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Customer Support Routing Number: 231380104

Bank +
Citadel Banking and Credit Cards
Better Than Free Checking!

Whether you like to earn cash back or enjoy no minimum balance, we’ve got you covered. Compare our checking accounts and choose the one that’s right for you.

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Save +
Savings Accounts
Real Life. Real Savings.

Start earning more with Citadel’s High Yield Savings Account. Enjoy a competitive, variable rate of 0.60% APY.

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Borrow +
Borrow Low Interest Loans
Rewards for Your Business

Earn 2 points for every $1 spent on gas and office supplies, and 1.5 points for every $1 spent on anything else. Plus, get 30,000 bonus points.

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Invest +
Invest at Citadel, Available Through CUSO Financial Services, L.P. (CFS*)
Plan For Your Future

Our team of advisors can help you build a personalized retirement, so you can feel prepared for your financial future. Investments available through CUSO Financial Services, LP (Member FINRA/SIPC)

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Insure +
Insurance Plans From Citadel
Card Control

Turn your cards on/off, set spending limits, and manage location settings with Citadel Card Control.

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Learn & Plan +
Learn & Plan
Refer Your Friends to Citadel for Cash!

You can earn $50 for each person you refer.

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Payments +
Make a Payment
Receive Alerts as Activity Occurs

Citadel Account Alerts are the perfect tool to help you manage your account and give you peace of mind.

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Customer Support Make a Payment Routing Number: 231380104

How is interest on credit cards calculated?

Frequently Asked Question

To calculate the interest on credit cards, divide your APR by 365. Then multiply the balance by this number to determine interest charges.