Ultimate Growth Checking + Cash Rewards Credit Card: The Perfect Combo for Students

Start Strong With This Iconic Duo & Earn Up to $100^*

Citadel’s free Ultimate Growth Checking Account and Cash Rewards credit card make a dream team like no other. It’s a perfect student checking account & low rate credit card combo.

Limited Time $100 Bonus^*

Earn an extra bonus of up to $100^* when you open an Ultimate Growth Checking Account and Cash Rewards Mastercard^® with promo code STUDENTPM625

Here’s how to do it:

Start with checking

1. Open a new Ultimate Growth Checking Account in a branch or online with promo code STUDENTPM625
2. Make 10 transactions in the first 60 days of opening your account
3. We’ll give you a $75 bonus!^*

Then, add a credit card:

1. Apply for our Cash Rewards Mastercard^® online or in a branch
2. Make at least one purchase in the first 60 days of opening your card
3. We’ll give you another $25 bonus!^*

Manage It All in Online & Mobile Banking

In addition to checking your balance and transaction history, we make it easy to add your card to mobile wallets and keep track of it all in our app:

 

Instant card issuance

 

Card controls & custom alerts

 

Free credit score tracking

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 Offers may be modified or withdrawn at any time.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 The Reward Tier can be adjusted monthly and is determined by the combined three-month average daily balance of all Ultimate Growth Checking accounts on the same unique account number. At the beginning of each month, we will add the average daily balance of the previous three months and divide that figure by three. For new accounts with no existing Ultimate Growth Checking account, the reward tier from account opening to the end of the first calendar month is Tier 1; the reward tier for the second month is determined by the average daily balance for the first month; the reward tier for the third month is determined by adding the average daily balance for the first month and the second month and dividing by two. See the Membership Agreement and Disclosures for details on the compounding and crediting of interest.

² Cash Rewards Mastercard: Cash Back Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn cash back rewards.

* $100 New Account Cash Bonus: Earn a $75 cash bonus when you open a new Ultimate Growth Checking and complete at least 10 qualifying transactions in the first 60 days after account opening. Qualifying transactions include: debit card purchases, mobile deposits, or ACH credits.

Earn an additional $25 Bonus by completing the requirements above and opening a new Citadel credit card and completing one purchase within the first 60 days after opening your new Ultimate Growth Checking.

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 60 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 December 31, 2025 and may be modified or withdrawn at any time.

Ultimate Growth Checking: 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.