Transfer Your Balances With No Fees!

Move your balances from other higher rate credit cards to your Citadel Mastercard® and pay no balance transfer fees.

Transferring Your Balance is Easy

Just log in to Online Banking and navigate to your credit card account to select the Card Services tab. Select the Balance Transfer tile and fill out the information to transfer your balance to your Citadel Mastercard® for free. It takes less than 5 minutes!

Or you can video chat, schedule an appointment, call 800-666-0191, or stop into any branch to complete a balance transfer.

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

Log in to transfer a balance in Online Banking.

Get Started

Balance Transfer Frequently Asked Questions

Are there any fees tied to Balance Transfers?

No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.

What are the benefits of doing a Balance Transfer?

Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.

How do I do a Balance Transfer to my Citadel Mastercard?

Transferring balances to your Citadel Mastercard is simple! Log into Online Banking and navigate to your credit card account and select the Card Services tab. Select the Balance Transfer tile and fill out the information to transfer your balance from an external card to your Citadel Mastercard..

Will I have to pay interest on my Balance Transfer?

Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.

Still have questions? Visit our help center.

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 15.99%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 14.99%-17.99% for World Mastercard, APR will be a fixed rate of 9.99%-17.99% for Rewards Card and APR will be a variable rate of 11.99% - 17.99% for Choice Mastercard. All APRs are based on credit worthiness. See product pages for additional information. Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder Terms and Conditions. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.

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