Direct Deposit Bonus

For a limited time, earn a $200 cash bonus when you receive a minimum of two direct deposits totaling $2,000 or more in your Citadel checking account by August 31, 2026.^*

Plus, with Citadel, your paycheck comes sooner! You'll automatically be eligible to get paid up to 2 days early¹ when you switch your direct deposit.

Setting Up Direct Deposit is Easy

You can set up or adjust your direct deposit in Online & Mobile Banking to connect to your payroll account in just minutes!

Switch Today

Not enrolled in Online & Mobile Banking yet? Sign up here and follow these steps to set up direct deposit:

• Create your login
• Select your checking account from the accounts list
• Select 'Manage Direct Deposit' and input the required information

For direct deposits from government agencies, you may be able to find more information from paying agencies here.

^* Earn a $200 cash bonus for a minimum of two qualifying direct deposit(s) totaling $2000 or more posting to your checking account by August 31, 2026. A qualifying direct deposit is defined as a recurring electronic direct deposit into your checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network.

If requirements are met, your bonus will be automatically deposited into your checking account by September 30, 2026. Account must be in good standing at the time of incentive processing. This offer is not valid for members that have already received a checking account direct deposit bonus. Limit one offer per 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.

Citadel Checking Accounts: The Annual Percentage Yield (APY) is variable and can change without notice. Information is accurate as of

Cashback Rewards Checking: Minimum Daily Balance to earn 0.05% APY is $5,000.

Star and Premiere Checking: Minimum Daily Balance to earn 0.05% APY is $5,000; Minimum Daily Balance to earn 0.10% APY is $10,000.

¹ Early Direct Deposit is a service included with your Citadel account in which Citadel makes your eligible direct deposits available up to two business days before the scheduled deposit date. Eligible direct deposits include transactions such as payroll, pension benefits, government benefits, or similar types of deposits received through the Automated Clearing House (ACH) network. The Early Direct Deposit service is dependent on when Citadel receives information about your deposit from the payer. Early availability is not guaranteed and may vary from deposit to deposit.