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Routing # 231380104

Bank
- Bank
  Ready. Set. Grow!
  
  Get the account that grows with you and earn a bonus up to $500!*
  
  Get Growing
Save
- Save
  Certificate Offer
  
  Save big during life's little moments when you choose a 24, 30, or 36 Month Certificate and earn 4.00% APY.^* ^*Additional terms apply.
  
  Learn More
Borrow
- Borrow
  Unlimited 2.5% Cash Back on All Purchases, All Season Long
  
  Make your holiday shopping a little brighter this year with unlimited 2.5% cash back on every purchase,* now through December 31, 2025!
  
  Learn More
Insure
- Insure
  Let’s Navigate Medicare Together
  
  Citadel offers a dedicated Medicare Specialist to help you better prepare and understand your Medicare options.
  
  Learn More
Financial Wellness
- Citadel Financial Wellness
  Security: Fight & Report Fraud
  
  Help us keep your accounts safe and learn what scams to be on the lookout for by visiting the security section of our website.
  
  Visit Security
Payments
- Payments
  Make a Payment. Improve Your Score.
  
  Did you know consistently making on time payments can help boost your credit score? Our Online & Mobile Banking offers free credit score monitoring so you can see your progress.
  
  Log In

Bank Accounts
- Business Bank Accounts
  Earn 4.00% APY on a 24, 30, or 36 Month Business Certificate^*
  
  Choose the term that works best for your business goals. ^*Additional terms apply.
  
  Learn More
Who We Serve
- Who We Serve
  - Small Business
  - Commercial Banking
  Meet Elite
  
  With more transactions per month, our Elite Business Checking account can help your business evolve.
  
  Open Now
Loans & Credit Cards
- Loans & Credit Cards
  Flexible Working Capital
  
  We can help manage your cash flow with flexible funding options like a Business Line of Credit.
  
  Learn More
Business Services
- Business Services
  Streamline Operations
  
  Find tools to automate Payroll & HR, Merchant Services by Clover, and Remote Deposit Capture.
  
  VIEW ALL
Business Banking Team
- Our Business Banking Team
  Articles & Tips
  
  Get inspired with helpful articles and free resources for business leaders.
  
  READ MORE

Sole Proprietorship Required Documentation

Frequently Asked Question

To open a Sole Proprietorship Account at Citadel, please have these documents available:

Required:
- Valid driver's license / government issued identification
If applicable:
- Fictitious Name Registration
- Federal tax ID number (TIN) letter

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