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The Community Voted. We Won!
Best Credit Union in Montgomery County
Join the Celebration
Citadel is proud to announce we were voted Best Credit Union in Montgomery County on the Montco Happening List for 2022. This ranking celebrates the area’s most beloved businesses, people, events and organizations. We’re extremely proud to be voted by our members and the public for this recognition, as our community is at the core of everything we do.
How We’re Celebrating: $300 Bonus
When you join the Best Credit Union in Montgomery County, you can get a $300 bonus with any new checking account!1 Choose from two different accounts to find your best fit – our Free Checking or Cashback Rewards Checking – and apply online using promo code MONTCO3004.
It's easy to get your $300! Here's how:
- Qualifying direct deposit(s) totaling $500 or more to your new checking account within 60 days of account opening2
- Account must be open for 60 days before your checking bonus will be deposited
- Offer limited to new checking customers only
Free Checking:
✔ No minimum balance or monthly fee3
✔ Courtesy Pay & Mobile Deposits
✔ Contactless payments & Digital wallets
Cashback Rewards Checking:
✔ 1% Cash Back on Purchases
✔ Earn up to $120 in cash back4
✔ Contactless payments & Digital wallets
Not sure which checking account make sense for you?
TAKE OUR QUIZAbout Your Membership
When you open a Citadel Checking Account, you become a member of our not-for-profit, member-owned credit union. As a member, you'll have access to our full suite of financial products and services, expert guidance, and digital tools.
Every member must also have a savings account, which includes a $5 share. This is your “share” of the credit union and establishes you as a member-owner with access to all other benefits of credit union membership. You may choose to use your savings account however you want and open other accounts as needed throughout your membership.
Membership Benefits
We don’t answer to a group of outside stockholders, we answer to you. Our members are the foundation of who we are – driving our purpose each and every day. When you become a member, we encourage you to take advantage of everything that comes with your membership, including:
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*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 December 31, 2022 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. Internal or external transfers from one account to another, mobile deposits, deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.
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.
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