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.

Choose from either our Free Checking or Cashback Rewards Checking account and use promo code SEPT2435015. Once you make qualifying direct deposits² totaling $2,000 or more and your account has been open for 90 days, your bonus will be deposited!¹

Both accounts come with free Online & Mobile Banking, so you can check your balance and credit score, deposit checks, transfer funds, set custom alerts, and more.

Here's how to get your $350 bonus:

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 Offers may be modified or withdrawn at any time.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 $350 New Account Cash Bonus (Cashback Rewards and Free Checking Account): Open a new checking account and earn a $350 cash bonus deposit for qualifying direct deposit(s) totaling $2000 or more posting to the new checking account within 90 days of account opening.

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 90 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 New account cash bonus offer expires December 31, 2024, and may be modified or withdrawn at any time.

Cashback Rewards Checking Account may earn as high as 0.05% Annual Percentage Yield (APY). APY is variable and may change after account opening. Minimum daily balance to earn APY is $5,000.

² A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, government benefits, or other regular monthly income made through the Automated Clearing House (ACH) network.