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Business Checking Built for Work

Choose from our Elite Business Checking or Essential Business Checking account to find what works.

Choose What Works

Citadel’s Business Checking accounts were built to empower your growing business to reach the next level. Choose from Essential Business Checking with no monthly fee or minimum balance, or upgrade to Elite Business Checking that earns dividends and offers optional savings sweeps.

One you get set up, you can streamline payments and keep track of everything with our Cash Management Solutions.

  • 24/7 Online & Mobile Banking
  • ACH Origination
  • Wire Transfers
  • Remote Deposit Capture
  • Payroll & HR
  • Merchant Services

Our team of specialized experts can help you find exactly what you need to exceed your goals and build a meaningful, lasting partnership.

Compare Business Checking Accounts

Elite Business Checking

Elite Business Checking

More transactions per month so you can get more done

•  Up to 500 free transactions per month2

•  Multiple ways to waive the $15 monthly fee3

checkmark iconEarns Dividends

checkmark iconOptional savings sweeps1

•  50% discount on first order of checks

checkmark icon Free Debit Card

checkmark icon Free Transactions at Citadel ATMs

checkmark icon No Foreign ATM Fees from Citadel4

 Read Full Disclosure
Essential Business Checking

Essential Business Checking

Designed to help your business build financial strength

•  Up to 200 free transactions per month2

•  No monthly fee or balance requirement

null iconEarns Dividends

null iconOptional savings sweeps

•  25% discount on first order of checks

checkmark icon Free Debit Card

checkmark icon Free Transactions at Citadel ATMs

checkmark icon No Foreign ATM Fees from Citadel4

 Read Full Disclosure

Ready to get started?

To get started and open an account, fill out the form below and a member of our Business Banking team will be in touch soon.

By providing your information below, you consent to our contact policy. Disclaimer: By providing your contact information, you consent to receiving calls and/or text (“SMS”) messages from us including those made by use of an automatic telephone dialing system (“ATDS”) about our relevant content, products and services. Standard messaging & data rates apply.

Citadel Credit Union Business Checking Accounts: All standard account requirements apply. Information accurate as and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Fees may reduce earnings.

Free Transactions: Transactions are defined as any checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits. Elite Business Checking: First 500 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction. Essential Business Checking: First 200 transactions each statement cycle are free. Any transaction thereafter incurs a $0.25 fee per transaction.

2 Savings Sweeps: Only available with an Elite Business Checking Account. Checking account must be connected to a Business High Yield Savings account or a Business Money Market account and maintain a minimum balance of $10,000 in the Elite Business Checking account.

3 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.

4 Elite Business Checking Account monthly service fee is $15 per month. Fee is waived for 90 days from the account open date. Avoid the $15 monthly service fee by meeting one of the following requirements each statement cycle: Average daily checking balance is $5,000 or more; $25,000 combined average daily balance in deposits and month end investment balances; and/or Merchant Services Enrollment with at least one merchant services deposit per month.

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