Get a $3001 Cash Bonus With a New Citadel Checking Account!

Use promo code SEPT2230015. Additional Terms Apply.

Use Promo Code SEPT2230015 to be Eligible for Your $300 Bonus

It's easy to get your $300! Here's how:

  1. Qualifying direct deposit(s) totaling $500 or more to your new checking account within 60 days of account opening2
  2. Account must be open for 60 days before your checking bonus will be deposited
  3. Offer limited to new checking customers only

Plus, earn even more with a Cashback Rewards Checking Account! Continue to earn up to $120 in cash back every year!3

Let’s Get Started

What You'll Need:

You will be asked for some personal information for both primary and any joint applicants. It is recommended that you have the following documents ready before getting started.

  • Social Security Number
  • Email Address
  • Government-issued ID
  • Date of Birth
  • Home Address
  • Phone Number

Open a Citadel Checking Account with Promo Code SEPT2230015

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 year3  N/A
Transactions at Citadel ATMs Free Free
Real-time Account Alerts 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 Free4

Withdrawal: $3 | Balance Inquiry: $1

Automatic Overdraft Transfers5 Free
$5
Stop Payments Free
$25
Monthly Service Charge $10, waived with $1,000 in qualifying Direct Deposit(s) per month6 $07

Find an ATM or Branch Near You

Agreements and Disclosures

View Agreements and Disclosures

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 Offers may be modified or withdrawn at any time.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.

$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 November 8, 2022, and may be modified or withdrawn at any time.

A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, government benefits, or other regular monthly income.

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.

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.

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.

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.

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.