This Offer Has Expired

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This Offer Has Expired

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, plus, get another $100 bonus for opening and using a Citadel credit card.1 Simply select the checking account that’s right for you and complete our brief application using promo code BONUS202109. 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.5  Open now!

Cashback Rewards Checking:

Get paid on everyday purchases, and start off with a $300 bonus. With 1% cash back on debit and/or credit purchases, earn up to $120 each year with a qualifying direct deposit.Open now!

Plus, get another $100 for opening and using ANY new Citadel credit card!

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*Agreements and Disclosures

View *Agreements and Disclosures

1 $400 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.

To earn an additional $100 cash bonus, checking bonus offer requirements above must be met, and member must open a Citadel credit card with a limit of at least $1,000 within 60 days of checking account open date. The credit card must be on the same account number as the checking share and the cardholder must complete at least one credit card purchase per statement cycle for the first three credit card statement cycles. Credit card must be open for three full statement cycles and account must be in good standing before credit card bonus will be awarded.

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 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 offers. New Account Cash Bonus offer expires November 13, 2021, 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

3 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

4 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.

5 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.

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

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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