Looking for a Free Business Checking Account? Stick with the Essential.

Citadel’s Essential Business Checking account is designed to help your business build financial strength.

Essential Business Checking Account

With no monthly fee or minimum balance requirements and up to 200 free transactions per month,1 Citadel's Essential Business Checking account is a flexible must-have for every local business. This account can be used for everyday expenses or combined with other accounts like our Elite Business Checking, depending on the current needs of your company.

Either way, you’ll save time and money with free online banking tools, secure account access, and convenient features designed to support your business from the ground up.

Switch to Citadel

We make it easy to switch to Citadel from another financial institution, so you can take advantage of all the benefits of credit union membership. Choose to connect with one of our Business Banking experts to discuss all the banking products and services that can take your company to the next level, or open an account online.

Additional Features

  • Free Contactless Debit Card - simply Tap & Go™ wherever you see the contactless symbol at checkout
  • 25% discount on first order of checks
  • No Citadel fees on ATMs2
  • Manage your cards and turn them on/off as needed with Card Control
  • See which card is connected to your account in the card services tab in your checking or credit card account record in Online & Mobile Banking
  • No monthly fees
  • No minimum balance or activity requirements
  • Account Alerts for fraud, spending limits, and more
  • Online Banking with desktop Remote Deposit Capture available3
  • Free Citadel Mobile App with Mobile Deposit
  • Same day issuing of debit and credit cards at most Citadel branch locations

Opening an Essential Business Checking Account is simple! Get started today.

Open Now


Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.

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Find an ATM or Branch Near You

All standard account requirements apply. Information accurate as of and subject to change without notice. Fees may reduce earnings.

1 Transactions are defined as any checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits. First 200 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction.

2 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.

3 Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.