Replace 9/17/25: Bonus now $500. 

Replace 2/9/25: Deal is now $400.

Replace 1/12/25: Deal is again till January 31, 2025

Replace 9/9/24: Bonus now $350, however requires $2,000 in direct deposits.

4/20/24: Deal is again till December 31, 2024

Provide at a look

• Most bonus quantity: $400
• Availability: Should reside, work, worship, or research in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the town of Lancaster, PA or if  a member of your loved ones or family is already a buyer, regardless of the place you reside.
• Direct deposit required: $500+
• Further necessities: See beneath
• Exhausting/delicate pull: Tender
• ChexSystems: Unknown, delicate
• Bank card funding: As much as $500
• Month-to-month charges: None
• Early account termination payment:
• Family restrict: One per lifetime
• Expiration date: July twenty first, 2018 September fifteenth, 2018 None listed March sixteenth, 2020 January 8, 2022

The Provide

Direct hyperlink to supply

• Citadel Financial institution is providing a bonus of as much as $500 while you open a brand new checking. Bonus is damaged down as follows:
  • Earn a $300 money bonus deposit for qualifying direct deposit(s) totaling $2,000 or extra posting to the brand new checking account inside 90 days of account opening. A qualifying direct deposit is outlined as a recurring digital deposit into checking account of payroll, pension, Social Safety, authorities advantages, or different eligible common month-to-month revenue made by means of the Automated Clearing Home (ACH) community. 
  • After assembly the direct deposit requirement, earn an extra $200 money bonus by sustaining a day by day stability of $5,000 or extra in your new checking account throughout days 61 – 90 after account opening

The Superb Print

• All customary account necessities apply.
• The Money Bonus provide might not be mixed with every other provide. Provide obtainable to new checking clients solely.
• Buyer should not have closed a Citadel checking account inside the final 12 months and/or acquired a checking sign-up bonus or award beforehand.
• Restrict one provide per family per lifetime.
• To qualify for $300 Money Bonus, a direct deposit of $500 or extra should submit to new checking account inside 60 days of account opening. Direct deposit transactions are restricted to payroll, social safety, and authorities advantages.
• For the extra $100 Money Bonus, checking Money Bonus provide necessities should be met, and buyer should open any Citadel bank card with a restrict of a minimum of $1,000 and/or open a Citadel Excessive Yield Financial savings account.
• Minimal stability required to open Citadel Excessive Yield Financial savings – $10,000.
• Minimal stability should be maintained within the Excessive Yield Financial savings account for a minimum of 30 days after account opening as a way to obtain the extra $100 bonus.
• Restrict one further $100 Money Bonus per account.
• To obtain Money Bonus(es), buyer should contact Citadel by calling (877) 780-1615 or visiting a department after finishing necessities for every bonus.
• Checking account should be open for 60 days earlier than Money Bonus is awarded.
• Money Bonus might be awarded after sixty days, as soon as Citadel confirms the necessities have been met.
• Account should be in good standing at time of incentive processing as a way to obtain Money Bonus.
• Money Bonus should be requested inside 60 days of assembly the promotion necessities.
• Money bonus could also be reported on a 1099-INT.
• Provide expires July 21, 2018.
• This restricted time provide could also be withdrawn or modified at any time.

Avoiding Charges

Month-to-month Charges

They provide a free checking account with no month-to-month charges to fret about.

Early Account Termination Price

Citadel financial institution doesn’t cost any early account termination charges from what we might discover.

Our Verdict

Opening a bank card will virtually actually end in a tough pull, in order that isn’t price doing. The excessive yield financial savings account earns 1.5% APY, so it isn’t price conserving long run nevertheless it would possibly make sense to open and maintain funds in there for 30 days to set off the $100 bonus. Beforehand that they had a $250 checking bonus with no direct deposit requirement. Personally I’d take $50 much less to not need to cope with the direct deposit requirement, however no gaurantees that bonus comes again and a few individuals would possibly choose the additional $50. I do assume that is price doing for those who reside in an eligible space, so I’ll be including this to our record of the greatest checking bonuses.

Large thanks to reader, Z Nut who tell us. Discover ways to discover bonuses and contribute to the positioning right here.

Helpful posts concerning financial institution bonuses:

Submit historical past:

• Replace 2/3/24: Deal is again however $300 this time. Legitimate till JAN243008. Legitimate till March 12, 2024
• Replace 6/28/23: New hyperlink for $325.
• Replace 3/15/23: Prolonged till December 31, 2023
• Replace 1/12/23: Prolonged till March 14, 2023. 
• Replace 4/17/22: Deal is again and legitimate till December 31, 2022. Hat tip to alopez14
• Replace 1/13/22: Deal is again and legitimate till March 31, 2022. Hat tip to reader Jim
• Replace 11/14/21: Deal is again and legitimate till 1/8/22.
• Replace 2/2/20: Deal is again, however this time the $100 financial savings bonus not obtainable.
• Replace 09/16/18: So far as I can see, there is no such thing as a finish date listed anymore.
• Replace 08/26/18: Deal is again and legitimate till September fifteenth, 2018. Hat tip to reader Tyler.