It’s Better Than Free

With 1% cash back on everyday purchases, our Cashback Rewards Checking gives you more than your average free checking account.

What's better than FREE? Getting cash back.

Citadel’s Cashback Rewards Checking Account is better than free—you earn cash back on everyday purchases.

You’ll Keep Earning

cashback rewards checking

What you'll need

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

**Please note: A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other sources of regular monthly income, electronically deposited into the account.

Not sure if you qualify? Check out the below options to find out:

Open an Account

Opening a Cashback Rewards Checking Account is simple and easy. You can open online, at any Citadel branch or by calling 1-800-666-0191 .

  • New Citadel customers can open online in as little as 15 minutes with a government issued ID to get started. Open Now!
  • Current Citadel customers can open in Online and Mobile Banking by selecting ‘Accounts' from the main menu and 'Open An Account’ from the drop-down. 

Open a Citadel Cashback Rewards Checking Account today!

Open Now

Find an ATM or Branch Near You

Agreements and Disclosures

View Agreements and Disclosures

Information accurate as of and is subject to change without notice. All standard account requirements apply. Fees may reduce earnings.


Cashback Rewards Checking Account Requirements:

To earn Cashback Rewards and avoid a $10 monthly service fee, one of the following criteria must be met:

  • receive monthly qualifying direct deposit(s) totaling $1,000 or more, in your Cashback Rewards Checking Account. OR
  • maintain average daily balance of $5,000

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.


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. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). 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. Each Citadel debit or credit card may only be linked to one Cashback Rewards Checking account. When Cashback Rewards Checking balance requirements are not met, Cashback Rewards will not be earned.


Full balance of available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking, Citadel’s Mobile App, or by contacting Citadel. Partial redemptions are not allowed. Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your checking account during the following statement period. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking account.


Up to $120 Cashback Rewards Match:

After the first 12 months that your Cashback Rewards Checking account is open, Citadel will match the Cashback Rewards you have earned. Your Cashback Rewards match will automatically be deposited into your Citadel Cashback Rewards Checking account during the following statement period. If your account is closed or you switch to another Citadel Checking Account prior to the end of the 12th consecutive statement period, your Cashback Rewards will not be matched.


Additional Account Information:

Account must be active and in good standing in order to receive Cashback Rewards. Cashback Rewards Program may be modified or withdrawn at any time. The Cashback Rewards Checking Account is not available for business accounts or public funds. Limit 5 Cashback Rewards Checking accounts per member.


All Citadel Checking Accounts:


Monthly Inactivity:

A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if the combined balance of all deposit accounts is $500 or more. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.


Important Information about Overdrafts and Overdraft Fees:

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 potential embarrassment and 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
  • Courtesy Pay

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. To learn more, please ask a Citadel Representative. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.


This notice refers to our Courtesy Pay program:

Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:

  • Checks
  • ACH withdrawals
  • Bill Payer payments
  • Recurring debit card transactions (e.g., monthly payments debited from your account)

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

You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.


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 overdrafting 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.


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