Due to industry-wide card production delays, there are longer than normal wait times for mailed debit/credit cards. New debit cards can be instantly issued in our branches. We apologize for any inconvenience as we work to ensure the issue is permanently resolved.

Learn More
Close Message

Get up to $3001 with a Checking Account Built for You

Use promo code BONUS202301. Additional Terms Apply.

Choose the Checking Account for You

Account and offer requirements apply. Read Full Disclosures.

At Citadel Credit Union, our goal is to help you build financial strength. That’s why we’re offering a $300 bonus1 with any new checking account. Simply select the checking account that’s right for you and complete our brief application using promo code BONUS202301. It’s fast, simple, and only takes a few minutes online. Open now!

 

open a free checking account

Free Checking:

✔ No minimum balance or monthly fee3
✔ Courtesy Pay & Mobile Deposits
Contactless payments & Digital wallets

Open now | Learn More

Cashback Rewards Checking:

✔ 1% Cash Back on Purchases
✔ Earn up to $120 in cash back4
✔ Contactless payments & Digital wallets

Open now | Learn More

It's easy to get your $300! Here's how:

  1. Qualifying direct deposit(s) totaling $500 or more to your new checking account within 60 days of account opening2
  2. Account must be open for 60 days before your checking bonus will be deposited
  3. Offer limited to new checking customers only

Please note: If you have opened your account as part of a promotion, you can check the status and progress of any current or past promotional programs in Online and Mobile Banking. Simply choose 'Checking Rewards' from the Accounts menu, then select the 'Promotions' tab to review. 

Don't miss out! This offer expires on February 25, 2023

Not sure which checking account makes sense for you?

Take Our Quiz

Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

About Us

Hear From Our Customers

*Agreements and Disclosures

View *Agreements and Disclosures

1 $300 New Account Cash Bonus: Open a new checking account and earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income. Checking account must be open for 60 days before checking bonus will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel Checking Account if the account is in good standing at time of incentive processing.

Promotional code must be applied at the time of account opening to receive the incentive offer, given all requirements above are met. Checking account must be open for 60 days before checking bonus will be awarded. Bonus deposit 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 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 one offer per household per lifetime. Offer may not be combined with any other new account offers. New Account Cash Bonus offer expires February 25, 2023 and may be modified or withdrawn at any time.

2 A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, government benefits, or other regular monthly income, electronically deposited into the account

3 No maintenance or monthly fees apply to Citadel’s Free Checking Account, but other fees may apply including inactivity fee, ATM fee, overdraft fee, and other account-related fees. For a full list of fees, visit CitadelBanking.com/Fees.

4 Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking: To earn Cashback Rewards and avoid $10 monthly service fee, one of the following criteria must be met: Receive monthly qualifying direct deposit(s), as previously defined, totaling $1,000 or more OR maintain average daily balance of $5,000 in your Cashback Rewards Checking Account. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Not available for business accounts or public funds. When Cashback Rewards Checking transaction requirements are met, earn 1% cash back on Citadel debit and/or credit card purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account. Maximum cashback rewards: $10 per month. Cashback rewards will be calculated at month end on net purchases (purchases minus any credit or returns). Available cashback rewards may be redeemed at any time during the year through Online and Mobile Banking or by contacting Citadel. Earned cashback rewards can only be deposited to your Cashback Rewards Checking Account. For full Cashback Rewards program details and disclosures, visit CitadelBanking.com/CashbackChecking.

Citadel was recognized in the top 1 percent for returning value nationwide in the 2021 Callahan & Associates Return to Member scoring.

All standard account requirements apply. Information accurate as of , and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.