Earn Up to $3501 With Business Checking
Built for Work
Citadel’s Business Checking accounts were built to empower your growing business to reach the next level. Choose from either one of our two accounts to find what works, and you could earn a cash bonus up to $350 with qualifying activities.1
Once you get set up, you can streamline payments and keep track of everything with 24/7 Online & Mobile Banking, ACH Origination and Wire Transfers, Remote Deposit Capture, Payroll & HR, and Merchant Services. Our team of specialized experts can help find exactly what you need to exceed your goals and build a meaningful, lasting partnership.
Compare Business Checking Accounts

Essential Business Checking
• Up to 200 free transactions per month2
• No monthly fee or balance requirement
Earns Dividends
Optional savings sweeps
• 25% discount on first order of checks
Free Debit Card
Free Transactions at Citadel ATMs
No Foreign ATM Fees from Citadel5
• Earn up to $2001
Read Full Disclosure
Elite Business Checking
• Up to 500 free transactions per month2
• Multiple ways to waive the $15 monthly fee3
Earns Dividends
Optional savings sweeps4
• 50% discount on first order of checks
Free Debit Card
Free Transactions at Citadel ATMs
No Foreign ATM Fees from Citadel5
• Earn up to $3501
Read Full DisclosureHow To Get Your Cash Bonus:
Open an Elite Business Checking account, and earn $2001 when you:
- Make deposits totaling $25,000 or more within 30 days of account opening
- Maintain a $25,000 daily balance for the remaining 31-90 days after account opening
Plus, earn another $1501 when you:
- Enroll in Citadel’s Merchant Services and/or ACH Origination
- Complete your first transaction within 90 days of account opening
…for a total of $350!
Or, open an Essential Business Checking account, and earn $1001 when you:
- Make deposits totaling $1,000 or more within 30 days of account opening
- Complete a minimum of 10 debit card purchases within the first 90 days
Plus, earn another $1001 when you:
- Enroll in Citadel’s Merchant Services
- Receive your first deposit within 90 days of account opening
…for a total of $200!
Ready to open an account?
CONTACT USWhy Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join





Citadel Credit Union Business Checking Accounts: All standard account requirements apply. Information accurate as and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Fees may reduce earnings.
1 New Account Cash Bonus Offer:
Up to $350 Cash Bonus: Open a new Elite Business Checking account. Earn a $200 cash bonus with total deposits of $25,000 or more within the first 30 days (internal transfers excluded) and maintain a $25,000 daily balance for the remaining 31 – 90 days after account opening. After meeting these requirements, earn an additional $150 by enrolling in Citadel’s Merchant Service program and/or ACH Origination services and complete your first transaction within 90 days of account opening. Once you meet these requirements, and your checking account has been open 90 days, your bonus(es) will be paid within 10 business days.
Up to $200 Cash Bonus: Open a new Essential Business Checking account. Earn a $100 cash bonus with total deposits of $1,000 or more within the first 30 days (internal transfers excluded) and complete a minimum of 10 debit card purchases within the first 90 days. After meeting these requirements, earn an additional $100 cash bonus when you enroll in Citadel’s Merchant Service program and receive your first deposit within 90 days of account opening. Once you meet these requirements, and your checking account has been open 90 days, your bonus(es) will be paid within 10 business days.
Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at time of incentive processing. Cash bonus is subject to all applicable taxes and are the responsibility of the member. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.
New account cash bonus offer available to qualified new business 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 of one business checking bonus per business. Offer may not be combined with any other new account offer. New account cash bonus offer expires December 31, 2023, and may be modified or withdrawn at any time.
2 Free Transactions: Transactions are defined as any checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits. Elite Business Checking: First 500 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction. Essential Business Checking: First 200 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction.
3 Elite Business Checking Account monthly service fee is $15 per month. Fee is waived for 90 days from the account open date. Avoid the $15 monthly service fee by meeting one of the following requirements each statement cycle: Average daily checking balance is $5,000 or more; $25,000 combined average daily balance in deposits and month end investment balances; and/or Merchant Services Enrollment with at least one merchant services deposit per month.
4 Savings Sweeps: Only available with an Elite Business Checking Account. Checking account must be connected to a Business High Yield Savings account or a Business Money Market account and maintain a minimum balance of $10,000 in the Elite Business Checking account.
5 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 Citadelbanking.com/atm.
6 Desktop Remote Deposit Capture: Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.
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