The Checking Account that Maximizes Your Cash Back

With Citadel’s Cashback Rewards Checking Account, you earn cash back on all qualifying debit and credit card purchases.

Cashback Rewards Checking

With our Cashback Rewards Checking account, you'll earn 1% cash back on all purchases up to $120 per year.1 You can manage your money 24/7 with free Online & Mobile Banking, and you'll also get free ATM transactions3 and automatic overdraft transfers.4 

New to Citadel? We're glad you're here! You can open an account online in minutes by answering a few simple questions. Get started here.

Already a member? You can open a new account in Online & Mobile Banking. Not enrolled yet? Enroll here.

cashback rewards checking

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Additional Features

  • Contactless Debit Card - simply Tap & Go™ wherever you see the contactless symbol at checkout
  • Enjoy all of the great Mastercard benefits. Use it at ATMs and everywhere Mastercard is accepted
  • Set up card controls and account alerts in Online & Mobile Banking 
  • Redeem available Cashback Rewards at any time or automatically on your account opening anniversary
  • No monthly fees when you meet one of the account requirements2
  • No fees or surcharges at Citadel branch locations and ATMs
  • Free financial wellness tools, savings goals, credit score monitoring, and budgeting in Online & Mobile Banking
  • Easy, secure mobile deposits with the Citadel Mobile App
  • No Citadel ATM Withdrawal or Balance Inquiry Fees at any ATM
  • Free overdraft transfer from your savings or loan account4
  • Same day issuing of debit and credit cards at most Citadel branch locations

Cashback Rewards Checking Rate

Cashback Rewards Checking

APY = Annual Percentage Yield. Read Full Disclosures.

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Monthly service fee, if account requirements are not met; waived for 60 days following account opening2 (excludes ages under 21)


Paper account statement fee (excludes ages under 21 and 70+)


Monthly Inactivity Fee5


Courtesy Pay overdraft protection fee4


Non-sufficient funds (NSF) fee

Frequently Asked Questions

What are the minimum requirements to earn Cashback Rewards on the Cashback Rewards Checking Account?
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. 
How do I earn cash back on the Cashback Rewards Checking Account?
When balance or direct deposit requirements are met, you will earn 1% cash back on net purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account.  Cashback Rewards have a monthly cap of $10. 
How do I redeem my Cashback Rewards?

Available Cashback Rewards can be redeemed through Online Banking or our Mobile App. You can also call or visit to redeem your Cashback Rewards.

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:

  • Navigate to your checking account and on the 'Activity' tab select 'Rewards'
  • Choose ‘Redeem Rewards’ and the funds are instantly deposited into your Checking Account!
What types of purchases qualify to earn cash back?
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. 
How do I switch my current Checking Account to a Cashback Rewards Checking Account?

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:

  1. Click into the Checking Account you want to convert.
  2. From your account details use the 3 dot ellipses menu and select 'Switch Account Type'
  3. Confirm your account details, and you’re done!

Your account number and card number will stay the same.

What is Citadel Credit Union’s ATM withdrawal limit?

Members can withdrawal funds of up to $600 per day for ATM withdrawals that includes any surcharge fees. For example, if you wish to takeout $600 and the ATM charges a $3 fee the most you withdrawal is $597.

To avoid any fees, visit any Citadel branch or use our locator tool to help you find your nearest surcharge-free ATM.

Still have questions? View a complete list of FAQs.

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.

1 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 from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). Available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking or by contacting Citadel. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking Account. For full Cashback Rewards program details and disclosures, visit

To earn Cashback Rewards and avoid $10 monthly service fee, one of the following criteria must be met: Receive monthly qualifying direct deposit(s), as previously defined, totaling $1,000 or more OR maintain average daily balance of $5,000 in your Cashback Rewards Checking Account. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Not available for business accounts or public funds. Limit to 5 Cashback Rewards Checking accounts per member. A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.

3 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit

4 Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. 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 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; and Courtesy Pay. Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account). 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. 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 & Mobile Banking by selecting 'Courtesy Pay' under 'Accounts' in the main menu; visiting any Citadel Branch; calling Citadel toll free at (800) 666-0191; or you cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.

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 over drafting 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.

5 A $5 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 holders 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.