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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Can I open a new Free or Cashback Rewards Checking Account?

Frequently Asked Question

Citadel's Free Checking & Cashback Rewards Checking Accounts have been retired as of February 2025. Accountholders can keep their existing accounts or upgrade to Ultimate Growth Checking.

To make the switch, log in to Online & Mobile Banking, then:

  • Select your current checking account from the accounts list
  • Select 'More', then 'Switch Account Type'

Or, you can stop by any branch.

To open a new Ultimate Growth Checking Account, visit CitadelBanking.com/Ultimate

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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