Frequently Asked Questions

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 issues monthly billing notices for loans. The billing notice has a coupon you can use for mail payments. Visit our Payments page for more details. 

Citadel’s Online and 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 ‘Loan Payment' from the ‘Payments’ main menu.
• Recurring Payments can also be scheduled using the ‘Transfer Funds’, from our ‘Transactions’ menu.

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).

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 "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. 

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

Set Up Automatic Payments

Set up automatic payments with Online Banking and the Citadel Mobile App. Easily manage your loan(s) 24/7 from anywhere. Enroll now!

Plus, with Plaid integration, connecting your deposit account is seamless:

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

Citadel’s Online and 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 ‘Loan Payment' from the ‘Payments’ main menu.
• Recurring Payments can also be scheduled using the ‘Transfer Funds’, from our ‘Transactions’ menu.

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).

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:

1. Log in to your Citadel Online Banking account or the Mobile App
2. Click the “Loans” tab
3. Select the “Skip-a-Pay” option

Any eligible auto or personal loan will appear. It’s that easy!