Important Disclosures & Information
1 $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expires September 14, 2025 and may be modified or withdrawn at any time.
2 Ultimate Growth Checking: Annual Percentage Yield (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.
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 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.
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.
4 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.
All standard account requirements apply. Information accurate as of August 20, 2025, and subject to change
without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.
