Welcome! You’ve Been Invited to Join Citadel Credit Union.

Get $50 for you and $50 for your friend when you register and open a new Citadel Checking Account1.

Citadel Refer-a-Friend Registration for New Members

Refer-a-Friend Checking Offer

You’re invited to open a new checking account. By registering and opening a new checking account, you can earn $50 for you and $50 for the person who referred you.

How It Works:

1. Register Online

Simply fill out the form below to complete your Refer-a-Friend registration.


2. Open & Qualify

Open a new Cashback Rewards Checking or Free Checking Account and complete the offer qualifications below.

3. Get Rewarded

You and your friend can each earn $50 when you open a new, qualified checking account using your personal referral link. Refer more friends and earn up to $5002 per year.

Qualifications & Offer Requirements

Get a $50 Visa Reward Card when you register, open a new Citadel checking account, keep the account open and in good standing for at least 30 days, and meet the following requirements within 60 days of account opening:

  • Completes one (1) or more direct deposits3 totaling a minimum of $250, OR
  • Completes ten (10) or more debit card purchases (excluding ATM transactions)

Please allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements4.

Continue Earning

You can earn even more when you refer your friends to Citadel Credit Union. After you’ve completed the steps outlined above, you can continue to earn rewards when your friends open and use a new Citadel Checking Account.

Not sure which checking account is right for you? Take our quiz!

Get Started

New to Citadel? Get to know us.

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Hear From Our Members

*Agreements and Disclosures

View *Agreements and Disclosures

1 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 completes the other requirements within the time specified in the offer. Only one Referral Reward Card will be issued for a qualifying Referred Person. 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 but will be eligible for additional Reward Cards as a Referrer, subject to the limit of ten (10) per calendar year.

2 A Referrer may receive up to ten (10) $50 Reward Cards ($500 total value) for qualifying referrals 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.

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 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 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.