Earn Interest and Get Rewards

Citadel’s Premiere Checking is completely free, rewards you, and earns interest.

Premiere Checking

Citadel’s Premiere Checking account offers rewards on debit purchases, earns returns, and has completely free overdraft transfers.

To open an account online, all you need is 5-10 minutes. Before you begin, gather your information. You will need this information for both primary and joint applicants:

  • Social Security Number
  • Government-issued ID
  • Date of Birth
  • Email Address
  • Home Address
  • Phone Number

Low Fees

There’s no monthly fee on this account when you maintain an average balance of $5,000 (or combined household balance of $25,000*).


Rewards Points

Debit card purchases can earn you rewards like cash back, merchandise, and more.


High APY

The account earns 0.10% APY on balances of $5,000 to $24,999.99 and 0.15% APY on balances of $25,000 or more.


Additional Features

  • Free Overdraft Protection – If your account has insufficient funds to cover a check or transaction, available funds can be automatically transferred from your Citadel savings or loan account.
  • Citadel Debit Mastercard® – Use it at ATMs and wherever Mastercard is accepted.
  • ATM Access – Enjoy no fees or surcharges at branches and with 38 Citadel-branded ATMs in select retail locations. In addition, enjoy access to surcharge-free networks across the country. Find a branch or ATM.
  • Online & Mobile Banking with Mobile Deposit – Manage your accounts, set alerts, transfer money, pay bills and more.
  • eStatements – Save money by choosing secure electronic delivery. View statements any time, from any device.
  • Direct Deposit – Get your funds quickly with automatic deposit into your account.

  • Looking for more features in a Checking Account? Give us your feedback.
Best For...
Earning returns on high account balances
Fee free overdraft protection
Enjoying ATM access with no fee or surcharges
Convenient on-the-go banking with mobile deposit


Earn points everyday purchases and payments when you use your Citadel Debit Mastercard®

Learn More



Each ATM withdrawal at non-Citadel ATMs


Each balance inquiry at non-Citadel ATMs


Monthly service fee, if balance requirement is not met; waived for 60 days following account opening*


Paper account statement fee (excludes ages under 21 and age 70 years of age and older)


Monthly inactivity fee***


Each overdraft transfer from your savings or loan account**


Courtesy Pay overdraft protection fee**


  • Citadel is committed to helping you protect your hard-earned money.

  • All Citadel deposits are federally insured up to $250,000 per member by the National Credit Union Administration, an agency of the U.S. government.

  • Communicate with us securely through our Online Banking secure messaging system.

  • Your Citadel Debit Mastercard carries EMV chip technology for greater protection against unauthorized use.

  • Automated fraud alerts can notify you about possible fraudulent activity on your account.


Find an ATM or Branch Near You

*Premiere Checking Account Disclosures

View *Premiere Checking Account Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is $5,000. Fees may reduce earnings.

Balance Requirements:

After 60 days, monthly service fee is waived if one of the following criteria is met:

  • Maintain an average daily balance of $5,000.00 in your Premiere Checking account or
  • Maintain $25,000 in total combined household deposit, investment, and loan balances


**Important Information about Overdrafts and Overdraft Fees:

An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the potential embarrassment and extra expenses caused by a bounced check or insufficient funds. These include:

  • Transferring funds from a Citadel Savings and/or Money Market Account
  • Advancing funds from a Citadel Personal Line of Credit
  • Courtesy Pay

As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. To learn more, please ask a Citadel Representative. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.


This notice refers to our Courtesy Pay program:

Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:

  • Checks
  • ACH withdrawals
  • Bill Payer payments
  • Recurring debit card transactions (e.g., monthly payments debited from your account)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid.


If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, the supermarket, Home Depot®), you must opt in and give us your permission. You can opt in by:

  • Completing the Opt-In Form and clicking "submit".
  • Visiting any Citadel Branch Office
  • Calling Citadel toll free at (800)-666-0191

You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.


When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for overdrafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800)-666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.


Monthly Inactivity:

  • 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. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account in which case a $5 inactivity fee will be applied to each checking, savings, and money market account, if the combined balance of all deposit accounts is less than $500.


Federally Insured by NCUA.