This Offer Has Expired

We’re sorry, but our $400 checking offer has expired. Please call (800) 666-0191 with any questions.

This Welcome Bonus Offer Has Expired

Simply choose the right checking account for you and get a $300 Bonus,* plus another $100 Bonus for opening and using any new Citadel credit card.*

checking account

Free Checking:

No minimum balance or monthly fee. Seriously. Just a $300 Welcome Bonus for opening a new account with a qualifying direct deposit.* Open now!

Cashback Rewards Checking:

Get paid on everyday purchases and start off with a $300 Bonus.* With 1% cash back on purchases, earn up to $120 each year with a qualifying direct deposit and debit and/or credit purchases.** Plus, enjoy no ATM fees.+ Open now!

Plus, get another $100 for opening and using ANY new Citadel credit card!*

Compare our Checking Accounts:

open a checking account

Open a checking account today!

Get Started

The Banking Tools You Need

  • checking accountBank on-the-go with our mobile app
  • checking accountBank stress-free with overdraft protection
  • checking accountEnjoy convenient branches
  • checking accountSave time with online banking

It's easy to claim your Welcome Bonus!

  • Open your new Checking Account (and credit card for another $100 bonus).*
  • Meet the direct deposit requirement within 60 days of account opening.*
  • Once the requirements are met, contact us to claim your bonus. Call us at (800) 666-0191, chat online, or visit any Citadel branch.

Not sure which checking account makes sense for you?

Take Our Quiz

*Agreements and Disclosures

View *Agreements and Disclosures

All Citadel Checking Accounts:


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.


††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.


†††Citadel offers several overdraft protection options, including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Please contact us to discuss the best overdraft protection options for you.


^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.


*Up to $400 New Account Cash Bonuses (Cashback Rewards and Free Checking Accounts)


Open a new Checking account and earn a $300 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.


To earn an additional $100 cash bonus, Checking Cash Bonus offer requirements must be met, and customer must open a Citadel credit card with a limit of at least $1,000 within 60 days of Checking account opening in same account as Checking and must complete at least one credit card purchase per statement cycle for the first three Credit Card statement cycles.


To claim the Cash Bonus deposit(s), customer must contact Citadel by calling 1-800-666-0191 or visiting the branch after completing the requirements. Bonus deposit(s) must be requested within 60 days of meeting the bonus offer requirements. Checking account must be open for 60 days before Checking bonus will be awarded. Credit Card must be open for three full statement cycles before Credit Card bonus will be awarded. Bonus deposit(s) will be awarded after Citadel confirms the requirements have been met and account has been open for at least 60 days for Checking and at least three statement cycles for Credit Card bonus(es). Account must be in good standing at time of incentive processing in order to receive the bonus. Bonuses may be reported on a 1099-INT.


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 received a checking new account bonus previously. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer. New Account Cash Bonus Offer expires March 16, 2020 and may be modified or withdrawn at any time.


**Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking:

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.


Earn Up to $120 in Cashback Rewards Annually:

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.


© Citadel. All rights reserved. Federally Insured by NCUA.