Online & Mobile Banking (2024)

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Share: Built for Your Financial Well-Being What You Can Do: Pay Bills Manage Your Cards Set Controls & Alerts View Documents & Statements Deposit Checks View Your Credit Score Build a Budget Prioritize Financial Wellness Download the Citadel Mobile App to get started! Learn more about the new platform. See How It Works Citadel's Online & Mobile Banking just got a major upgrade designed to empower you. Here's an overview of what's changed and what's new. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com You can easily pay all your bills in one place with Citadel's Online & Mobile Banking. Setup one-time or recurring payments, and choose when and how you receive payment notifications. You can also enroll in eBills to have certain bills send an image of your bill directly into our Online & Mobile Banking platform, so you can see everything you need. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com In Citadel's Online & Mobile Banking, you can view your credit score, your detailed credit report, usage, payment history, and more - for free - without affecting your credit. And you can get a customized action plan to improve your score, plus personalized offers just for you. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com With the Citadel Mobile App, you can snap a photo of any check using the camera on your mobile device and get instant access to the funds with no waiting period. It's quick, simple, and secure. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com You can protect your Citadel credit and debit cards by setting up travel notices and custom card controls in Online & Mobile Banking. Add details about your travel plans & destinations to help us identify and prevent fraud on your accounts, and enable custom settings to decide how and where your card can be used. You can block or allow certain retailers, types of transactions, and set spending limits for all card users. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com In Citadel's Online & Mobile Banking, you can set up custom account alerts for things like balances, checks, loans, logins, and transactions via push notification, email, or text message. Get notified about security alerts, reminders for payments due dates, and more. You decide which accounts get each alert, how often, and what time you receive them. Here's how to get set up.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com You can manage your Citadel credit and debit cards any time in Online & Mobile Banking. Request a replacement card and add it to your mobile wallet right away, or report a card lost or stolen. You can also make a payment and add or remove card users. Here's how to get it done.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com You can customize how you view your Citadel accounts in Online Banking and the Citadel Mobile App. Set up a personalized dashboard to see exactly what you're looking for as soon as you log in, and make it easy to manage your money. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com In Citadel's Online & Mobile Banking, you can move money between your accounts one time, or on a recurring basis. Funds can be transferred between two of your Citadel accounts, or to and from your accounts at another financial institution. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com You can transfer money to and from other Citadel members in Online and Mobile Banking. You'll need the other member's name (or business name), account number, and account type – or they can set up an M2M Code (Member to Member) for quick and easy transfers. See how to get started in this video. Here's a look at how to make one-time and recurring transfers: https://youtu.be/psqhbblY7T8To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com Citadel's Online & Mobile Banking comes with built-in financial wellness tools to help keep you on track. You'll start with a quick assessment to see where you stand, and from there you can view your financial health status, which includes spending, borrowing, saving, and planning. You can also view your spending analysis and spending forecast to plan ahead. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com When you connect your accounts from other financial institutions in Citadel's Online & Mobile Banking, you can make payments on your Citadel loans and credit cards. You can also make secure transfers between your Citadel accounts and your external accounts. Here's how it works. Citadel's Online & Mobile Banking uses profiles to organize your accounts and financial information. If you have multiple profiles that include different primary and joint accounts, you may need to switch profiles to perform actions on those accounts. Here's how to get it done.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com With Citadel's Online & Mobile Banking, you can submit one-time or recurring payments on any of your Citadel loans. You can also use the loan payoff calculator to determine when and how to best pay your balance. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com Citadel's Online & Mobile Banking includes features and tools designed specifically for business users. If you're a Business Banking member, you can create users and roles with custom access to certain accounts for your team, and customize your dashboard to prioritize what you see first. You can also manage ACH transactions, send wire transfers, utilize remote deposit capture, and more. Here's a look at what you can do. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com. To learn more about Business Banking at Citadel, visit CitadelBanking.com/Business. Looking for Business Online Banking? We have that, too. Frequently Asked Questions

Online & Mobile Banking

Citadel’s enhanced digital banking experience is built for your financial well-being. Get a single, streamlined view of your finances with everything in one place.

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Built for Your Financial Well-Being

Citadel’s Online & Mobile Banking makes it easy to see your account balances, transaction history, and make transfers whenever you need to. You can also open new checking accounts, savings accounts, and loans. Whether you’re using Online Banking in a web browser, or if you download the Citadel Mobile App for your Apple or Android mobile device, you get a single, streamlined view of your finances with everything in one place.

The Citadel Mobile App is also compatible with Apple Watch and other wearable devices, so you can view account balances, recent transactions, and more.

What You Can Do:

Pay Bills

Pay Bills

Easily pay and manage all your bills in one place. Set up monthly auto-payments or one-time transactions to large companies, major billers, small businesses or individual people like your neighbor, lawn care service, or babysitter.

Manage Your Cards

Manage Your Cards

When you request a replacement credit or debit card, the new card can be digitally issued right away in Online & Mobile Banking, so you can see your new card details, make purchases, and add it to your mobile wallet before the physical card arrives in the mail. You can also make payments, report a card lost or stolen, and add or remove authorized users.

Set Controls & Alerts

Set Controls & Alerts

With custom account alerts and card controls, you can turn your credit and debit cards on/off, set spending limits for authorized users, manage travel locations, setup transaction alerts, and prevent fraud by disabling certain types of activity. You can also choose when and how you receive notifications.

View Documents & Statements

View Documents & Statements

When you enroll in eStatements, you’ll avoid a $2 paper statement fee and gain online access to your account statements, billing notices, and other secure documents. Choosing the paperless option means you will not receive copies of the selected Account Statements and Account Notices in the mail.

Deposit Checks

Deposit Checks

Snap a photo of any check using the camera on your mobile device and get instant access to the funds with no waiting period in most cases. To ensure the security of your mobile deposit, all checks should be endorsed with your signature and 'Citadel Mobile Deposit.’

View Your Credit Score

View Your Credit Score

View your credit score and detailed credit report for free at any time. Get real-time credit monitoring alerts, personalized offers, and use the credit score simulator to see how a purchase or loan you’re considering may affect your score. It gives you the visibility and control you need to make healthy financial decisions.

Build a Budget

Build a Budget

Create a savings goal to allocate a certain amount of money from one account to another over time to reach a long-term goal, such as a vacation or a new car. You can also conduct regular financial health checkups, check your spend forecast, and identify opportunities for improvements.

Prioritize Financial Wellness

Prioritize Financial Wellness

Financial wellness tools are built directly into Online & Mobile Banking to help improve and maintain your financial health. You’ll get financial health checkups and educational resources on a variety of topics like saving, spending, borrowing, and planning.

Download the Citadel Mobile App to get started!

Online & Mobile Banking (1)Online & Mobile Banking (2)

Learn more about the new platform.

Learn More

See How It Works

Online & Mobile Banking (3)

Citadel's Online & Mobile Banking just got a major upgrade designed to empower you. Here's an overview of what's changed and what's new. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (4)

You can easily pay all your bills in one place with Citadel's Online & Mobile Banking. Setup one-time or recurring payments, and choose when and how you receive payment notifications. You can also enroll in eBills to have certain bills send an image of your bill directly into our Online & Mobile Banking platform, so you can see everything you need. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (5)

In Citadel's Online & Mobile Banking, you can view your credit score, your detailed credit report, usage, payment history, and more - for free - without affecting your credit. And you can get a customized action plan to improve your score, plus personalized offers just for you. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (6)

With the Citadel Mobile App, you can snap a photo of any check using the camera on your mobile device and get instant access to the funds with no waiting period. It's quick, simple, and secure. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (7)

You can protect your Citadel credit and debit cards by setting up travel notices and custom card controls in Online & Mobile Banking. Add details about your travel plans & destinations to help us identify and prevent fraud on your accounts, and enable custom settings to decide how and where your card can be used. You can block or allow certain retailers, types of transactions, and set spending limits for all card users. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (8)

In Citadel's Online & Mobile Banking, you can set up custom account alerts for things like balances, checks, loans, logins, and transactions via push notification, email, or text message. Get notified about security alerts, reminders for payments due dates, and more. You decide which accounts get each alert, how often, and what time you receive them. Here's how to get set up.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

You can manage your Citadel credit and debit cards any time in Online & Mobile Banking. Request a replacement card and add it to your mobile wallet right away, or report a card lost or stolen. You can also make a payment and add or remove card users. Here's how to get it done.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (10)

You can customize how you view your Citadel accounts in Online Banking and the Citadel Mobile App. Set up a personalized dashboard to see exactly what you're looking for as soon as you log in, and make it easy to manage your money. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (11)

In Citadel's Online & Mobile Banking, you can move money between your accounts one time, or on a recurring basis. Funds can be transferred between two of your Citadel accounts, or to and from your accounts at another financial institution. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (12)

You can transfer money to and from other Citadel members in Online and Mobile Banking. You'll need the other member's name (or business name), account number, and account type – or they can set up an M2M Code (Member to Member) for quick and easy transfers. See how to get started in this video. Here's a look at how to make one-time and recurring transfers: https://youtu.be/psqhbblY7T8To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (13)

Citadel's Online & Mobile Banking comes with built-in financial wellness tools to help keep you on track. You'll start with a quick assessment to see where you stand, and from there you can view your financial health status, which includes spending, borrowing, saving, and planning. You can also view your spending analysis and spending forecast to plan ahead. Here's how it works.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (14)

When you connect your accounts from other financial institutions in Citadel's Online & Mobile Banking, you can make payments on your Citadel loans and credit cards. You can also make secure transfers between your Citadel accounts and your external accounts. Here's how it works.

Online & Mobile Banking (15)

Citadel's Online & Mobile Banking uses profiles to organize your accounts and financial information. If you have multiple profiles that include different primary and joint accounts, you may need to switch profiles to perform actions on those accounts. Here's how to get it done.To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (16)

With Citadel's Online & Mobile Banking, you can submit one-time or recurring payments on any of your Citadel loans. You can also use the loan payoff calculator to determine when and how to best pay your balance. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

Online & Mobile Banking (17)

Citadel's Online & Mobile Banking includes features and tools designed specifically for business users. If you're a Business Banking member, you can create users and roles with custom access to certain accounts for your team, and customize your dashboard to prioritize what you see first. You can also manage ACH transactions, send wire transfers, utilize remote deposit capture, and more. Here's a look at what you can do. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com. To learn more about Business Banking at Citadel, visit CitadelBanking.com/Business.

  • 0:50 What's New - Online and Mobile Banking
  • 1:26 How To Pay Bills
  • 1:09 How To Manage Your Credit Score
  • 0:48 How To Make a Mobile Deposit
  • 1:24 How To Set Up Card Controls
  • 1:01 How To Set Up Account Alerts
  • 0:42 How To Access Card Services
  • 0:42 How To Customize Your Dashboard
  • 1:23 How To Transfer Funds
  • 1:24 How To Transfer Money To Other Citadel Members
  • 1:26 How To Check Your Financial Health
  • 1:09 How to Connect Your External Accounts
  • 0:53 How To Switch Account Profiles
  • 1:12 How To Make a Loan Payment
  • 2:00 Business Online Banking

Looking for Business Online Banking? We have that, too.

Learn More

Frequently Asked Questions

To enroll in Bill Payer, simply click the 'Pay my Bills' option from the main menu and start adding your billers to schedule payments immediately.

Am I able to set up additional authorized signers to access my business account online?

All authorized signers can register for Online & Mobile Banking access on their own. If you have other employees you would like to provide access to Online Banking, you can set them up by selecting 'Manage Users' from the menu.

Yes, select 'Travel Notices' from the 'Card Services' menu to inform the credit union of your travel plans. You can select your start and end date, which cards you would like to include as well as destination and if Domestic or International travel. You can also manage your scheduled travel notices from this screen.

Using Card Controls with your Citadel debit or credit card can provide you with peace of mind and help you secure your financial information. You can easily lock or unlock your card, set travel notices and card alerts, and more, all with just a few clicks or taps.

Watch this video on How To Set Up Card Controls or follow the instructions below.

To access these controls, log in to your account in Online & Mobile Banking. If you are not registered for Online & Mobile Banking, you can enroll here.

1. Select the account the card is associated with from the menu. Debit cards are attached to checking and Star Savings accounts, Citadel credit cards are listed under Loans & Credit.
2. Look for the Card Services tab, located directly above transaction information for that account.

Note: If you do not see the Card Services tab, check the account you are accessing. Debit cards are only connected to checking and Star Savings accounts. They are not connected to other accounts such as High Yield Savings or Certificates.

3. You will now have the option to lock and unlock your cards, report your card lost or stolen, set up travel notices, and more.

Check out this article on Credit Card Security Featuresand be sure to visit our Security Centerfor more information on how to protect your identity and accounts.

Its easy to activate your card, simply follow the steps below. Please note that the activation button will only be displayed for cards that are eligible to be activated.

  • Debit Card - select your Checking account and choose 'Card Services'.
  • Credit Card - select your credit card and choose 'Card Services'.

You can report all debit and credit cards lost or stolen by accessing the 'Card Services' menu from the account history. You may also request a new card to be sent automatically.

eStatements, Billing Notices, and all additional Documents are accessible through the 'Documents' link under 'Quick Links'. You can also access by choosing 'Documents and Statements' from 3-dot ellipses menu for additional items. You can manage your Preferences and turn off paper statements to save $2.oo per month statement fee.

To manage your paperless settings, please follow these steps:

  • Select 'Documents' from the Quick Links menu on the Dashboard in the desktop experience.
  • Choose 'Paperless Settings' from the menu.
  • For Mobile Banking, choose 'Paperless Settings' from the Documents and Statements menu.

How old do I need to be to use the Credit Scores feature?

We do not obtain the credit report of any user who is less than eighteen (18) years of age.

You can manage both your Overdraft Protection and Courtesy Pay options in Online & Mobile Banking.

From the 3-dot ellipses menu, choose 'Overdraft Protection'. You are able to select Overdraft Options for your accounts as well as opt in or out of Debit Card Courtesy Pay.

Transactional external accounts are available within the 'Make a Transfer' section. From here you can manage your existing external accounts or add new ones. Navigate to 'External Accounts' where you will see 'Manage' and 'Add Account'. When adding a new account, you can choose from an existing list of financial intuitions and enter your credentials to have your account automatically added.

If you're account cannot be found or you have any issues connecting, we also offer the option to manually add your account by providing details such as routing number and account number. This will take you through the micro-deposit method to validate your account, in which two small deposits will be sent to your external account. Simply scroll to the bottom of the page and select 'Want to connect your account manually? Click here' to manually add your account.

We support Web Connect for QuickBooks, and Web Connect & Express Web Connect for Quicken. Please review the documents below for instructions to re-link your accounts once the upgrade is completed. Also, the dates outlined below correspond to the documents provided.

Your Action Dates:

  • 1st Action Date: 5/22/2023
  • 2nd Action Date: 05/23/2023

Aggregation Services - Intuit’s aggregation services will be available:

  • 3rd Action Date: 05/30/2023

Supporting Documentation:

  • QuickBooks Desktop Application Instructions
  • QuickBooks Online (cloud) Application Instructions
  • Quicken Instructions
  • Mint Instructions

Yes, you can manage your mailing address and change from your Profile, under your login icon image. Then select 'Address' from the User Settings menu. Please note that you will need to change the address back once the desired timeframe has completed.

There are four different phone numbers that Citadel will use to send you alerts or Secure Access Codes. We encourage you to add these to your contacts as the alerts and validation codes are issued. The phone numbers are:

  • 864-513-6729
  • 928-370-7784
  • 980-268-2537
  • 928-370-7682

Below is a list of the supported browsers and mobile operating systems for :

Browsers
Windows
Mac OS X
Google Chrome (Current and previous two versions)
Recommended
Recommended
Mozilla Firefox (Current and previous two versions)
Supported
Supported
Microsoft Edge (Current and previous two versions)
Supported Unsupported
Safari (Current and previous two versions)
Unsupported
Supported

Mobile Operating System (OS) Apple Android
iOS 15 and above Supported N/A
Android 10 and above N/A Supported

Still have questions?Visit our help center.

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Online & Mobile Banking (2024)
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