A Debit Card that Rewards YOU

Earn Debit Card Rewards

You've heard of credit card rewards, but how many banks give you rewards such as great merchandise, gift cards, travel, or cash just for using your checking account's debit card?

Turn everyday spending into exciting rewards.

With your Citadel checking account, whenever you make a purchase or payment with your debit card, you’ll earn points that can be redeemed for almost anything. When it comes to rewards, isn’t it great to have options like these:

  • Cash
  • Gift cards (major department stores, popular restaurants, and more)
  • Flights, hotels, cruises, and dream vacations
  • Electronics
  • Home goods
  • Recreation equipment
  • And so much more!

Here’s how Rewards Points work.

  • Open a checking account. When you open any one of Citadel’s three checking accounts, you will receive a Citadel Debit Mastercard®. Your debit card purchases are withdrawn from your checking account and can be used wherever Mastercard is accepted.
  • Points start adding up automatically! No enrollment necessary. You’ll earn 1 point for every $3 spent with signature-based transactions. Be sure to choose “credit” (not “debit”) when making purchases to make sure you’re earning points.
  • Redeem points. Get rewards. Log in to Online Banking and click “Rewards Points” to redeem rewards. You can earn rewards with as few as 2,500 points or save them up for something bigger.*

If you are not an Online Banking user, you can visit our Rewards Points page and create an account to review and redeem your points. Or, print and mail in the redemption form.

Already using a Citadel debit card? You’re already earning!

Start taking advantage of this valuable membership benefit. Log in to Online Banking and click “Rewards Points.”

Start earning debit card rewards—open an account today!

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Earn more. Enjoy more.

Use your Citadel debit card instead of a check to earn more points—and more valuable rewards. Try using your card for:

  • Android Pay™, Apple Pay™, or Samsung Pay™ digital wallets
  • Primary payment card with online merchants such as Amazon
  • Electric, cable, and telephone bills
  • Streaming entertainment services such as Netflix
  • Gym membership payments
  • Loyalty apps such as Starbucks Rewards

Find an ATM or Branch Near You

Frequently Asked Questions

How do I earn Rewards Points with my Citadel Debit Card?

When using your debit card for purchases, be sure to choose "Credit" to get rewards points. You'll earn 1 point for every $3 spent with signature based Citadel Debit Mastercard transactions.

What should I do if my card gets lost or stolen?

Contact Citadel immediately to report your card lost or stolen at (800) 666-0191.

How can I check my Rewards Points?

The easiest way to check your rewards points is to log in to Online or Mobile Banking and select, ‘Rewards’ from the menu. Then, select your card number and the Rewards Points page will open in a new window. 

If you are not an Online Banking user you can visit our Rewards Points partner directly and create an account to review and redeem your points.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

Points expire after five years. Check your statement for notifications about any points expiring soon.