call us (800) 666-0191.

Learn more about what Citadel is doing in response to COVID-19.

Learn More

Hear From Our Members

Find an ATM or Branch Near You

Want to check the status of your stimulus payment?

Visit the IRS Portal

CARES Act Consumer Benefits Frequently Asked Questions

How do I set up Direct Deposit Account Alerts in Online and Mobile Banking?

To enroll in Account Alerts and receive notifications of your Direct Deposit activity, simply log in to Online and Mobile Banking and select 'Account Alerts' from the Accounts menu. If you are new to Account Alerts, you will need to accept the terms and conditions and follow the screens to create your default alert settings. Once this this is complete, follow the steps below.

Select the 'Add New Alerts' button and choose the alert you would like to set up. For monitoring Direct Deposit activity, we recommend the following Alerts:

  • Direct Deposit Received Alert - Receive an alert whenever a Direct Deposit is made to your account.
  • Pending ACH Transaction Alert - Be notified whenever a new ACH Transaction (Automatic Withdrawal or Direct Deposit) is placed on your account as pending.

Once you've selected your alert, confirm the default alert delivery settings and select continue. That's it! You will then be taken back to the Account Alerts main page where you can view all the alerts you have set up for your account.

What account information should I use to set up Direct Deposit for an employer or IRS?

It's pretty simple to set up direct deposit. Be sure to talk to your employer about a direct deposit form or see if you can update it online. You will need to supply your account information for direct deposit. For the IRS, please be sure to give your account information to your tax accountant or the IRS when filing.

This is what you'll need:

  • Our bank routing number – 231380104
  • Your account number – You can find this on the bottom of your checks directly to the right of the bank routing number, you can also find this in Online and Mobile Banking by following these quick steps:
    1. Once you’ve logged in, click into the account for which you would like to review the electronic funds transfer (EFT) account number.
    2. Once you are in the account history view, select the ‘Details’ tab, next to ‘Transactions’.
    3. On this tab you will see, ‘ACH (EFT) Account Number’.


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