Get a $200 Bonus* With a Checking Account Built for You
Choose the Checking Account Right for You
At Citadel Credit Union, our goal is to help you build financial strength. That’s why we’re offering a $200 bonus* with any new checking account. Simply select the checking account that’s right for you and complete our brief application using promo code CIT20012. It’s fast, simple, and only takes a few minutes online.
*Account and offer requirements apply. Read Full Disclosures.
No minimum balance or monthly fee.^ Seriously. Receive a $200 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 $200 bonus.* With 1% cash back on debit and/or credit purchases, earn up to $120 each year with a qualifying direct deposit.** Open now!
It’s easy to earn your $200 Bonus when you meet these requirements:
- Qualifying direct deposit(s) totaling $500 or more to your new checking account within 60 days of account opening
- Account must be open for 60 days before your checking bonus will be deposited
- Offer limited to new checking customers only
Compare our Checking Accounts:
Not sure which checking account makes sense for you?Take Our Quiz
Open a checking account today! Use offer code: CIT20012Get Started
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We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.
*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.
*$200 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts)
Open a new checking account and earn a $200 cash 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.
Promotional code must be applied at the time of account opening to receive the incentive offer(s), given all requirements above are met. Checking account must be open for 60 days before checking bonus will be awarded. Checking bonus will be awarded once the checking account has been open for 60 days. Bonus deposit(s) will be automatically deposited into your Citadel Checking Account if the account is in good standing at 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 on this offer.
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 previously received a checking new account bonus. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer. New account cash bonus offer expires December 31, 2021 and may be modified or withdrawn at any time.
**Earn Up to $120 in Cashback Rewards Annually:
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.
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.