Free and Secure

Citadel offers a free checking account that offers benefits and features that make banking easier and more secure.

Free Checking Account

Citadel offers a Free Checking account with benefits and features that make banking easier, safer, and more rewarding.

To open a checking account online for free with no deposit, all you need is 5-10 minutes. Before you begin, gather your information. You will need this information for both primary and joint applicants:

  • Social Security Number
  • Government-issued ID
  • Date of Birth
  • Email Address
  • Home Address
  • Phone Number

Once you have gathered all of the above information, you're on your way to opening a Free checking account online with Citadel. If you still have questions, don't hesitate to contact a Citadel representative today.

Additional Features

  • Contactless Debit Cardwith all Mastercard benefits. Use it at ATMs and everywhere Mastercard is accepted.
  • Control your cards with Card Control.
  • ATM Access – Enjoy no fees or surcharges at branches and with 38 Citadel-branded ATMs in select retail locations. In addition, enjoy access to surcharge-free networks across the country. Find a branch or ATM.
  • Online and Mobile Banking with Mobile Deposit – Manage your accounts, set alerts, transfer money, pay bills, and more.
  • eStatements – Save money by choosing secure electronic delivery. View statements any time, from any device.
  • Direct Deposit – Get your funds quickly with automatic deposit into your account.
  • Overdraft Protection – Enjoy overdraft protection from a Citadel savings or loan account.**
  • To review all of the product features, check out our Product Guide.
Best For...
Hassle free banking with minimal fees
24/7 access with Online and Mobile Banking
Enjoy on-the-go banking with mobile deposit

Open a free checking account online today!

Get Started



Each balance inquiry at non-Citadel ATMs


Each ATM withdrawal at non-Citadel ATMs3


Paper account statement fee (excludes ages under 21 and age 70 years of age and older)


Each overdraft transfer from your savings or loan account2


Monthly inactivity fee1


Courtesy Pay overdraft protection fee2


Non-sufficient funds (NSF) fee

Take our quick checking quiz below to find out which account is right for you!

Not sure which account is right for you?

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  • Citadel is committed to helping you protect your hard-earned money.

  • All Citadel deposits are federally insured up to $250,000 per member by the National Credit Union Administration, an agency of the United States government.

  • Communicate with us securely through our Online Banking secure messaging system.

  • Your Citadel Debit Mastercard carries EMV chip technology for greater protection against unauthorized use.

  • Automated fraud alerts can notify you about possible fraudulent activity on your account.

open a checking account online for free with no deposit

Find an ATM or Branch Near You

Frequently Asked Questions

Still have questions? Visit our help center.

*Free Checking Account Disclosures

View *Free Checking Account Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).

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

**Important Information about Overdrafts and Overdraft Fees:


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 potential embarrassment and 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
  • Courtesy Pay


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. To learn more, please ask a Citadel Representative. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.


This notice refers to our Courtesy Pay program:


Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:

  • Checks
  • ACH withdrawals
  • Bill Payer payments
  • Recurring debit card transactions (e.g., monthly payments debited from your account)


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:


You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.


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 overdrafting 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.

***Monthly Inactivity:

A $5.00 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. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account in which case a $5 inactivity fee will be applied to each checking, savings, and money market account, if the combined balance of all deposit accounts is less than $500.

Federally Insured by NCUA.