The Checking Account that Maximizes Your Cash Back
Cashback Rewards Checking
Our Cashback Rewards Checking Account gives you 1% cash back on all qualifying debit and credit card purchases so you can maximize your earnings. Earn up to $240* your first year with a match from Citadel.
See How We Compare†:
With this Checking Account, you’ll enjoy:
1% on Purchases
Get 1% cash back on up to $1,000 in qualifying debit or credit card purchases a month.
We’ll Match Your Earnings
Citadel matches 100% of your Cashback Rewards at the end of your first year.
Instant Cash Deposit
There is no waiting. When you redeem your earned cash, it’s instantly deposited into your account.
Maximize Your Cashback Rewards
Earn your way. Get 1% cash back on all qualifying debit card purchases. In addition, get 1% back on any qualifying Citadel credit card purchase—plus the rewards you already earn on your credit card.
To maximize your earning potential, link your Citadel credit card to your Cashback Rewards Checking Account by contacting us. Once your card is linked, purchases from both your debit and credit card will earn Cashback Rewards.
How to Redeem
You can redeem Cashback Rewards as soon as they’re available, and the cash back is instantly deposited into your Cashback Rewards Checking Account. Redeem your Cashback Rewards through Online and Mobile Banking or by contacting Citadel. You’ll love how quickly it adds up! Learn how to redeem.
Each year on your account opening anniversary, we’ll automatically deposit any Cashback Rewards that haven’t been redeemed.
At the end of the first year you have the account, Citadel will match 100% of your Cashback Rewards earnings—dollar for dollar. Don’t worry if you’ve already redeemed some of the cash back, it will still be matched.
Switching is Easy
If you already have a Citadel Checking Account, switching to a Cashback Rewards Account is simple. Your account number and debit card will stay the same, so you don’t have to worry about updating anything. Simply switch through Online or Mobile Banking or by visiting one of our locations.
Ready to switch? Here's how.
Open a Citadel Cashback Rewards Checking account today!Get Started
- Redeem available Cashback Rewards at any time or automatically on your account opening anniversary
- Earn up to $240 Cashback Rewards the first year with our cash back match, and up to $120 every year thereafter
- No monthly fees when you meet one of the account requirements*
- Account Alerts for fraud, spending limits, and more
- No fees or surcharges at Citadel branch locations and ATMs
- Access to surcharge-free networks across the country
- Online checking account management with free budgeting tools
- Citadel Mobile App with Mobile Deposit
- No Citadel ATM Withdrawal or Balance Inquiry Fees at any ATM
- Free overdraft transfer from your savings or loan account
What You’ll Need
You’ll only need to meet one of the following requirements to earn cash back:
- $1,000 or more in qualifying direct deposit per month
- $5,000 average daily balance
Cashback Rewards Checking Rate
Monthly service fee, if account requirements are not met; waived for 60 days following account opening (excludes ages under 21)
Paper account statement fee (excludes ages under 21 and 70+)
Monthly Inactivity Fee
Courtesy Pay overdraft protection fee
Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.
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Frequently Asked Questions
In order to earn Cashback Rewards, the Cashback Rewards Checking Account must maintain an average daily balance of $5,000 or receive qualifying direct deposits that total $1,000 or more each month. Cashback Rewards are earned on net purchases on a monthly basis, with a maximum of $10 in Cashback Rewards per month.
When you choose to redeem, the full balance of available cash back must be redeemed and will be instantly deposited into the Cashback Rewards Checking Account. Any Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement period.
To redeem online, follow these two easy steps:
- Select ‘Checking Rewards’ under ‘Rewards’ in the main menu OR select 'Available Rewards' from the Account Details screen.
- Choose ‘Redeem Rewards’ and the funds are instantly deposited into your Checking Account!
Cashback Rewards will be calculated at month end on net debit and credit card purchases (purchases minus any credits or returns) that post to your account each statement cycle. ATM withdrawals, credit card cash advances, and credit card balance transfers are not considered purchases and will not earn Cashback Rewards. A Citadel debit or credit card must be linked to your Cashback Rewards Checking Account to earn Cashback Rewards on purchases.
After the first 12 months that your Cashback Rewards Checking Account is open, Citadel will match the Cashback Rewards you have earned since opening the account, including Cashback Rewards already redeemed and deposited. Your match will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement.
You can convert your current Checking Account to a Cashback Rewards Checking Account through Online and Mobile Banking, by calling Citadel, or visiting us in a branch. Converting your account is easy in Online and Mobile Banking:
- From your account details and history, select ‘Convert Account’.
- Confirm your account details, and you’re done!
Your account number and card number will stay the same.
Still have questions? View a complete list of FAQs.
*Cashback Rewards Checking Account Disclosures
Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum daily balance to earn APY is $5,000. Fees may reduce earnings.
To earn Cashback Rewards and avoid a $10 monthly service fee, one of the following criteria must be met:
- Maintain an average daily balance of $5,000.00 in your Cashback Rewards Checking Account
- Receive monthly qualifying direct deposit(s) into your Cashback Rewards Checking totaling $1,000 or more
A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other eligible regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, internet payment provider transactions, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.
Earn Up to $120 in Cashback Rewards Annually:
When Cashback Rewards transaction requirements are met, earn 1% cash back on Citadel debit and/or credit card purchases that post to your account each statement cycle. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). ATM withdrawals, credit card cash advances, and credit card balance transfers are not considered purchases and will not earn Cashback Rewards. A Citadel debit or credit card must be linked to your Cashback Rewards Checking account to earn Cashback Rewards on purchases. Each Citadel debit or credit card may only be linked to one Cashback Rewards Checking account. When Cashback Rewards Checking balance requirements are not met, Cashback Rewards will not be earned.
Full balance of available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking, Citadel’s Mobile App, or by contacting Citadel. Partial redemptions are not allowed. Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your checking account during the following statement period. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking account. Account must be active and in good standing at time of cash back redemption.
Up to $120 Cashback Rewards Match:
After the first 12 months that your Cashback Rewards Checking account is open, we will match the Cashback Rewards you have earned. Your Cashback Rewards match will automatically be deposited into your Citadel Cashback Rewards Checking account during the following statement period. If your account is closed or you switch to another Citadel checking product prior to the end of the 12th consecutive statement period, your Cashback Rewards will not be matched. The account must be active and in good standing at the time of Cashback Rewards match processing.
Additional Account Information:
The Cashback Rewards Checking Account is not available for business accounts or public funds. Limit 5 Cashback Rewards Checking accounts per member. Cashback Rewards Program may be modified or withdrawn at any time.
A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if the 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.
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:
- 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®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by:
- Completing the opt-in form in Online and Mobile Banking by selecting 'Courtesy Pay' under 'Services' in the main menu.
- Visiting any Citadel Branch
- 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.
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