Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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What should I do when I receive a replacement card?

Frequently Asked Question

When a Citadel credit or debit card enrolled in Microsoft Pay expires or is replaced due to loss, theft, fraud or chip card upgrade, Citadel will automatically update your card information in Microsoft Pay within two (2) business days from when your replacement card is activated. To update Microsoft Pay and not wait the two (2) business days for the automatic update, manually remove the existing card and add the new card to the Microsoft Pay app.

Citadel Credit Union routing number

Routing #

231380104

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Branch Hours: Mon - Fri 9:00 a.m.-5:00 p.m.

Saturday: 9:00 a.m.-1:00 p.m. *Hours may vary by location

Please Note: New 2026 branch hours have taken effect. Visit Citadelbanking.com/Locations for details.

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(800) 666-0191

Customer Service

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