Find the Account That's Built for You
We've got two different checking accounts, so you can choose the one that's right for you. Both are simple, secure, and easy to open online. Right now, you'll also get a $300 cash bonus1 with your new account when you use promo code BONUSTTD2023.
Compare Checking Accounts:
|Feature||Cashback Rewards Checking||Free Checking|
|1% Cash Back on Purchases||Yes, earn up to $120 every year3||No|
|Monthly Service Charge||$10, waived with $1,000 in qualifying Direct Deposit(s) per month4||$05
|Transactions at Non-Citadel ATMs||Free6
Withdrawal: $3 | Balance Inquiry: $1
|Automatic Overdraft Transfers7||Free
|Online and Mobile Banking Tools||Free||Free
Here's how to get your $300 bonus:
Ready to open an account?Open Now
Why Choose Citadel?
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:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
All standard account requirements apply. Information accurate as of , and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.
1 $300 New Account Cash Bonus (Cashback Rewards and Free Checking Account): Open a new checking account and earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income. Checking account must be open for 60 days before $300 checking bonus will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at time of incentive processing.
Promotional code must be applied at the time of account opening to receive the incentive offer(s), given all requirements above are met. Checking account must be open for 60 days before checking bonus(es) will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at time of incentive processing. Cash bonus is subject to all applicable taxes and are the responsibility of the member. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.
New account cash bonus offer available to qualified new checking customers only. Customer must not have closed a Citadel checking account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer. Offer not available for business accounts. New account cash bonus offer expires December 31, 2023, and may be modified or withdrawn at any time.
2 A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, government benefits, or other regular monthly income.
3 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 CitadelBanking.com/CashbackChecking.
4 Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking: To 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.
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.
6 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/atm.
7 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.