Checking Accounts

A free checking account that's actually free.

At a time when many banks keep raising their fees, Citadel still offers totally free checking. Interest checking accounts are also available with higher rates for higher balances.

Requirements FREE
Checking
STAR
Checking
STAR Premiere
Checking
Checking Account Balance
OR
Combined Household Balance
$0 $500 $5,000
$0 $10,000 $25,000
Monthly Fee if Balance Requirement is not met Free $7 $17
Features FREE
Checking
STAR
Checking
STAR Premiere
Checking
Earns Interest yes yes
Free Online Banking yes yes yes
Free Mobile Banking yes yes yes
Rewards Points yes yes yes
Federally Insured yes yes yes
Courtesy Pay yes yes yes
Free Overdraft Transfers $5/each  yes
3 Free
yes
Free
Free Standard Checks     yes
ATM Transactions FREE
Checking
STAR
Checking
STAR Premiere
Checking
ATM Transactions at Citadel ATMs Free Free Free
ATM Withdrawals at non-Citadel ATMs $2 Free Free
ATM Balance Inquiry Fee at non-Citadel ATMs $1 $1 $1