Posted by William Charles on February 17, 2016
Bank Account Bonuses

Published on February 17th, 2016 | by William Charles


[Expired] [PA]Citadel Banking Offers An Increased Sign Up Bonus Of $250 – No Direct Deposit

This bonus is no longer available, but they do have a new bonus worth up to $400.

Offer at a glance

  • Maximum bonus amount: $250 cash
  • Availability: Must live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA or if  a member of your family or household is already a customer, no matter where you live.
  • Direct deposit required: No
  • Additional requirements: Make three signature based debit card transactions + request points
  • Hard/soft pull: Soft
  • Credit card funding: Up to $500
  • Monthly fees: $0
  • Early account termination fee: None
  • Expiration date: Not listed

The Offer

Direct link to offer

  • Open a new checking account with Citadel Credit Union with a minimum opening deposit of $50 and receive 25,000 points (worth $250 in gift cards) when you complete the following requirements:
    • Make at least three (3) signature transactions using your new debit card within the first 30 days after opening your account
    • Call us or visit any one of our convenient branch locations to request your 25,000 bonus points

citadel 250 bonus

The Fine Print

  • This limited time offer may be withdrawn at any time
  • The offer may not be combined with any other offer
  • Bonus rewards points available to new checking customers only; One offer per household, per lifetime
  • Customer must not have closed a Citadel checking account within the last 12 months
  • All bank bonuses are treated as interest and as such you must pay taxes on them

Credit Card

Citadel also offer a credit card (currently with a $300 balance transfer bonus). After completing the sign up for this checking account you’ll sometimes be pre-approved for this card, if this happens then it’s only a soft credit pull (no hard pull is done), this is called the bank cart trick and is similar to the shopping cart trick

Avoiding Fees

Citadel bank does not charge any early account termination fees from what we could find. They also offer free checking accounts which don’t have any requirements to stay fee free (if the account is inactive for a period of 365  days or more a $5 fee is charged monthly though).  More details on the fee here.

Our Verdict

This is a great bonus, only a soft pull, high bonus amount with easy to meet requirements, no requirements to keep the account fee free and credit card funding pretty much as good as it gets. Only slight hassle is you need to call or go into a branch to get the bonus added to your account, not really a big deal since there is no direct deposit requirement though. We’ve added this to our list of the best bank account bonuses.

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Soft pull. The $250 is points, not cash. Still waiting to receive the points and will see whether able to redeem for cash.

I mean no hard pull, do not know were soft pulled or checksystem. Opened the checking by a banker via phone.

Thanks, just opened this. Chat agent said the CC funding limit was $500. You can use Visa, MC, Amex, or Discover.

It’s pending as a purchase on Chase.

Once in lifetime bonus? Atone successful in opening and getting bonus twice? Did this back in 2014. I guess I won’t be eligible.

To Jay: Did you close your account over the phone or in the branch?

I think I emailed them.

Was anyone able to open the account online completely or did it say at the end that a representative will get back within 24-48 hours?

I wasn’t, it says application pending.

After applying, I did get the email saying a rep would contract me. Never happened. I applied on a Friday and received email approval on Saturday. I got a copy of my credit reports yesterday. No credit pull at all – soft nor hard. But they did pull Chex Systems.

Can anyone speak to what you can receive with CU Rewards? That’s what it appears you receive points toward w/ this bonus (and other bank bonuses I have seen before). CU Rewards is referenced in the Citadel direct link page.

I suspect, but do not know, that you cannot redeem points for cash. It may be a cash equivalent i.e. a gift card to a particular site. The other option appears to be you redeem points for whatever is available in the CU Rewards catalog. Unfortunately it does not look like someone without a CU Rewards account can actually see redemption options.

William touched on it being $250 in gift cards above, so pardon my one comment about not being able to redeem for cash. But what stores/vendors can you receive a $250 gift card from? If the options are very limited, then this promo is not nearly as valuable to many of us.

The 25,000 reward points are redeemable for $250 cash, gift cards are slightly better, somewhere around 9000-9500 points gets you a $100 gift card.

How could I prove I “live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA?” Anyone know what they’re asking for for non residents as proof?

They are asking for government issued ID which matches the address on your application.

Yeah, but if you work or go to school in PA you might live in NJ, DE etc

If Citadel CU asks, you would have to prove that you “live, work, worship, or study..” by showing a rental agreement or utility bill, a paystub, w2, or employee badge/ID, a check paid to worship place (not really sure to prove you worship there), or a recent school tuition bill or report card or student ID. You may have to fax, mail, or in person.

I was never asked to provide proof. However, I had called to find out what I needed to provide if I attended church in Phila. The ‘”worship” requirement does not necessarily mean “member” of the church. I attend my dad’s church 2x month in the city. I was told I could show copies of checks for donations, get a letter from the church, etc. But I was never asked to show it.

And I just learned something new about “signature” transactions. Signature transactions just means you DIDN’T select debit and entered your pin. For small transactions, you may not have to sign, even if you opt for credit. The reason why they want us to do “signature” is because the fees are lower for signature transactions vs debit/pin transactions. Maybe everybody else knows this. I’m just finding out.

You weren’t? Lucky you. I made the mistake of trying to apply while living in CA (my parents live in PA). They allowed me to fund/open an account with $500 via credit card. Then kept asking for proof of residency. I “explained” I was living with my parents, and they cover all bills, and didn’t know when I would change my driver license. Kept getting emails from them saying they needed proof of residency. After a certain point, I just decided to take my money and go home. Except every ACH push I tried to do (maybe I should’ve pulled from another account?) was cancelled by the bank, stating they don’t allow that until residency verification. Oh and they wouldn’t mail me a check. Or refund back to my cc. Because they couldn’t verify my identity. Huh? Look at my chexksystem report — and my CA ID. Maybe I’m missing why it’s harder for them than I think? Finally, they tell me my ONLY option is to have my cc company start a dispute. I’ve never had a company TELL me to open a dispute against them. But ok… I got greedy applying for an out-of-state bank account bonus, I guess?

[…] [PA]Citadel Banking Offers An Increased Sign Up Bonus Of $250 – No Direct Deposit […]

Would buying things on Amazon (like gift cards) count as signature transactions? From my Googling, it appears that it would – using your debit card without entering your PIN seems to be considered a signature transaction.

On Amazon, be sure to opt out of their PIN-less debit option, and then it should work

Thanks! For anyone who needs it, here are Amazon’s direct instructions I found for doing that:

This is my first attempt at bank account bonuses so excuse my naivete. When I applied, they required you have a savings account in order to open the checking account. When I got the documentation, there were some fees associated with the savings account. Specifically a $2 fee for paper statements (don’t know if you are defaulted to estatements) and a $5 early termination fee (before 90 days)

I just emailed and confirmed you can redeem the entire amount of bonus points for cash promo. They seemed to think NJ address was fine. However a little misleading as no branch location is actually in Philly proper, locations in the burbs. I’ma try this with my new BoA card to hopefully get $425 between the two. Whammy!

I just opened this account. They pulled ChexSystems report. Please add that to the top.

Data point

Did the three signature transactions — called them — they said it would take about 30 days to get the points but I was confirmed!

Andrew- did your points post? I confirmed that I would get the bonus with them over the phone on 4/13, but I can’t remember how long they said it would take.


posted today — after 60 days

Data point

Did the three signature transactions — called them — they said it would take about 90 days to get the points but I was confirmed -_-

Weird, I was told 60 via SM

Wanted to confirm I recieved the 25,000 points after 60 days, not 30 like first reported. But happy to get them!

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