Never wonder if you're in the right account again

Introducing Citadel's Ultimate Growth Checking Account - a premium checking account that rewards progress and never includes a monthly fee.

Ultimate Growth Checking Account

It’s a checking account boosted to the next level.

Want to make the most of every dollar you spend, save, and earn? With five tiers that automatically grow as you go, you'll never have to worry about switching accounts again. The more you grow your balance, the more your rewards and perks get boosted. Even at Tier 1, you'll start with a strong foundation where you can stay comfortably or build from there. Our Ultimate Growth Checking Account includes a sign-on bonus up to $1,000, no monthly fees, a High Yield Savings boost, credit card reward boost, and more to level up your entire wallet.


Explore The Tiers

Business Elite Checking

Tier 1

No requirements

checkmark icon 1.50% Credit Card Reward

null icon High Yield Savings Boost

checkmark icon 1 Free Withdrawal

checkmark icon 1 Free Balance Inquiry

null icon No Checking Interest Rate

checkmark icon  No Monthly Fees

null icon Stop Payment & Overdraft Fees Apply

null icon Standard Wire Transfer Fees Apply

null icon Unlimited Incoming Wire Transfers

checkmark icon  New Member Sign-On Bonus: $100

Read Full Disclosure

Business Elite Checking

Tier 2

$5,000 three-month average checking balance​

checkmark icon 1.75% Credit Card Reward

checkmark icon +0.02% APY High Yield Savings Boost

checkmark icon 2 Free Withdrawals & Balance Inquiries

null icon Surcharge Fees Apply

checkmark icon 0.05% APY Checking Interest Rate

checkmark icon No Monthly Fees

checkmark icon Waived Stop Payment & Overdraft Fees Apply

checkmark icon 1 Free Wire Transfer Per Month

null icon Unlimited Incoming Wire Transfers

checkmark icon New Member Sign-On Bonus: $200

Read Full Disclosure

Business Elite Checking

Tier 3

$15,000 three-month average checking balance​

checkmark icon 2.25% Credit Card Reward

checkmark icon +0.05% APY High Yield Savings Boost

checkmark icon 6 Free Withdrawals & Balance Inquiries

checkmark icon 6 Surcharges Refunded

checkmark icon 0.10% APY Checking Interest Rate

checkmark icon No Monthly Fees

checkmark icon Waived Stop Payment & Overdraft Fees Apply

checkmark icon 2 Free Wire Transfer Per Month

checkmark icon Unlimited Incoming Wire Transfers

checkmark icon New Member Sign-On Bonus: $500

Read Full Disclosure

Business Elite Checking

Tier 4

$30,000 three-month average checking balance​

checkmark icon 2.50% Credit Card Reward

checkmark icon +0.10% APY High Yield Savings Boost

checkmark icon 10 Free Withdrawals & Balance Inquiries

checkmark icon 10 Surcharges Refunded

checkmark icon 0.15% APY Checking Interest Rate

checkmark icon No Monthly Fees

checkmark icon Waived Stop Payment & Overdraft Fees Apply

checkmark icon 2 Free Wire Transfer Per Month

checkmark icon Unlimited Incoming Wire Transfers

checkmark icon New Member Sign-On Bonus: $800

Read Full Disclosure

Business Elite Checking

Tier 5

$60,000 three-month average checking balance​

checkmark icon 2.65% Credit Card Reward

checkmark icon +0.15% APY High Yield Savings Boost

checkmark icon 10 Free Withdrawals & Balance Inquiries

checkmark icon 10 Surcharges Refunded

checkmark icon 0.20% APY Checking Interest Rate

checkmark icon No Monthly Fees

checkmark icon Waived Stop Payment & Overdraft Fees Apply

checkmark icon 2 Free Wire Transfer Per Month

checkmark icon Unlimited Incoming Wire Transfers

checkmark icon New Member Sign-On Bonus: $1,000

Read Full Disclosure

Become a Citadel Member, today!

Become a Citadel Member, today!

top