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COVID-19: All Branch Lobbies Are Closed, Drive-Up Access is Open

As of November 25, our branch lobbies are closed at all locations due to recent spikes in COVID-19. Our drive-up access remains open.  For more information, visit CitadelBanking.com/COVID19.

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How do I use Microsoft Pay?

Frequently Asked Question

Microsoft Pay can be used to make in-store payments at most merchants equipped with NFC contactless payment terminals.


  • To make an in-store payment, simply hold your eligible Windows phone near the contactless payment terminal to wake up Microsoft Pay and enter your PIN to unlock the device.
  • The card you selected as your default will be displayed on-screen.
  • When you are ready to make a payment, simply hold your unlocked phone near the contactless payment terminal.
  • A confirmation message on the payment terminal will let you know your purchase was successful.