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Build Your Relationship with Citadel & Earn Up to $4501

The secure checking account you need. The cashback credit card you want. The bonus you deserve.

Switch. Save. Spend. Earn.

Build your relationship with Citadel and you could earn up to $4501 with a new checking account and Cash Rewards credit card. Our checking accounts and credit cards were designed to help you manage your finances and everyday spending while earning rewards and building good habits along the way. Start by selecting the checking account that's right for you and open your new account using promo code BONUS243001. Once you make qualifying direct deposits2 totaling $500 or more and your account has been open for 60 days, your $300 bonus will be deposited!1 Want an extra $150? Open a Cash Rewards Mastercard® credit card and spend $1,000 in the first 90 days.6

 

Online Banking on mobile phone with Citadel debit card

Free Checking:

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

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Cashback Rewards Checking:

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

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Cash Rewards Credit Card:

✔ Unlimited 1.5% cash back on all purchases5
✔ No balance transfer fee or annual fee
✔Generous credit limit

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Not sure which checking account makes sense for you?

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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 Offers may be modified or withdrawn at any time.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.

1 $300 New Account Cash Bonus (Cashback Rewards and Free Checking Account): 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 made through the Automated Clearing House (ACH) network. Checking account must be open for 60 days before $300 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(s), given all requirements above are met. Checking account must be open for 60 days before checking bonus(es) 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. 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 offer. Offer not available for business accounts. New account cash bonus offer expires May 4, 2024, 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 made through the Automated Clearing House (ACH) network.

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

5 Cash Back Rewards (Credit Card): 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. Earn 1.5% cash back for every $1 spent on all purchases to your credit card.

6 Mastercard Cash Rewards Cash Bonus: Earn $150 Cash Bonus (“bonus”) if net purchases totaling $1,000 or more are made within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchases total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. The award (“$150 cash”) will be issued within 95 days of achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform. The $150 Cash Bonus will be deposited into your Citadel share savings account. Offer expires May 4, 2024.

For full credit card disclosures, please visit CitadelBanking.com/Disclaimers

Credit Card offer subject to credit approval. Applicant must be at least 18 years of age

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