This Offer Has Expired

Check out our new checking promo to see how you can earn a $200* cash bonus.

This offer has expired

Explore our new checking promo to learn how you can earn a $200* bonus!

Opening a checking account is simple.

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 signup bonus!

Learn more about our new checking offer.

Get Started

Choose the checking account that’s right for you:

Feature Cashback Rewards Checking Free Checking
1% Cash Back on Purchases Earn up to $120 every year**  N/A
Transactions at Citadel ATMs Free Free
Real-time Account Alert Free Free
Mobile Deposit & Digital Wallets Free
Free
External Transfer to/from other Financial Institutions Free
Free
Online Budgeting Tools Free
Free
Card Control Free
Free
Transactions at Non-Citadel ATMs Free

Withdrawal: $3 | Balance Inquiry: $1

Automatic Overdraft Transfers††† Free
$5
Stop Payments Free
$25
Monthly Service Charge $10, waived with $1,000 in qualifying Direct Deposit(s)†† per month** $0^

Find an ATM or Branch Near You

*Agreements and Disclosures

View *Agreements and Disclosures

*EARN $200 NEW CHECKING ACCOUNT BONUS OFFER


All Citadel Checking Accounts:


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.


††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.


†††Citadel offers several overdraft protection options, including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Please contact us to discuss the best overdraft protection options for you.


^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.


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.


*$200 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts)

Open a new Checking account and earn a $200 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 Checking bonus will be awarded. Account must be in good standing at time of incentive processing in order to receive the cash bonus. Incentive earned will be automatically deposited into your Citadel checking account. Bonuses may be reported on a 1099-INT.


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 received a checking new account bonus previously. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer and may be withdrawn or modified at any time. Offer can be withdrawn at anytime.


**Earn Up to $120 in Cashback Rewards Annually:

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.


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.


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