*Get a $250 Bonus Reward!

We’ll give you a $250 Bonus when you open a new, Free Checking Account.

Switch to the checking account that pays you!

With our Free Rewards Checking you can turn everyday debit card purchases into cash, gift cards, travel and more! The more you spend the more you earn, plus for a limited time get a $250 Bonus Reward.

It's easy to get your bonus rewards!

  1. Open a new checking account with us with as little as $50
  2. Make at least three (3) signature transactions using your new debit card within the first 30 days after opening your account
  3. Call us or visit any one of our convenient branch locations to request your 25,000 bonus points

Opening Online is Easy!

Gather Your Information. You will be asked for some personal information for both primary and joint applicants. It is recommended that you have the following information close by before you select "Get Started":

  • Social Security Number
  • Email Address
  • Government-issued ID
  • Date of Birth
  • Home Address
  • Phone Number

Once you are ready select one of the "Get Started" buttons and you are on your way to earning your Bonus Rewards!

Talk to Us
Call us today with any questions!
(844) 499-0432

Rewards can be redeemed with as few as 2,500 points. Learn more about our Reward Points and how you can start earning points today.

Open your new, Free Rewards Checking Account today!

Get Started

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*Agreements and Disclosures

View *Agreements and Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).

*Bonus Rewards

This limited time offer may be withdrawn at any time. All standard account requirements apply. $50 minimum deposit to open account. The offer may not be combined with any other offer. Bonus rewards points available to new checking customers only; One offer per household, per lifetime. Customer must not have closed a Citadel checking account within the last 12 months. To receive bonus rewards points customer must contact Citadel by calling (877) 780-1615 or visit a branch after making a minimum of three (3) signature-based transactions using their Citadel debit card within 30 days after account opening. Bonus reward points will be awarded within 60 days after Citadel confirms the requirements have been met. Bonus points must be requested within 6 months of meeting the promotion requirements. There is 5 year expiration on unredeemed points. Earn one (1) point for every $3 of signature-based transactions with your Citadel Debit MasterCard®. 250 Reward points cash redemption value accurate as of and subject to change. Redemption values differ depending on the redemption category.

Monthly Inactivity:

A $5.00 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 owners 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 in which case a $5 inactivity fee will be applied to each checking, savings, and money market account, if the combined balance of all deposit accounts is less than $500.