Get $110* with No Balance Requirement

Enjoy worry-free checking with no minimum balance requirement or monthly service charges.

FREE Checking: Get a $110* Cash Bonus

It’s not Just Free, It’s Worry-Free

Get a $110* Cash Bonus

As a new checking account customer, you are eligible for a $110* cash bonus. In addition, with a new FREE Checking Account you'll enjoy:

  • NO minimum balance requirement
  • NO monthly service charge
  • NO online banking fees

Complete a few simple steps:

  1. Open your FREE Checking Account.
  2. Meet the direct deposit requirement within 60 days of account opening.
  3. Contact us to claim your bonus. Call us at (877) 780-1615, chat online, or visit any Citadel branch

If you call or chat with us online, please have your Account Number handy.

After these steps are completed, your cash bonus will be deposited.

*Please note: your account must be open for 60 days and in good standing to receive a bonus.

FREE Checking Account Features

  • free checking accountBoost your buying power with the Citadel Debit Mastercard®
  • free checking accountTake control of your finances with mobile banking
  • free checking accountGet faster access to your money with Direct Deposit
  • free checking accountEnjoy peace of mind, thanks to these security features

Find an ATM or Branch Near You

*Agreements and Disclosures

View *Agreements and Disclosures

*All standard account requirements apply.


The $110 Cash Bonus may not be combined with any other offer. Available to new checking customers only. Customer must not have closed a Citadel Checking account within the last 12 months and/or received a checking sign-up bonus or award previously. Limit one per household per lifetime.


To qualify for the $110 Cash Bonus, a direct deposit of $500 or more must post to new Checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security or government benefits, electronically deposited into the account.


To receive the Cash Bonus, customer must contact Citadel by calling (877) 780-1615 or visiting a branch after completing the requirements for each bonus. Checking account must be open for 60 days before Cash Bonus is awarded. Cash Bonus will be awarded after 60 days, once Citadel confirms the requirements have been met. Account must be in good standing at time of incentive processing in order to receive the Cash Bonus. The Cash Bonus must be requested within 60 days of meeting the promotion requirements. The Cash bonus may be reported on a 1099-INT. Offer expires July 6, 2019. This limited-time offer may be withdrawn or changed at any time.


Information accurate as of and subject to change. 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. Fees may reduce earnings.


Federally insured by NCUA.