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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
  Embrace Your Happy Place With a HELOC
  
  Intro rate as low as 3.99% APR & a variable rate as low as 7.25% after six months.^* Additional terms apply.
  
  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

Business Checking
- Business Checking Accounts
  - 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 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
Business Loans
- Business Loans
  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
  Stream Our New Podcast
  
  Hear conversations with local business owners about their journeys, challenges, and successes.
  
  Listen Now
Business Banking Team
- Our Business Banking Team
  Articles & Tips
  
  Get inspired with helpful articles and free resources for business leaders.
  
  READ MORE

Why is my Mortgage or Home Equity payoff amount different than my principal balance?

Why is my Mortgage or Home Equity payoff amount different than my principal balance?

Frequently Asked Question

The payoff balance includes principal balance plus the following:

Interest due
Outstanding late charges/fees (if applicable)
Loan satisfaction fee
Less any the escrow balance (if applicable).

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