Consistently Great Rates, Low Fees

Effective August 7th, Citadel’s fees will be updated on certain account types. Click below to learn more.

Great Rates, Low Fees

Select a product to view Rates & Fees:

General Fees

View General Fees
Citadel Bill Payer Fees: 
  • $15 next day check payment

Foreign Check Deposit Fees:

  • $25 fee for Canadian check deposits
  • $35 fee for EU check deposits
  • Fee for all other foreign check deposits of $10 + (Federal Reserve charge to Citadel)
  • $15.00 returned item fee for Canadian checks
  • $40.00 returned item fee for all other types of foreign checks

Wire Transfer Fees:

  • $10 incoming domestic wire transfers
  • $15 outgoing domestic wire transfers < $2,500
  • $30 outgoing domestic wire transfers > $2,500
  • $40 incoming foreign wire transfers
  • $50 outgoing foreign wire transfers

ACH Debit Fees:

  • $33 Non-sufficient funds fee on ACH debits/Uncollected funds fee on ACH debits
  • $33 Courtesy Pay overdraft protection fee
  • $0 recurring ACH transfer

Miscellaneous Fees:

  • $2.95 for one-time consumer loan payment by ACH transfer or debit card
  • $5.95 for one-time real estate loan payment by ACH transfer or debit card
  • Late loan payment fee of 2-5% of loan payment amount
  • Vehicle Lien Recording Fee – $90.00
  • $10 copy of deposited item fee
  • $10 one-time fee for failure to notify Citadel of change of address
  • $5 fee for more than one withdrawal check per day
  • FREE Notary service (Contact Us for availability)
  • $20 returned check fee
  • $50 hourly fee for account reconciliation or research
  • $25 loan reapplication fee (within 90 days)
  • $25 quick bag fee (one-time fee)
  • $50 IRS levy fee
  • Writs of execution fee (varies based on attorney fees; $500 minimum)
  • $50 auto title change fee
  • $125.00 lease purchase
  • $50 escheat fee
  • Non-member coin machine usage fee of 5% of total coin amount
  • $5 VISA gift card fee
  • $10.00 lien release letter
  • $30.00 lien renewal fee (if applicable)
  • $50.00 loan signing by mail(consumer loans, if applicable)