RateHerald

APY

3.32%

As of Nov 8, 2026. Rates are variable.

Citadel · Checking account

Citadel Ultimate Growth Checking

$0 a year for an everyday customer. No monthly fee. $1 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
APY
Monthly fee
To open

Offer

Bonus

$500

$2,000 in direct deposits within 90 days. About $667 a month for 3 months.

Citadel Ultimate Growth Checking · Citadel · for new customers

Ends Dec 31, 2026Meet it within 90 daysNew customers only

“Open a new Ultimate Growth Checking account online with promo code SEPT2650013 applied at account opening, meet the $2,000 direct deposit requirement within 90 days to earn $300, then maintain a $5,000 daily balance during days 61-90 to earn an additional $200.”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finderAll bank bonuses

Against the market

How it ranks

#354of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Branch access
  • Early direct deposit
  • Interest bearing
  • No minimum balance
  • Online opening
  • Overdraft protection transfer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates by balance

$5,000 to $9,999
1.32%
$10,000 and up
3.32%

The bank’s rates · as of Nov 8, 2026

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$5,000citadelbanking.com, checked Nov 8, 2026
To earn the APY
Tier 2 Minimum 3-Month Average Daily Balance of $5,000 to earn 0.05% APY
  • Tier 3 Minimum 3-Month Average Daily Balance of $10,000 to earn 0.10% APY
  • Tier 4 Minimum 3-Month Average Daily Balance of $20,000 to earn 0.15% APY
  • Tier 5 Minimum 3-Month Average Daily Balance of $40,000 to earn 0.20% APY
citadelbanking.com, checked Nov 8, 2026
APY when those aren’t met
0.00%citadelbanking.com, checked Nov 8, 2026

Fees

Monthly fee
Nonecitadelbanking.com, checked Nov 8, 2026
Minimum to open
$1citadelbanking.com, checked Nov 8, 2026
Overdraft fee
$33citadelbanking.com, checked Nov 8, 2026
Most overdraft fees in a day
3citadelbanking.com, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on citadelbanking.com

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