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Enjoy a $200* Bonus

Choose the Checking Account for You

Simply select the checking account that’s right for you and complete our brief application. It’s fast, simple, and only takes a few minutes online. No matter which account you choose, enjoy a $200 bonus.*

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Free Checking:

No minimum balance or monthly fee. Seriously. Receive a $200* bonus for opening a new account with a qualifying direct deposit. Open now!

Cashback Rewards Checking:

Get paid on everyday purchases, and start off with a $200 bonus.* With 1% cash back on debit and/or credit purchases, earn up to $120 each year with a qualifying direct deposit.** Open now!

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*Agreements and Disclosures

View *Agreements and Disclosures

*EARN $200 NEW CHECKING ACCOUNT BONUS OFFER


All Citadel Checking Accounts:


ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit Citadelbanking.com/ATM.


††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.


†††Citadel offers several overdraft protection options, including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Please contact us to discuss the best overdraft protection options for you.


^A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account holders less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.


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 Offers may be modified or withdrawn at any time.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.


*$200 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts)

Open a new Checking account and earn a $200 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. Account must be in good standing at time of incentive processing in order to receive the cash bonus. Incentive earned will be automatically deposited into your Citadel checking account. Bonuses may be reported on a 1099-INT.


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 received a checking new account bonus previously. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer and may be withdrawn or modified at any time. New Account Cash Bonus Offer expires September 12, 2020.


**Earn Up to $120 in Cashback Rewards Annually:

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 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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