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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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Do points expire?

Frequently Asked Question

All card rewards have a 5 year expiration date. Rewards will expire on 12/31 of their 5th full year of life. For example, a point is earned in 2007. It's first year towards the 5 year expiration date is 2008, and will expire on 12/31/2012.


Debit card rewards will remain available for redemption until they reach the expiration date.