Get a $3006 Cash Bonus With a New Citadel Checking Account!
Use Promo Code BONUSTTD2022 to be Eligible for Your $300 Bonus
It's easy to get your $300! Here's how:
- Qualifying direct deposit(s) totaling $500 or more to your new checking account within 60 days of account opening.4
- Account must be open for 60 days before your checking bonus will be deposited
- 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!1
Let’s Get Started
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!
Open a Citadel Checking Account with Promo Code BONUSTTD2022Get 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 year1||N/A|
|Transactions at Citadel ATMs||Free||Free
|Real-time Account Alerts||Free||Free
|Mobile Deposit & Digital Wallets||Free
|External Transfer to/from other Financial Institutions||Free
|Online Budgeting Tools||Free
|Transactions at Non-Citadel ATMs||Free2
Withdrawal: $3 | Balance Inquiry: $1
|Automatic Overdraft Transfers3||Free
|Monthly Service Charge||$10, waived with $1,000 in qualifying Direct Deposit(s)4per month1||$05
Find an ATM or Branch Near You
*Agreements and Disclosures
Federally insured by NCUA.
1 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. Limit to 5 Cashback Rewards Checking accounts per member. 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.
2 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.
3 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.
When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for over drafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800) 666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.
4 A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.
5 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.
6 $300 New Account Cash Bonus
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.
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 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. 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. New Account Cash Bonus offer expires December 31, 2022 and may be modified or withdrawn at any time.
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.