Due to industry-wide card production delays, there are longer than normal wait times for mailed debit/credit cards. New debit cards can be instantly issued in our branches. We apologize for any inconvenience as we work to ensure the issue is permanently resolved.

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How do I set up Microsoft Pay?

Frequently Asked Question

To set up Microsoft Pay, follow the below steps:


  1. If you don’t already have the Microsoft Pay app on your Windows 10 device, download the app from the Microsoft Store and activate it.
  2. Select “Add a Payment Card” or the “+” symbol.
  3. Add your Citadel credit card or debit card by either entering in your information manually or select "Scan Your Card."
  4. If prompted, complete the verification process by calling our Customer Service Center at 1-800-666-0191.