Payments

Citadel is just around the corner, so banking with us is always convenient! We gave several locations. Stop by any Citadel branch to make your payment. We would love to see you!

Our Branch Locator tool is built to help you find a location near you quickly and easily. Or view a list of all our locations.

Citadel’s Online & Mobile Banking is the easiest and most flexible way to pay your auto loan online. Once enrolled, you can schedule your loan payment from any financial institution or pay directly from your existing Citadel account.

Existing account holders:

• As an existing Citadel account holder, making your loan payment is simple and easy! Just select the loan you would like to pay and click 'make a payment'
• Choose your 'From' account in the drop down menu
• Then select your loan account in the 'To' field. Use the drop down to choose the payment type you would like to make. Available Payment Types vary by loan. You may edit the payment amount, however, the amount may not be less than the minimum payment due
• Click or tap 'Submit'
• You will receive a confirmation screen once the payment has been submitted

Adding and Transferring from an External Account:

Using Online & Mobile Banking, you can add your external accounts and schedule your payment to recur every month or as a one-time payment. Once your External Account is added, it will appear in your account list. Here are the steps to add your external account:

• After logging in Select 'Transfers' > 'External Accounts'
• Enter the account details for the account you are adding
• Two small micro deposits will be made into the account you have added within 2 business days. Once you receive the two micro deposits in your External Account, log back into Online Banking and go to 'Verify Your Account'
• To activate your Account, click on the link provided to view the list of your outstanding requests. You will need to know the amounts of both micro deposits to verify your External Account. You will not be able to make transfers to/from this External Account until your micro deposits have been verified

IMPORTANT: Your six-digit account number is required to enroll in Online & Mobile Banking. You can find your account number on your Billing Statement. Please note: You will need the six numbers between the first four zeroes and the last four zeroes listed in the account number displayed on the billing statement. Example: 0000-111111-0000. See example below (click to enlarge).

Need to pay bills online? Citadel offers an online payment option for your loan using another institution's debit card or eCheck. This is a great option if you need to make a payment right away. Payments are accepted and posted 7 days a week, 365 days a year and will post at approximately 9:00 p.m. every day. Make a payment now!

Please use the account number (without the leading zeros or suffix) as it appears on your Billing Statement to complete your payment: Example: 123456 

Please note: A fee applies to each of these payment methods.

Make your secure payment now!

Adding and Transferring from an External Account:

Using Online and Mobile Banking, you can add your external accounts and schedule your payment to recur every month or as a one-time payment. We've partnered with Plaid, to allow you to instantly link your external account and start making payments immediately. Here are the steps to add your external account:

• After logging in Select "Transfers" > "External Accounts".
• You will have the option to link an external account via Instant Verification or Micro Deposits if your financial institution is not listed. Simply select the option you prefer and follow the prompts to link your account(s).
• Once your external account setup is complete, you can schedule a one-time or recurring payments. 

✔ Instant account authentication (no micro deposits)
✔ Schedule automatic recurring payments each month with ACH

We offer a couple of ways to set up recurring loan payments with Citadel.

Online Banking:

Using Online Banking, you can add your external accounts and schedule your payment to recur every month or as a one time payment. Here are the steps to add your external account:

• After logging in Select 'Transfers' > 'External Accounts'.
• Select the Financial institution you would like to add and follow the prompts or you can add the account manually with the routing number and account number. 

Or visit in person at any Citadel branch

Adding and Transferring from an External Account:

Using Online and Mobile Banking, you can add your external accounts and schedule your payment to recur every month or as a one-time payment. We've partnered with Plaid, to allow you to instantly link your external account and start making payments immediately. Here are the steps to add your external account:

• After logging in Select "Accounts" > "Manage External Accounts".
• You will have the option to link an external account via Instant Verification through Plaid or with Micro Deposits if your financial institution is not listed. Simply select the option you prefer and follow the prompts to link your account(s).
• Once your external account setup is complete, you can schedule a one-time or recurring payments. 

IMPORTANT: Your six-digit account number is required to enroll in Online and Mobile Banking. You can find your account number on your Billing Statement. Please note: You will need the six numbers between the first four zeroes and the last four zeroes listed in the account number displayed on the billing statement. Example: 0000-111111-0000. See example below (click to enlarge).

To qualify for Skip-a-Pay, your loan must meet the following requirements:

1. All loan and deposit accounts must be in good standing. No accounts may have a negative balance, and all loans must be current at the time of the request (grace period does not apply).
2. You may not have any charge offs, bankruptcy filings, or repossession against the credit union.
3. You can skip any eligible loan one time every six months. If you have multiple loans that are eligible, each loan will be on separate cycles depending on if/when they were last skipped.
4. You are able to request to skip a payment up until 11:59 pm of the loan due date. The earliest Skip-a-Pay can be requested is after you make your payment for the month prior to the month you want to skip.

To skip a payment in Online and Mobile Banking:

• Log in to your Citadel Online Banking account or the Mobile App
• From the menu click 'Skip A Pay'. You will need to accept the Terms and Conditions before continuing.
• Select the loan you would like to skip and select the account you would like to draw the fee from, click review and submit, and you are done.

If you have multiple auto loans with different ownership you will need to utilize the switch account feature to access other loans.