We've Got you Covered with Debit Card Courtesy Pay

Don't be denied!

Sign up for Courtesy Pay to cover your debit card transactions.

It's easy to overlook having sufficient funds in your checking account. At Citadel, we provide protection from budget miscalculations with Debit Card Courtesy Pay! Citadel's Debit Card Courtesy Pay can cover your debit card transactions if your purchases exceed your available balance so you can shop with confidence. Qualified Courtesy Pay users will not have their debit card transactions declined. There is a $33 fee for each occurrence.

For more information, please read the Courtesy Pay Disclosure below.

Overdraft protection is also available at Citadel. When your checking account does not have the available funds to cover a transaction, overdraft protection could be activated. Transfers from a Star Savings, Money Market or Personal Line of Credit account would be activated to cover any unavailable funds.

Yes, Please Enroll Me in Debit Card Courtesy Pay!

Visit a Branch, call (800)666-0191, or fill our the form below.
By clicking the submit button, I acknowledge that i would like to enroll in Debit Card Courtesy Pay*.

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*Star Checking Account Disclosures

View *Star Checking Account Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is $2,500. Fees may reduce earnings.


*Balance Requirements:

After 60 days, monthly service fee is waived if one of the following criteria is met:

• Maintain an average daily balance of $500.00 in your STAR Checking account or
• Maintain $10,000 in total combined household deposit, investment, and loan balances


**Important Information about Overdrafts and Overdraft Fees:

An overdraft occurs when you do not have enough money in your checking account to cover a transaction, but we pay it anyway. 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®, the supermarket, Home Depot®), you must opt in and give us your permission. You can opt in by:


• Completing the Opt-In Form and clicking "submit".
• Visiting any Citadel Branch Office
• 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.


***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.


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