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Citadel Credit Union

Personal

Personal Banking

Bank

Borrow

Save

Home Loans

Wealth & Retire

Payments
Business

Business Banking

Business Checking

Business Savings

Business Tools

Industry Solutions

Business Team

Medical Banking

Routing # 231380104

Bank
- Bank
  Checking Built For You
  
  Love earning cash back? Don’t want requirements or fees? Either way, we’ve got you covered!
  
  Compare Accounts
Save
- Savings Accounts
  Earn 5.05% APY* on a 14 Month Certificate
  
  Or get 5.00% APY^* on a 12 Month Certificate. ^*Additional terms apply.
  
  Learn More
Borrow
- Borrow
  Earn a $150 Cash Bonus With Our Cash Rewards Mastercard^®
  
  Spend $1,000 in the first 90 days^*of opening and get $150 on us. ^*Additional terms apply.
  
  Learn More
Wealth & Retire
- Wealth & Retire
  Build a Custom Strategy for All of Life's Phases
  
  Our CFS^* Financial Advisors can help you understand and implement the right strategies to support your financial plan. ^*Investments offered through CFS, L.P.
  
  Get Started
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
- 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
  Real-Time Account Alerts
  
  Manage your loan and stay current on statements, payments, and more with personalized alerts and reminders.
  
  Enroll Now

Business Checking
- Business Checking
  - Elite Business Checking
  - Essential Business Checking
  Meet Elite
  
  With more transactions per month, our Elite Business Checking account can help your business evolve.
  
  Open Now
Business Savings
- Business Savings
  Earn 5.05% APY* on a 14 Month Business Certificate
  
  Or get 5.00% APY^* on a 12 Month Business Certificate. ^*Additional terms apply.
  
  Open Now
Business Loans
- Business 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 Tools
- Business Tools
  - Cash Management Solutions
  - Online & Mobile Banking Tools
  Streamline Operations
  
  Find tools to automate Payroll & HR, Merchant Services by Clover, and Remote Deposit Capture.
  
  VIEW ALL
Industry Solutions
- Industry Solutions
  - Who We Serve
  - Healthcare Banking
  Businesses Like Yours
  
  Our team has extensive experience supporting a wide variety of businesses and industries, including healthcare.
  
  LEARN MORE
Business Banking Team
- Business Team
  Articles & Tips
  
  Get inspired with helpful articles and free resources for business leaders.
  
  READ MORE

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How does contactless cards compare to mobile wallets, like Apple Pay or Android Pay?

How does contactless cards compare to mobile wallets, like Apple Pay or Android Pay?

Frequently Asked Question

Contactless cards use Radio Frequency (RF) technology and Near-Field-Communication (NFC) technology. Digital wallets, such as Apple Pay and Android Pay, require NFC-enabled mobile phones with smart chips that allow phones to securely store the payment and account information, and to use the information as a contactless “virtual payment card.

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