Refer-a-Friend

Tell your friends and family about us and you could earn rewards! Once they become a member, they'll have two ways to earn rewards for you both when they open a checking account and/or credit card with qualifying activities.² Here's how it works:

Checking Account Offer:

• When your referred friend or family member registers, becomes a new member, and opens a new checking account with qualifying activities, you'll each earn a $50 Visa^® Reward Card.²
• Qualifying activities include completing one or more direct deposits(3) totaling a minimum of $250, or completing ten or more debit card purchases excluding ATM transactions.

AND/OR:

Credit Card Offer:

• When your referred friend or family member registers, opens a new credit card, and completes 10 transactions in 60 days, you'll each earn another $50 Visa^® Reward Card.²

Please allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements.⁴

Get started in Online Banking

If you’re a current Citadel member, log in to Online Banking and select the three dots from the main menu, then select “Refer-a-Friend”. (Or, select “More” from the menu in the Citadel Mobile App.) From there, you can submit your friend's name and email address to send them a referral, and you can track your rewards along the way.

Or, refer a friend here:

When you fill out the form below, you'll receive an email from ReferLive. Then, you can share our checking offer with your friends and family.

More Ways To Refer-a-Friend

✔ Call our Referral Ambassador Hotline at (844) 618-1806
✔ Visit any branch location
✔ Download the ReferLive app direction from the App Store or Google Play.

¹ A Referrer may receive up to $500 in Reward Cards for qualifying referrals per calendar year.

² The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each qualified individual referred (Referred Person) to Citadel who is 18 years of age or older and does not have an existing or prior account relationship with Citadel, registers for the offer, opens a new checking account and/or applies for a credit card and completes the other requirements within the time specified in the offer. This is a multi-offer referral. A Referral can complete one or both of the offers available and earn a Referral Rewards cards for each upon meeting the qualifications. If multiple referrals are received for the same Referred Person, the Referrer on the first Referral received will be eligible for the Referral bonus. Referred Person Reward Card offer may not be combined with other new account offers. Each Referred Person is only eligible to receive one Reward Card bonus per lifetime for opening a qualifying new account or credit card but will be eligible for additional Reward Cards as a Referrer, subject to the limit of five (5) per calendar year.

³ A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, and deposits made at a banking location, ATM or through Online and Mobile Banking do not qualify as a direct deposit.

⁴ Rewards Cards will be issued to qualified Referrers and Referred Persons after the Referred account is open for at least 30 days. The Referred account must be open and in good standing at the time of incentive fulfillment, in order for Rewards Cards to be issued. Please allow 4-6 weeks after completion of all requirements for delivery of your Visa® Reward Card to the physical address provided in the registration form. Reward Card may be reported as income to the IRS. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state or local taxes on this offer.

Additional Program Details

The Referrer must register for the program and send a ReferLive referral invitation to the Referred Person, by email or through social media. The Referred Person must register by following the link provided in the referral email or social media invitation, and then open a new checking account and/or a credit card after receiving the email or social media offer through the official means of the program.

The offer is not available if the Referred Person already has an existing or prior account relationship with Citadel and may not be combined with any other offers. The incentive will not be issued on closed accounts. In addition, incentives will not be awarded for referrals of accounts the Referrer is, in any capacity, an owner of (primary, joint, POA, etc.). The program may be discontinued or changed at any time without notice. Citadel employees are not eligible for this program or offer. Business checking accounts and credit card are also not eligible for this offer.

The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Citadel or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system.

Visa® is a registered trademark of Visa, Inc. Visa® is not a participant or sponsor of this promotion.