Citadel Credit Union Bonuses: $50, $400, Checking, Referral Promotions (PA)

Take advantage of the latest Citadel Credit Union bonuses, promotions, and offers here.

Update 2/10/25: There is currently a $400 checking bonus valid through 4/30/25.

Citadel Credit Union Bonuses Review

With Citadel Credit Union being open for about 80 years now, they are still proudly servicing customers. Additionally, they offer many great and valuable financial products and solutions to better the financial lives of their members. Citadel Credit Union offers great rates and total transparency when it comes to making a plan.

I’ll review the Citadel Credit Union Checking bonuses below.

Citadel Credit Union $400 Checking Bonus

• What you’ll get: $400 Bonus
• Eligible account: Checking
• Where it’s available: PA (Branch Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0-$10; waivable
• How to earn it:
  • Open a new Ultimate Growth Checking Account using promo code FEB2540013
  • Earn a $200 cash bonus deposit for qualifying direct deposit(s) totaling $2,000 or more posting to the new checking account within 90 days of account opening.
  • After meeting the direct deposit requirement, earn an additional $200 cash bonus by maintaining a daily balance of $5,000 or more in your new checking account during days 61 – 90 after account opening.

(Expires 04/30/2025)

Fine Print

• $400 New Account Cash Bonus (Ultimate Growth Checking Account): Open a new checking account and earn up to $400 in cash bonuses. Earn a $200 cash bonus deposit for qualifying direct deposit(s) totaling $2,000 or more posting to the new checking account within 90 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network.
• After meeting the direct deposit requirement, earn an additional $200 cash bonus by maintaining a daily balance of $5,000 or more in your new checking account during days 61 – 90 after account opening.
• Promotional code must be applied at the time of account opening to receive the incentive offer(s). Once you meet the offer requirements, and your checking account has been open for 90 days, your bonus(es) will be paid within 10 business days. Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at the time of incentive processing. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes.
• New account cash bonus offer is available to qualified new checking customers only. Customer must not have closed a Citadel checking account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per member. Offer not available for business accounts. New account cash bonus offer expires April 30, 2025 and may be modified or withdrawn at any time.

Citadel Credit Union $50 Referral Bonuses

Citadel Credit Union is offering a $50 bonus for referring your friends to opening a new checking account with them. With this promotion, you can earn up to $500 yearly!

• What you’ll get: $50 Bonus
• Eligible account: Free Checking or Cashback Rewards Checking
• Where it’s available: PA
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0-$10; waivable
• How to earn it:
  • In order to receive $50, the person you refer must register for the “Refer a Friend” program, and open a new Citadel checking account.
  • After that person’s account has been opened for 30 days, he or she must complete the following requirements within 60 days of account opening:
    • One (1) or more direct deposits totaling a minimum of $250 to a Citadel Checking Account
    • OR Ten (10) or more debit card transactions (excluding ATM withdrawals).

(Limited time offer)

Fine Print

• Account must be in good standing at time of incentive processing in order to receive the cash bonus
• Incentive earned will be automatically deposited into your Citadel checking account
• Bonuses may be reported on a 1099-INT
• New Account Cash Bonus offer available to qualified new checking customers only
• Customer must not have closed a Citadel checking account within the last 12 months and/or received a checking new account bonus previously
• Limit one offer per household per lifetime
• Offer may not be combined with any other new account offer and may be withdrawn or modified at any time.

Citadel Credit Union $1,000 Business Checking Bonus (Expired)

• What you’ll get: $1,000 Bonus
• Eligible account: Checking
• Where it’s available: PA (Branch Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • Earn a $450 cash bonus with new money deposits of funds not currently on deposit with Citadel totaling $10,000 or more within the first 60 days (internal transfers excluded) and maintain a $10,000 daily balance for the remaining 30 days after account opening.
    • OR 300 Cash Bonus: Open a new Essential Business Checking account. Earn a $300 cash bonus with new money deposits of funds not currently on deposit with Citadel totaling $2,500 or more within the first 30 days (internal transfers excluded) and complete a minimum of 10 debit card purchases within the first 90 days.
    • Once you meet these requirements, and your checking has been opened 90 days, your bonus will be paid within 10 business days.
  • After meeting these requirements, earn an additional $300 by enrolling in one of Citadel’s Cash Management Solutions; Merchant Services, Payroll Services or ACH Origination and complete your first merchant deposit or first transaction within 90 days of account opening.
  • Once you meet these requirements, and your checking account has been open 90 days, your bonus(es) will be paid within 10 business days.

(Expires 12/31/2024)

Fine Print

• Citadel Credit Union Business Checking Accounts: All standard account requirements apply. Information accurate as 12/16/2024 and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Fees may reduce earnings.
• *Earn Up to $1,000 – New Account Cash Bonus & Rebate Offer: Earn a $450 cash bonus with new money deposits of funds not currently on deposit with Citadel totaling $10,000 or more within the first 60 days (internal transfers excluded) and maintain a $10,000 daily balance for the remaining 30 days after account opening. After meeting these requirements, earn an additional $300 by enrolling in one of Citadel’s Cash Management Solutions; Merchant Services, Payroll Services or ACH Origination and complete your first merchant deposit or first transaction within 90 days of account opening. Once you meet these requirements, and your checking account has been open 90 days, your bonus(es) will be paid within 10 business days.
• Additional $250 Cash Rebate from First Data Merchant Services, LLC is applied for new qualified Citadel merchant members – Promotional offer expires December 31, 2024. This offer is available for qualified Citadel Credit Union merchant services members with an Elite Checking account who have not had a merchant services account processed by First Data Merchant Services, LLC within the last six months. New accounts are subject to standard credit approval and underwriting requirements. A $250 rebate applies to Clover devices valued more than $250. Rebate will be initiated to the merchant’s account within 60 days after the merchant’s account is activated. To be eligible for the rebate, the merchant must: (1) have a minimum processing volume of $100,000 annually; (2) must be credit approved between 6/1/2024 and 12/31/2024; (3) activate account by submitting a batch of $25 or more in sales within 30 days of approval date; and (4) sign a merchant processing agreement. Additional fees apply to certain Clover app’s software components, services and activated accounts. Only one offer per eligible business tax ID. Eligibility is at the sole discretion of First Data Merchant Services LLC. Early termination fees apply. Offer not valid with any other offer and subject to change without notice. Terms and conditions apply per the merchant processing agreement.
• $300 Cash Bonus: Open a new Essential Business Checking account. Earn a $300 cash bonus with new money deposits of funds not currently on deposit with Citadel totaling $2,500 or more within the first 30 days (internal transfers excluded) and complete a minimum of 10 debit card purchases within the first 90 days. Once you meet these requirements, and your checking has been opened 90 days, your bonus will be paid within 10 business days.
• Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at time of incentive processing. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.
• New account cash bonus offer available to qualified new business checking customers only. Customer must not have closed a Citadel Business checking account within the last 12 months and/or previously received a checking new account bonus. Limit of one business checking bonus per business. Offer may not be combined with any other new account offer. New account cash bonus offer expires December 31, 2024, and may be modified or withdrawn at any time.

How To Waive Monthly Fees

• Cashback Rewards Checking: $10 monthly fee, waived with $1,000 in qualifying Direct Deposit(s) per month
• Free Checking: None
• Business Checking Account: None
• High Yield Savings: $10 monthly fee, waived by maintaining an average daily balance of at least $10,000
• Money Market: $10 monthly fee, waived for 60 days following account opening

Conclusion

Now, when you open an eligible checking account, you’ll be able to earn this great bonus offer. Additionally, these two accounts come with their own array of neat perks as well. Not to mention, these accounts come with a soft pull, which won’t damage your credit score. However, if you don’t reside in Pennsylvania, check out other reviews below.

While these bank promotions are rather attractive, you can also take advantage of our list of Savings, Money Market, and CD rates.

• Best Savings/Money Market rates
• Best CD Account rates

However, if you do not live in Pennsylvania, definitely take a look at our bank bonuses page to find other offers. Furthermore, some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

Furthermore, feel free to comment on this post with any questions you may have about Citadel Credit Union, their accounts they offer, or any experiences you have had!

Lastly, Check back often for more Bonuses, Promotions, or Offers!