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AyAyRon (@guest_1735287)
November 11, 2023 23:34

9/12/23 Opened, CC funded $5500
9/19/23 pushed $501 from Chase Biz
10/25/23 pushed $501 from Fidelity
11/11/23 $300 promo

Received $50 giftcard from referral as well in mid October.

KEVIN (@guest_1729375)
November 3, 2023 11:53

I am looking for a Citadel customer that wants to be my uncle or family member. Email me

Tornado (@guest_1730149)
November 4, 2023 12:54

KEVIN Yo, Kev. I sent you a referral. Heads up that you will still need to meet the eligibility criteria to join the credit union.

Stan F
Stan F (@guest_1721497)
October 23, 2023 20:02

How strict are they for 1 in the lifetime? anyone tried to churn?

EveryPennyEvan (@guest_1720487)
October 21, 2023 22:22

Got flyer in mail for $250 on $500 in spend on a few of their credit cards (I have an existing bank account).

Found the generic offer online here:

Dom (@guest_1714161)
October 12, 2023 15:28

DP: Tried to fund with my U.S. Bank Business Altitude Connect but it coded as a cash advance

ntn (@guest_1714354)
October 12, 2023 19:36

Dom Did it finalize as a cash advance, or was the transaction declined/cancelled prior to?

IME, USB cards are a bit different in that cash advance needs to be turned on, and the transaction amount needs to be 25% of your credit limit or lower. I had success funding with this card with two other banks (not this one as I’m OOS). See my comment here for more background.

Dom (@guest_1714362)
October 12, 2023 19:53

The transactions (I attempted several for varying amounts above my CA limit) were all declined.

Thank you for the info!! I’ll have to test your theory when I get a chance

sunny (@guest_1723536)
October 26, 2023 07:51


Are you applying OOS!

MarcoPolo (@guest_1685081)
September 3, 2023 12:28


kira (@guest_1665792)
August 3, 2023 20:27

It is worth for OSS? Can I say that I am near relative of referrer?

Tornado (@guest_1659963)
July 25, 2023 20:12

Successful Bonus Data Point

5/24/23: Account opened
6/23/23: $501 real direct deposit
7/24/23: $300 bonus posted (I opened the account before the bonus increased to $325)

Other Thoughts:

I actually really like this credit union! Customer service is great. They have live chat, video call, and they are responsive to phone with representatives who actually help you. Easy bonus, 10/10 would do again.

They sent my ReferLive gift card and already have $50 loaded on it. I am happy to refer any others as long as you are in the footprint or can become eligible. You do need to show proof of eligibility during account opening.

Ren (@guest_1659966)
July 25, 2023 20:20

I will say I thought they had good customer service, until I had a problem. A merchant double charged my credit card. I understand the customer is supposed to work with the merchant to get it resolved, but the merchant kept insisting my card was not double charged. I raised a dispute, and the Citadel Dispute Team did absolutely nothing. They kept telling me to get a letter from the merchant. Well, many small merchants don’t have the time or resources to create a letter, especially inept merchants who double charge a customer’s credit card. I kept asking Citadel to please contact the merchant on my behalf, or at least do a chargeback of the double charge to get the merchants attention, but they did nothing. Imagine how frustrating it was for me dealing with that thinking I was going to be on the hook for hundreds of dollars of a bogus charge. Again, Citadel did nothing. It was eventually resolved, but I felt like they treated me like shit.

Gemma (@guest_1664615)
August 2, 2023 10:06

In the footprint also, can I get a referral please to

Tornado (@guest_1664689)
August 2, 2023 11:52

Gemma Sent.

OST (@guest_1649065)
July 7, 2023 14:30

in footprint. plz send referral to

Tornado (@guest_1649135)
July 7, 2023 16:31

Sent OST

Jon (@guest_1648864)
July 7, 2023 10:38

4//27: applied
5/5: approved after phone call. $500 Chase Ink funding, also did savings account for another $500.
5/22: Wells Fargo $550 push
7/5: $300 promo deposit posted