Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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Citadel branches will be closed on Monday, January 19 for Martin Luther King, Jr. Day. Access your accounts 24/7 with Online & Mobile Banking.

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Contactless Payments FAQs

Contactless Payments FAQs

Review our frequently asked questions below to get quick answers and tips on using Citadel's Contactless Payments.

Contactless Payments Frequently Asked Questions

Can cardholders use their contactless card outside the U.S.?

Yes. You can use your contactless card wherever it is accepted by tapping simply tapping your card to pay wherever you see a Contactless Symbol at checkout. You can also always insert your swipe your card, when contactless payments are not possible.

How do I know if the merchant accepts contactless payments?

Simply look for the universal contactless symbol at checkout or ask the cashier if you can pay by tapping. If they do not yet offer contactless, this card can be used normally at any merchant that accepts Mastercard.

Can I use my contactless card even if I don’t see the Contactless Symbol at checkout?

Yes. You can still use your contactless card at an EMV payment terminal by inserting your card, or at a magnetic stripe terminal by swiping your card.

How does contactless cards compare to mobile wallets, like Apple Pay or Android Pay?

Contactless cards use Radio Frequency (RF) technology and Near-Field-Communication (NFC) technology. Digital wallets, such as Apple Pay and Android Pay, require NFC-enabled mobile phones with smart chips that allow phones to securely store the payment and account information, and to use the information as a contactless “virtual payment card.

Can people “skim” information off a contactless card?

No. For every contactless transaction, a transaction-specific, one-time code is created that secures your payment information. The code cannot be re-used by fraudsters even if they were somehow able to access it.

How long do I need to hold my card to the contactless-enabled payment terminal?

It’s quick and easy to use your contactless card to tap to pay – simply hold your contactless debit or credit card to the terminal for 1-2 seconds.

How should I hold my contactless card at checkout?

The payment terminal reads your contactless card best when you hold it flat near the Contactless Symbol.

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