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What Is Bank at Work? Workplace Banking That Comes to You
Banking That Does More — Automatically.
With the Ultimate Growth Advantage, you get built-in tools, protections, and perks designed to support your financial well-being, protect what matters most, and deliver real value in your daily life. No separate sign-up. No extra steps. Just smarter banking that works harder for you.
Workplace Banking simplifies everyday finances by combining digital convenience with real human support. Whether you're working onsite, remotely, or on a nontraditional schedule, you get flexible ways to manage your money—without long wait times or limited access.
With seamless transfers, mobile-first tools, and expert guidance when you need it, Workplace Banking helps you spend less time managing money and more time focusing on what matters.
What's included in the Ultimate Growth Advantage?
The Ultimate Growth Advantage covers five benefit categories, each designed to address a real dimension of your financial life:
Financial Insight & Wellness
✓ Free credit score monitoring and credit-building insights
✓ Budgeting and cash-flow management tools
✓ Financial education and progress tracking to support confident decisions
Everyday Protection
✓ Cell phone protection for damage or theft
✓ Purchase protection on eligible items
✓ Extended warranty coverage on qualifying purchases
Access and Mobility
✓ Enhanced out-of-network ATM fee reimbursements
✓ Monthly credits for contactless public transit in major metro areas
Everyday Value
✓ Monthly Lyft ride credits
✓ Instacart+ promotional access and monthly order credits
✓ Mastercard® merchant offers and lifestyle discounts
Identity & Security
✓ Identity theft monitoring and resolution support
✓ Fraud education and prevention tools
✓ Live member assistance — real people, real answers
What Makes Workplace Banking Different
- Flexible access
- Connect by mobile, online, video, or in person
- No reliance on traditional branch hours
Simple Money Movement
- Transfer between accounts or institutions easily
- Fully managed through digital banking tools
Built-in Card Benefits
- Zero liability protection
- Digital wallet compatibility
- Cell phone protection (when eligible)
Support Beyond the Account
- Financial education resources
- Guidance for major life events like home buying
Earn up to $500 with a New Checking Account
Open NowUltimate Growth Checking Frequently Asked Questions
If you already have an Ultimate Growth Checking Account, you can view your current tier in your dashboard when you log in to Online & Mobile Banking. Your tier will also be displayed on your account statement each month. Your tier will be automatically adjusted each month based on the combined 3-month average daily balance of all Ultimate Growth Checking Accounts on the same unique account number.
The 3-month average daily checking balance is evaluated at the end of each month, and any tier adjustment will automatically occur on the first day of each month.
Your tier will be automatically adjusted each month based on the combined 3-month average daily balance of all Ultimate Growth Checking Accounts on the same unique account number.
Yes, Citadel's High Yield Savings Account requires a minimum daily balance or $5,000 or above to earn interest. Your account will not earn the base APY or boost without a $5,000 minimum daily balance regardless of your tier. Learn more about our High Yield Savings Account here.
Yes, the Ultimate Growth Checking Account is available for teens starting at age 13 with joint ownership shared by a parent or guardian. Teens are eligible for all the same benefits as adults, as well as the added benefit of no ATM fees at non-Citadel ATMs up to age 25. Learn more about teen debit accounts here.
At this time, only Citadel's Cash Rewards credit card is associated with Ultimate Growth Checking. If you'd like to open a Cash Rewards card, click here to learn more and apply.
Citadel's Free Checking & Cashback Rewards Checking Accounts have been retired as of February 2025. Accountholders can keep their existing accounts or upgrade to Ultimate Growth Checking.
To make the switch, log in to Online & Mobile Banking, then:
- Select your current checking account from the accounts list
- Select 'More', then 'Switch Account Type'
Or, you can stop by any branch.
To open a new Ultimate Growth Checking Account, visit CitadelBanking.com/Ultimate
To earn a bigger boost from your Ultimate Growth Checking Account, you'll need to advance to a higher tier based on your checking balance. You can learn more about the requirements and benefits of each tier here.
No, Citadel's other checking accounts were retired as of February 2025, so you cannot switch back to an old account type after you've upgraded to Ultimate Growth Checking.
To switch another Citadel checking account to Ultimate Growth Checking, log in to Online or Mobile Banking, then:
- Select your current checking account from the accounts list
- Select 'More', then 'Switch Account Type'
Or, you can stop by any branch or call us at 800-666-0191
Your account number and debit card number will stay the same.
Unredeemed rewards are deposited into the checking account automatically as part of the account upgrade process, so you don’t lose them. You do not need to redeem rewards prior to upgrading to Ultimate Rewards Checking.
Your Cash Rewards credit card will automatically be linked to your Ultimate Growth Checking Account as long as they are both on the same unique account number. All of your accounts with Citadel will be visible to you in Online & Mobile Banking. Depending on your tier, you'll automatically earn an extra boost to the cash back you receive on purchases made with your Cash Rewards Mastercard®.
If you have an Ultimate Growth Checking Account, you'll fall into one of five tiers based on your checking account balance. Depending on your tier, you can earn an extra boost to the percentage of cash back you receive on purchases made with your Cash Rewards Mastercard®. Explore the tiers and learn more about Ultimate Growth Checking here.
Tiers are evaluated monthly, ensuring you’re always getting the most value based on your 3-month average daily balance. The account benefits change along with the tier. The account benefits will always correspond with your current tier.
Yes, tiers are evaluated monthly, ensuring you’re always getting the most value based on your 3-month average daily balance. The account benefits change along with the tier. The account benefits will always correspond with your current tier.
Still have questions? Visit our help center.