Earn up to $350* Your First Year

Open a Cashback Rewards Checking Account and get a $110 signup bonus, up to $120 in cash back, and 100% match on your cash back for the first year.

Cashback Rewards Checking: Earn up to $350*

Opening is Easy!

Current Citadel customers can open a Cashback Rewards Checking Account in Online and Mobile Banking. Simply follow the below steps:

  • Select 'Open An Account’ from the main menu
  • Select 'Cashback Rewards Checking' from the drop-down
  • Complete the simple steps and you're done!

Not currently enrolled in Online and Mobile Banking? Enroll Now and open

Earn Cashback Your Way

With Citadel’s NEW Cashback Rewards Checking, you earn cash back the way YOU want to spend—using a debit or credit card.

Get up to $350* for your first year:

  • Receive a $110 signup bonus as a new checking customer
  • Earn up to $120 in cash back
  • Get up to another $120 as a Cashback Rewards match at the end of your first year

Then, earn up to $120 in cash back every year thereafter!

checking account

Open a Citadel Cashback Rewards Checking account today!

Log In & Open

What you'll need

You’ll only need to meet one of the following requirements to earn cash back:

  • $1,000 or more in qualifying direct deposit per month
  • $5,000 average daily balance

New Checking Account Bonus

As a new checking account customer, you are eligible for a $110 signup bonus.

Complete a few simple steps:

  1. Open your Cashback Rewards Checking Account.
  2. Meet the direct deposit requirement within 60 days of account opening.
  3. Contact us to claim your bonus. Call us at (877) 780-1615, chat online, or visit any Citadel branch

If you call or chat with us online, please have your Account Number handy.

After these steps are completed, your signup bonus will be deposited.

*Please note: your account must be open for 60 days and in good standing to receive a bonus.

Maximize your cash back with Citadel’s Cash Rewards Mastercard

Learn More

Frequently Asked Questions

What are the minimum requirements to earn Cashback Rewards on the Cashback Rewards Checking Account?
In order to earn Cashback Rewards, the Cashback Rewards Checking Account must maintain an average daily balance of $5,000 or receive qualifying direct deposits that total $1,000 or more each month. Cashback Rewards are earned on net purchases on a monthly basis, with a maximum of $10 in Cashback Rewards per month. 
How do I earn cash back on the Cashback Rewards Checking Account?
When balance or direct deposit requirements are met, you will earn 1% cash back on net purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account.  Cashback Rewards have a monthly cap of $10. 
How do I redeem my Cashback Rewards?

Available Cashback Rewards can be redeemed through Online Banking or our Mobile App. You can also call or visit CitadelBanking.com to redeem your Cashback Rewards.


When you choose to redeem, the full balance of available cash back must be redeemed and will be instantly deposited into the Cashback Rewards Checking Account. Any Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement period.


To redeem online, follow these two easy steps:

  • Select ‘Checking Rewards’ under ‘Accounts’ in the main menu OR select 'Available Rewards' from the Account Details screen.
  • Choose ‘Redeem Rewards’ and the funds are instantly deposited into your Checking Account!
What types of purchases qualify to earn cash back?
Cashback Rewards will be calculated at month end on net debit and credit card purchases (purchases minus any credits or returns) that post to your account each statement cycle. ATM withdrawals, credit card cash advances, and credit card balance transfers are not considered purchases and will not earn Cashback Rewards. A Citadel debit or credit card must be linked to your Cashback Rewards Checking Account to earn Cashback Rewards on purchases. 
What exactly does Citadel match for the first year?
After the first 12 months that your Cashback Rewards Checking Account is open, Citadel will match the Cashback Rewards you have earned since opening the account, including Cashback Rewards already redeemed and deposited. Your match will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement.
How do I switch my current Checking Account to a Cashback Rewards Checking Account?

You can convert your current Checking Account to a Cashback Rewards Checking Account through Online and Mobile Banking, by calling Citadel, or visiting us in a branch. Converting your account is easy in Online and Mobile Banking:


  1. From your account details and history, select ‘Convert Account’.
  2. Confirm your account details, and you’re done!

Your account number and card number will stay the same.

*Cashback Rewards Checking Account Disclosures

View *Cashback Rewards Checking Account Disclosures

All standard account requirements apply. 


To earn Cashback Rewards and avoid a $10 monthly service fee, one of the following criteria must be met: maintain average daily balance of $5,000 or receive monthly qualifying direct deposit(s) totaling $1,000 or more, in your Cashback Rewards Checking Account. A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other eligible regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, internet payment provider transactions, and deposits made at a banking location, ATM, or through Online and Mobile banking do not qualify as a direct deposit.


$110 Cashback Rewards Checking New Account Signup Bonus:


$110 bonus available to new checking customers only and may not be combined with any other new account offer. Customer must not have closed a Citadel checking account within the last 12 months and/or received a checking sign-up bonus or award previously. Limit one offer per household per lifetime.


To be eligible for the $110 bonus, a qualifying direct deposit, as defined above, of $500 or more must post to new checking account within 60 days of account opening. To claim the new account bonus, customer must contact Citadel by calling 1-800-666-0191 or visiting a branch after completing the requirements. The bonus must be requested within 60 days of meeting the promotion requirements. Cashback Rewards Checking account must be open for 60 days for bonus to be awarded. Bonus will be deposited to Cashback Rewards Checking Account after 60 days, once Citadel confirms the requirements have been met. The bonus may be reported on a 1099-INT. This limited-time offer may be withdrawn or changed at any time.


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. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). ATM withdrawals, credit card cash advances, and credit card balance transfers are not considered purchases and will not earn Cashback Rewards. A Citadel debit or credit card must be linked to your Cashback Rewards Checking account to earn Cashback Rewards on purchases. Each Citadel debit or credit card may only be linked to one Cashback Rewards Checking account. When Cashback Rewards Checking balance requirements are not met, Cashback Rewards will not be earned.


Full balance of available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking, Citadel’s Mobile App, or by contacting Citadel. Partial redemptions are not allowed. Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your checking account during the following statement period. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking account.


Up to $120 Cashback Rewards Match:


After the first 12 months that your Cashback Rewards Checking account is open, Citadel will match the Cashback Rewards you have earned. Your Cashback Rewards match will automatically be deposited into your Citadel Cashback Rewards Checking account during the following statement period. If your account is closed or you switch to another Citadel Checking Account prior to the end of the 12th consecutive statement period, your Cashback Rewards will not be matched.


Information accurate as of and is subject to change without notice. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Offers may be modified or withdrawn at any time. The Cashback Rewards Checking Account is not available for business accounts or public funds. Limit 5 Cashback Rewards Checking accounts per member. Fees may reduce earnings.


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