Get up to $350* in Your First Year

Open the Checking Account That Pays You Back

Cashback Rewards Checking: A Better Way to Pay

The Checking Account That Pays You

When you open and use a new Cashback Rewards Checking Account, you can earn up to $350* in your first year. Plus, add a Citadel credit card to earn even more! It all adds up to a better way to pay.

Simply use your Citadel Cashback Rewards Debit Card to earn 1% cash back – up to $10 a month. Then, redeem your Cashback Rewards whenever you like! To get started, all you need is $1,000 or more in direct deposits each month. At the end of the first year, we’ll match your Cashback Rewards dollar for dollar. That adds up to another $120!

cash back checking 

What You’ll Need to Get Cash Back

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

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

Get an Extra $110*

As a new checking account customer, you are eligible for a $110* cash bonus.

Complete a few simple steps:

  1. Open your Cashback Rewards Checking Account.
  2. Meet the direct deposit requirement within 60 days of account opening.
  3. Contact us to claim your bonus. Call us at (877) 780-1615, chat online, or visit any Citadel branch

If you call or chat with us online, please have your Account Number handy.

After these steps are completed, your cash bonus will be deposited.

*Please note: your account must be open for 60 days and in good standing to receive a bonus.

Open a Citadel Cashback Rewards Checking account today!

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Maximize your cash back with Citadel’s Cashback Rewards Mastercard.

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*Agreements and Disclosures

View *Agreements and Disclosures

*All standard account requirements apply.


To earn Cashback Rewards and avoid $10 monthly service fee, one of the following criteria must be met: receive monthly qualifying direct deposit(s) totaling $1,000 or more OR maintain average daily balance of $5,000 in your Cashback Rewards Checking Account. A qualifying direct deposit is defined as a recurring electronic direct deposit of payroll, pension, Social Security, Government benefits, or other eligible regular monthly income.


$110 Cashback Rewards Checking New Account Signup Bonus:

$110 bonus offer is available to new checking customers only and may not be combined with any other new account offer. Customer must not have closed a Citadel checking account within the last 12 months and/or received a checking signup bonus or award previously. Limit one offer per household per lifetime.


To be eligible for the $110 bonus, a qualifying direct deposit, as defined above, of $500 or more must post to new checking account within 60 days of account opening. To claim the new account bonus, customer must contact Citadel by calling 1-800- 666-0191 or visiting a branch after completing the requirements. The bonus must be requested within 60 days of meeting the promotion requirements. Cashback Rewards Checking account must be open for 60 days for bonus to be awarded. Bonus will be deposited to Cashback Rewards Checking Account after 60 days, once Citadel confirms the requirements have been met. The bonus may be reported on a 1099-INT. New account offer expires July 6, 2019.


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.


Up to $120 Cashback Rewards Match:

After the first 12 months that your Cashback Rewards Checking account is open, we 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.


Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Offers may be modified or withdrawn at any time. 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 CitadelBanking.com. Fees may reduce earnings. Not available for business accounts or public funds.


Information accurate as of and subject to change without notice.


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