This Offer Has Expired

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

This Offer Has Expired

We're sorry, but this offer has expired. Check out the chart below or our Checking Account compare page to learn which checking account is right for you.

Choose the checking account that’s right for you:

Feature Cashback Rewards Checking FREE Checking
1% Cash Back on Purchases Earn up to $120 every year**  N/A
Transactions at Citadel ATMs Free Free
Real-time Account Alerts Free Free
Mobile Deposit & Digital Wallets Free
Free
External Transfer to/from other Financial Institutions Free
Free
Online Budgeting Tools Free
Free
Card Control Free
Free
Transactions at Non-Citadel ATMs Free

Withdrawal: $3 | Balance Inquiry: $1

Automatic Overdraft Transfers††† Free
$5
Stop Payments Free
$25
Monthly Service Charge $10, waived with $1,000 in qualifying Direct Deposit(s)†† per month** $0


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*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 Offers may be modified or withdrawn at any time.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.


*Earn Up to $330 Lancaster ValPak Bonus Offer


Up to $210 New Account Cash Bonuses (Cashback Rewards and Free Checking Accounts)

Open a qualifying new Checking account at Citadel’s Granite Run or Rohrerstown Road offices with an opening deposit of $100 or more and receive a $100 sign-up bonus deposit. Sign-up bonus deposit will be posted to qualified accounts at time of account opening. 


To receive an additional $110 bonus deposit, qualifying direct deposit(s) totaling $500 or more must post 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 claim the additional $110 bonus deposit, customer must contact Citadel by calling 1-800-666-0191 or visiting the branch after completing the requirements. $110 bonus deposit must be requested within 60 days of meeting the promotion requirements. Checking account must be open for 60 days before $110 bonus is awarded. $110 bonus will be awarded after 60 days, once Citadel confirms the requirements have been met. 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. 


Up to $210 New Account Cash Bonus Offers 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 sign-up bonus previously. Limit one per household per lifetime. Offer valid at Citadel’s Lancaster – Granite Run and Lancaster – Rohrerstown Road offices only and may not be combined with any other offer. New Account Cash Bonus Offers expire December 14, 2019. These limited time offers may be withdrawn or modified 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) 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.


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