The Checking Account that Maximizes Your Cash Back

With Citadel’s Cashback Rewards Checking Account, you earn cash back on all qualifying debit and credit card purchases.

Cashback Rewards Checking

Our Cashback Rewards Checking Account gives you 1% cash back on all qualifying debit and credit card purchases so you can maximize your earnings. Earn up to $1201 Cashback Rewards on everyday purchases every year from Citadel.

New to Citadel? We're glad you're here! Our Cashback Rewards Checking account offers a convenient and simple application process that will make your experience fast and easy. You can easily open an account online in minutes by answering a few simple questions. Open now!

Current members can also open additional accounts and apply for loans through Online and Mobile Banking at any time. Simply select 'Open an Account' from the 'Accounts' menu to open. Get Started!

Not currently enrolled in Online Banking? No problem! Enroll Now.

cashback rewards checking

Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

Learn More

With your Cashback Rewards Checking Account, everyday banking is easy and convenient with our digital tools:

  • clipboard check, featureAccount Alerts for fraud, spending limits, and more
  • clipboard check, featureInstant control of your cards with Card Control
  • clipboard check, featureOnline Bill Pay
  • clipboard check, featureCitadel Mobile App with Mobile Deposit
  • clipboard check, featureConvenient monthly eStatements
  • clipboard check, featureFree budgeting and personal finance tools through Money Manager

Want to connect with an expert now?

Video Chat

See How We Compare:

Citadel checking compare chart 
*Information accurate as of August 1, 2023. 

How to Redeem Your Rewards

You can redeem Cashback Rewards as soon as they’re available, and the cash back is instantly deposited into your Cashback Rewards Checking Account. Redeem your Cashback Rewards through Online & Mobile Banking or by contacting Citadel. You’ll love how quickly it adds up! Learn how to redeem.

Each year on your account opening anniversary, we’ll automatically deposit any Cashback Rewards that haven’t been redeemed.

Switching is Easy

If you already have a Citadel Checking Account, switching to a Cashback Rewards Account is simple. Your account number and debit card will stay the same, so you don’t have to worry about updating anything. Simply switch through Online or Mobile Banking or by visiting one of our locations.

Ready to switch? Here's how.

What You'll Need to Earn Cash Back

  • $1,000 or more in qualifying direct deposit per month2

Ready to speak with a representative about Cashback Rewards Checking?

Schedule Appointment

Additional Features

  • Contactless Debit Card - simply Tap & Go™ wherever you see the contactless symbol at checkout
  • Enjoy all of the great Mastercard benefits. Use it at ATMs and everywhere Mastercard is accepted
  • Control your cards with Card Control
  • See which accounts are connected to your card by selecting "Debit/Credit Card Details" under "Manage Cards" in Online and Mobile Banking
  • Redeem available Cashback Rewards at any time or automatically on your account opening anniversary
  • No monthly fees when you meet one of the account requirements2
  • Account Alerts for fraud, spending limits, and more
  • No fees or surcharges at Citadel branch locations and ATMs
  • Access to surcharge-free networks across the country3
  • Online checking account management with free budgeting tools
  • Citadel Mobile App with Mobile Deposit
  • No Citadel ATM Withdrawal or Balance Inquiry Fees at any ATM
  • Free overdraft transfer from your savings or loan account4
  • To review all of the product features, check out our Product Guide

Not sure which account is right for you?

Take the quiz

Cashback Rewards Checking Rate

Cashback Rewards Checking

APY = Annual Percentage Yield. Read Full Disclosures.

Best For...
Those who love to earn cash back for purchases with a debit or credit card
Customers who need convenient ATM access with no fees or surcharges



Monthly service fee, if account requirements are not met; waived for 60 days following account opening2 (excludes ages under 21)


Paper account statement fee (excludes ages under 21 and 70+)


Monthly Inactivity Fee5


Courtesy Pay overdraft protection fee4


Non-sufficient funds (NSF) fee


Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.

secure, yellow security shield
video connect

Chat Face-to-Face With Citadel Video Connect

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

connect now

Hear From Our Customers

Find an ATM or Branch Near You

Frequently Asked Questions

What are the minimum requirements to earn Cashback Rewards on the Cashback Rewards Checking Account?
In order to earn Cashback Rewards, the Cashback Rewards Checking Account must maintain an average daily balance of $5,000 or receive qualifying direct deposits that total $1,000 or more each month. Cashback Rewards are earned on net purchases on a monthly basis, with a maximum of $10 in Cashback Rewards per month. 
How do I earn cash back on the Cashback Rewards Checking Account?
When balance or direct deposit requirements are met, you will earn 1% cash back on net purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account.  Cashback Rewards have a monthly cap of $10. 
How do I redeem my Cashback Rewards?

Available Cashback Rewards can be redeemed through Online Banking or our Mobile App. You can also call or visit to redeem your Cashback Rewards.

When you choose to redeem, the full balance of available cash back must be redeemed and will be instantly deposited into the Cashback Rewards Checking Account. Any Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement period.

To redeem online, follow these two easy steps:

  • Navigate to your checking account record and select 'Rewards & Promotions'
  • Choose ‘Redeem Rewards’ and the funds are instantly deposited into your Checking Account!
What types of purchases qualify to earn cash back?
Cashback Rewards will be calculated at month end on net debit and credit card purchases (purchases minus any credits or returns) that post to your account each statement cycle. ATM withdrawals, credit card cash advances, and credit card balance transfers are not considered purchases and will not earn Cashback Rewards. A Citadel debit or credit card must be linked to your Cashback Rewards Checking Account to earn Cashback Rewards on purchases. 
How do I switch my current Checking Account to a Cashback Rewards Checking Account?

You can convert your current Checking Account to a Cashback Rewards Checking Account through Online and Mobile Banking, by calling Citadel, or visiting us in a branch. Converting your account is easy in Online and Mobile Banking:

  1. Click into the Checking Account you want to convert.
  2. From your account details use the 3 dot ellipses menu and select 'Switch Account Type'
  3. Confirm your account details, and you’re done!

Your account number and card number will stay the same.

What is Citadel Credit Union’s ATM withdrawal limit?

Members can withdrawal funds of up to $600 per day for ATM withdrawals that includes any surcharge fees. For example, if you wish to takeout $600 and the ATM charges a $3 fee the most you withdrawal is $597.

To avoid any fees, visit any Citadel branch or use our locator tool to help you find your nearest surcharge-free ATM.

Still have questions? View a complete list of FAQs.

*Cashback Rewards Checking Account Disclosures

View *Cashback Rewards Checking Account Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum daily balance to earn APY is $5,000. Fees may reduce earnings.

1 Earn Up to $120 in Cashback Rewards Annually: 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

2To 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. Limit to 5 Cashback Rewards Checking accounts per member. 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, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.

3 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

4 Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the extra expenses caused by a bounced check or insufficient funds. These include: transferring funds from a Citadel Savings and/or Money Market Account; advancing funds from a Citadel Personal Line of Credit; and Courtesy Pay. Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account). As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid. If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by: completing the opt-in form in Online and Mobile Banking by selecting 'Courtesy Pay' under 'Accounts' in the main menu; visiting any Citadel Branch; calling Citadel toll free at (800) 666-0191; or you cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.

When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for over drafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800) 666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.

5 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.