Important Disclosures & Information
1 $400 New Account Cash Bonus (Ultimate Growth Checking
Account):
Open a new checking account and earn up to $400 in cash bonuses. Earn
a $200 cash bonus deposit for qualifying direct deposit(s) totaling
$2,000 or more posting to the new checking account within 90 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 made through the Automated Clearing House (ACH) network.
After meeting the direct deposit requirement, earn an
additional $200 cash bonus by maintaining a daily balance of $5,000 or
more in your new checking account during days 61 – 90 after account
opening.
Promotional code must be applied at the time of
account opening to receive the incentive offer(s). Once you meet the
offer requirements, and your checking account has been open for 90
days, your bonus(es) will be paid within 10 business days. Bonus
deposit(s) will be automatically deposited into your Citadel checking
account if the account is in good standing at the time of incentive
processing. The value of this bonus will be reported to the IRS and
the recipient is responsible for any federal, state, or local taxes.
New account cash bonus offer is 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 member. Offer not
available for business accounts. New account cash bonus offer expires
August 31, 2025 and may be modified or withdrawn at any time.
2 Ultimate Growth Checking: Annual Percentage Yield
(APY) is variable and can change without notice. APY is determined by
Tier. Tier 1 – No Dividends paid; Tier 2 Minimum 3-Month Average Daily
Balance of $5,000 to earn 0.05% APY; Tier 3 Minimum 3-Month Average
Daily Balance of $10,000 to earn 0.10% APY; Tier 4 Minimum 3-Month
Average Daily Balance of $20,000 to earn 0.15% APY; Tier 5 Minimum
3-Month Average Daily Balance of $40,000 to earn 0.20% APY. No
maintenance or monthly service fees apply. Other fees may apply
including an inactivity fee, ATM fee, overdraft fee and other account
related fees. Fees that can be waived or refunded are listed in each
Tier. For full list of fees visit
Citadel Banking.com/Fees.
3 Early Direct Deposit is a service included with
your Citadel account in which Citadel makes your eligible direct
deposits available up to two business days before the scheduled
deposit date. Eligible direct deposits include transactions such as
payroll, pension benefits, government benefits, or similar types of
deposits received through the Automated Clearing House (ACH) network.
The Early Direct Deposit service is dependent on when Citadel receives
information about your deposit from the payer. Early availability is
not guaranteed and may vary from deposit to deposit.
4 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.
All standard account requirements apply. Information
accurate as of February 3, 2025, and subject to change without notice.
Offers may be modified or withdrawn at any time. Fees may reduce
earnings.
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