Ultimate Growth Checking

The checking account that grows with you.

Want to make the most of every dollar you spend, save, and earn? With five tiers that automatically grow as you go, you’ll never have to worry about switching accounts again.² The more you grow your balance, the more your rewards and perks get boosted.

Starting from Tier 1, you'll begin with a strong foundation where you can stay comfortably or build from there. And when you add Citadel’s Cash Rewards credit card and a High Yield Savings Account, you’ll get the base rate for each, plus an extra boost depending on the tier you're currently in. Instead of working against each other, your spending and savings will work together to improve your overall financial wellness. See each tier's requirements below, or check out some FAQs if you have further questions.

For a limited time, you can also get a $200 cash bonus³ when you set up qualifying direct deposit(s) of $2,000 or more to your new Ultimate Growth Checking account by April 30, 2025. Here's how.

Important Disclosures & Information

APY=Annual Percentage Yield.

¹ Ultimate Growth Checking: APY is variable and can change without notice. APY is determined by Tier. Tier 1 – No Dividends paid; Tier 2 Minimum 3-Month Average Daily Balance of $5,000 to earn 0.05% APY; Tier 3 Minimum 3-Month Average Daily Balance of $10,000 to earn 0.10% APY; Tier 4 Minimum 3-Month Average Daily Balance of $20,000 to earn 0.15% APY; Tier 5 Minimum 3-Month Average Daily Balance of $40,000 to earn 0.20% APY. No maintenance or monthly service fees apply. Other fees may apply including an inactivity fee, ATM fee, overdraft fee and other account related fees. Fees that can be waived or refunded are listed in each Tier. For full list of fees visit Citadel Banking.com/Fees.

² The Reward Tier can be adjusted monthly and is determined by the combined three-month average daily balance of all Ultimate Growth Checking accounts on the same unique account number. At the beginning of each month, we will add the average daily balance of the previous three months and divide that figure by three. For new accounts with no existing Ultimate Growth Checking account, the reward tier from account opening to the end of the first calendar month is Tier 1; the reward tier for the second month is determined by the average daily balance for the first month; the reward tier for the third month is determined by adding the average daily balance for the first month and the second month and dividing by two. See the Membership Agreement and Disclosures for details on the compounding and crediting of interest.

³ Earn a $200 cash bonus for qualifying direct deposit(s) totaling $2000 or more posting to your Ultimate Growth Checking account by April 30, 2025. Limited to members that received the offer directly from Citadel. A qualifying direct deposit is defined as a recurring electronic deposit into your checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network.

If requirements are met, your bonus will be automatically deposited into your Citadel Ultimate Growth Checking account by May 31, 2025. Account must be in good standing at the time of incentive processing. 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.

⁴ High Yield Savings: Minimum balance to earn APY is $10,000. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements. Fees may reduce earnings. HYS rates are variable and may change after account opening. One (1) free withdrawal or transfer per calendar quarter, $25 for each additional withdrawal or transfer.

⁵ Cash Rewards Mastercard: Cash Back Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn cash back rewards.

⁶ ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.

⁷ Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the extra expenses caused by a bounced check or insufficient funds. These include: transferring funds from a Citadel Savings and/or Money Market Account; advancing funds from a Citadel Personal Line of Credit; and Courtesy Pay. Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account). As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid. If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by: completing the opt-in form in Online and Mobile Banking by selecting 'Courtesy Pay' under 'Accounts' in the main menu; visiting any Citadel Branch; calling Citadel toll free at 800-666-0191; or you cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals. A Courtesy Pay Fee of $33 will be charged to your account, when we agree to pay an item that overdraws your checking account. We will limit the number of combined NSF and Courtesy Pay Fees charged on any one calendar day to 5. Once you have overdrawn your account you will need to bring the account to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have had a negative balance for more than 60 days. When making the decision to pay or return an item and charge a fee, we treat each original presentment and representment as an individual transaction. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule. All standard account requirements apply. Information accurate as of February 3, 2025, and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.

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