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

Use promo code BONUS202208A. Restrictions apply.

Choose the Checking Account for You

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 BONUS202208A. It’s fast, simple, and only takes a few minutes online. Open now!

*Account and offer requirements apply. Read Full Disclosures.

open a free checking account

Free Checking:

No minimum balance or monthly fee.2 Seriously. Receive a $300 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 $300 bonusWith 1% cash back on debit and/or credit purchases, earn up to $120 each year4 with a qualifying direct deposit. Open now!

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

  1. Open a new checking account using promo code BONUS202208A
  2. Make qualifying direct deposit(s) totaling $500 or more to your new checking account within 60 days of account opening3
  3. Account must be open for 60 days before your checking bonus will be deposited
  4. 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 September 15, 2022.

Compare our Checking Accounts:

Features  Free Checking  Cashback Rewards Checking
1% Cash Back on Purchases N/A Earn up to $120 every year4
Monthly Service Charge $05  $10, waived with $1,000 in qualifying Direct Deposit(s)3 per month4
Real-time Account Alerts Free Free
Card Control Free Free
Online Budgeting Tools Free Free
Mobile Deposits & Digital Wallets Free Free
External Transfers to/from other Financial Institutions  Free Free
Transactions at a Non-Citadel ATM

Withdrawal - $3 | Balance Inquiry - $1 

Free6
Automatic Overdraft Transfers7 $5 Free
Stop Payments $25 Free

Not sure which checking account makes sense for you?

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Discover the Citadel Difference

  • checking accountConvenient office locations near you
  • checking accountOnline and on-the-go banking tools and apps
  • checking accountQuick payments with your contactless debit Mastercard
  • checking accountTimely account Alerts, automatic Overdraft Protection and more

Open a checking account today! Use promo code BONUS202208A

Get Started
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Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

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Find an ATM or Branch Near You

*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 September 15, 2022 and may be modified or withdrawn at any time.

2 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.

3 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.

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.

5A $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.

6 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.

7 Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Contact us to discuss the best overdraft protection option for you.

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.

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