Citadel Skip-a-Pay FAQs
Skip-a-Pay Frequently Asked Questions
Review our frequently asked questions below to get quick answers and tips on using Citadel's new Skip-a-Pay in Online and Mobile Banking.
Frequently Asked Questions
To skip a payment in Online and Mobile Banking:
- Log in to your Citadel Online Banking account or the Mobile App
- From the 3 dot menu in desktop or from the ‘More’ section of the menu in mobile '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.
To qualify for Skip-a-Pay, your loan must meet the following requirements:
- 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).
- You may not have any charge offs, bankruptcy filings, or repossession against the credit union.
- 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.
- 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.
Please allow 24 hours for your due date to be reflected in Online & Mobile Banking. Your due date will advance one month.
Still have questions? Learn More about Skip-a-Pay.