Get a $300 Bonus* with a Checking Account Built for You

For a limited time, get a $300 bonus when you open a new Free Checking Account! Use promo code: JAN30012.

Free Checking Account

Use promo code: JAN30012 to be eligible for your $300 bonus

Citadel offers a Free Checking Account with benefits and features that make banking easier, safer, and more rewarding. You will enjoy built-in conveniences and flexibility such as Mobile Deposit, Card Control, no minimum balances and more! Open Now.

New to Citadel? We're glad you're here! Our Free Checking Account offers a convenient and simple application process that will make your experience fast and easy. You can easily open an account online in minutes by answering a few simple questions. Open now!

Current members and don’t have a Checking Account yet?  can also open additional accounts and apply for loans through Online and Mobile Banking at any time. Simply select 'Open an Account' from the 'Accounts' menu to open. Get Started! Not currently enrolled in Online Banking? No problem! Enroll Now.

Still have questions about how you can get your $300 bonus? Fill out our form!

Please note: our current $300 checking offer is limited to new checking customers only.

Don't miss out! This offer expires on March 20, 2021.

Additional Features

  • Contactless Debit Card - simply Tap & Go™ wherever you see the contactless symbol contactless cards at checkout. Use your card everywhere Mastercard is accepted
  • Enjoy all benefits from Mastercard
  • Control your cards with Card Control
  • 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 and 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
  • Overdraft Protection – Enjoy overdraft protection from a Citadel savings or loan account††
  • To review all of the product features, check out our Product Guide

With your Free Checking Account, everyday banking is easy and convenient with our digital tools:

  • approvalAccount Alerts for fraud, spending limits, and more
  • approvalInstant control of your cards with Card Control
  • approvalOnline Bill Pay
  • approvalCitadel Mobile App with Mobile Deposit
  • approvalConvenient monthly eStatements
  • approvalFree budgeting and personal finance tools through Money Manager

Open a Free Checking Account online today!

Get Started
Best For...
Hassle free banking with minimal fees
24/7 access with Online and Mobile Banking
Enjoy on-the-go banking with mobile deposit



Each balance inquiry at non-Citadel ATMs


Each ATM withdrawal at non-Citadel ATMs


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


Each overdraft transfer from your savings or loan account


Monthly inactivity fee^


Courtesy Pay overdraft protection fee


Non-sufficient funds (NSF) fee

Take our quick checking quiz below to find out which account is right for you!

Find out which checking account is right for you!

Take the quiz


  • 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 United States 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.

open a checking account online for free with no deposit

Find an ATM or Branch Near You

Frequently Asked Questions

Does Citadel offer a Free checking account?
Yes, we offer a Free Checking account with no minimum balance requirement.

Still have questions? Visit our help center.

*Free Checking Account Disclosures

View *Free Checking Account Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).

All Citadel Checking Accounts:

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

†† Citadel offers several overdraft protection options, including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Please contact us to discuss the best overdraft protection options for you.

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®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by:

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.

^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.

All standard account requirements apply. Information accurate as of and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.

*$300 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts):

Open a new checking account and earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income.

Promotional code must be applied at the time of account opening to receive the incentive offer(s), given all requirements above are met. Checking account must be open for 60 days before checking bonus will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel Checking Account if the account is in good standing at time of incentive processing. Bonuses may be reported on a 1099-INT.

New Account Cash Bonus offer available to qualified new checking customers only. Customer must not have closed a Citadel Checking Account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer. New Account Cash Bonus offer expires March 20, 2021 and may be modified or withdrawn at any time.

**Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking:

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.

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

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