Get a $300 Bonus* With a Checking Account Built for You

Choose from two great checking options. Use promo code: MAR3005-B. Restrictions apply.

Choose the Checking Account for You

At Citadel Credit Union, we want you to know that we’re so much more than just your auto loan provider. Our goal is to help you build financial strength, and now, more than ever, we appreciate you being a loyal member. That’s why we’re offering a $300 bonus when you open any new checking account. Simply select the checking account that’s right for you and use promo code MAR3005-Bor make an appointment to open an account using the form below.

As a current member, it’s easy to open a checking account in Online Banking! Simply select 'Open an Account' from the 'Accounts' menu. Don't forget to use promo code MAR3005-BOpen now! Not currently enrolled in Online Banking? No problem! Enroll now.

Please note: our current $300 checking offer is limited to new checking customers only.

open a checking account with citadel credit union 

It's easy to get your $300! Here's how:

  1. Open ANY Citadel Checking Account using promo code: MAR3005-B.
  2. Set up a qualifying direct deposit.†† Once the requirements are met, you will receive a direct deposit into your checking account.

Plus, earn even more with a Cashback Rewards Checking Account! Continue to earn up to $120 in cash back every year!**

Please note: If you have opened your account as part of a promotion, you can check the status and progress of any current or past promotional programs in Online and Mobile Banking. Simply choose 'Checking Rewards' from the Accounts menu, then select the 'Promotions' tab to review.

Choose the Checking Account That's Right for You:

open a citadel credit union checking account

Not sure which account is right for you?

Take the quiz

With either of Citadel’s checking accounts, daily banking is easy and convenient with our digital tools:

  • clipboard check, featureAccount Alerts for fraud, spending limits, and more
  • clipboard check, featureInstant control of your cards with Card Control
  • clipboard check, featureOnline Bill Pay
  • clipboard check, featureCitadel Mobile App with Mobile Deposit
  • clipboard check, featureConvenient monthly eStatements
  • clipboard check, featureFree budgeting and personal finance tools through Money Manager

Open a checking account today! Use promo code: MAR3005-B

Get Started

Find an ATM or Branch Near You

Easily make an appointment with our team!

In an effort to keep everyone safely socially distanced, we encourage you to make an appointment with our team. Please complete this form to request an in-person or phone appointment to open a checking account.

*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

††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.

*$300 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts)

Open a new checking account and earn a $300 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. Bonus deposit(s) will be automatically deposited into your Citadel Checking Account if the account is in good standing at time of incentive processing. 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 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 April 10, 2021 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

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