Checking & Debit Cards

For a limited time, get a $250 bonus* with any of Citadel’s checking accounts! In addition, you will continuously earn generous debit rewards on purchases that can be redeemed for cash, merchandise, and more! Plus, enjoy convenient Online and Mobile Banking tools, including mobile deposit and Bill Pay.

Compare Citadel’s checking account features to choose the one that will best support your financial goals.

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  • FREE Checking
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    At a Glance:

    A free and easy way to manage your money with no minimum balance and no monthly fee! Earn bonus rewards for everyday checking and debit card purchases.

    Features:

    No Minimum Balance; Rewards Points; Courtesy Pay

    Open An Account
  • Star Checking Account
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    At a Glance:

    Enjoy the checking account that rewards you, earns returns, and has no monthly fee if you maintain a low minimum balance.

    Features:

    Low Minimum Balance; Competitive Rate; Rewards Points

    Open an Account
  • Premiere Checking
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    At a Glance:

    Citadel’s Premiere Checking account rewards you, earns a high yield, and has no monthly fee when you maintain a minimum balance.

    Features:

    Low Fees; Rewards Points; High APY

    Open An Account

Get your $250 Bonus Today!

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*Checking Account Disclosures

View *Checking Account Disclosures

*This limited-time offer may be withdrawn at any time. All standard account requirements apply. $50 minimum deposit to open an account. The offer may not be combined with any other offer. Bonus rewards points available to new checking customers only; One offer per household, per lifetime. Customer must not have closed a Citadel checking account within the last 12 months. To receive bonus rewards points, customer must contact Citadel by calling (877) 780-1615 or visit a branch after making a minimum of three (3) signature-based transactions using their Citadel debit card within 30 days after account opening. Bonus reward points will be awarded within 60 days after Citadel confirms the requirements have been met. Bonus points must be requested within 6 months of meeting the promotion requirements. There is a 5-year expiration on unredeemed points. Earn one (1) point for every $3 of signature-based transactions with your Citadel Debit MasterCard®. Reward points cash redemption value accurate as of and subject to change. Redemption values differ depending on the redemption category. For more information, visit CitadelBanking.com. A $5.00 monthly inactivity fee will apply if there is no activity on any Citadel account for one year—this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account. In addition, a $5 overdraft transfer fee will apply to Free Checking accounts. Offer expires 2/28/2018. For MasterCard program benefits, you must purchase the new item entirely with your Citadel debit card and/or accumulated points from your Citadel debit card for yourself or to give as a gift. For Extended Warranty coverage, the item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months or less. For Price Protection coverage, you must see either a printed advertisement or non-auction Internet advertisement for the same product (advertisement must verify same manufacturer and model number) for a lower price within sixty (60) days from the date of purchase as indicated on your receipt. Please refer to your MasterCard Debit Card Guide to Benefits for full program disclosures. Federally insured by NCUA.