Citadel's Ultimate Growth Checking account offers up to $500 for new members. You get $300 for setting up $2,000 or more in direct deposits within 90 days, plus an extra $200 for keeping a $5,000 balance during days 61 to 90.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Citadel Credit Union Ultimate Growth Checking bonus
- Open a new Ultimate Growth Checking account online with the promotional code applied.
- Set up direct deposit(s) totaling $2,000 or more posting within 90 days of account opening to earn a $300 bonus.
- Maintain a daily balance of $5,000 or more during days 61-90 to earn an additional $200 bonus.
- Keep the account open and in good standing for 90 days.
- Receive the bonus deposit within 10 business days after meeting requirements.
The fine print that matters
- Promotional code must be applied at account opening to receive the bonus.
- Bonus is reported to the IRS and recipient is responsible for taxes.
- Offer limited to new checking customers who have not closed a Citadel checking account in the last 12 months or previously received a checking new account bonus.
- Limit one offer per member; not available for business accounts.
- Offer expires September 30, 2026 and may be modified or withdrawn at any time.
Verification and reports
Confirmed against citadelbanking.com on Jul 20, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: citadelbanking.com offer page (checked Jul 20, 2026)
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