Terms & Conditions

Refer-A-Friend Checking Account Offer:


The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each qualified individual referred (Referred Person) to Citadel who is 18 years of age or older and does not have an existing or prior account relationship with Citadel, registers for the offer, opens a new checking account and completes the other requirements within the time specified in the offer. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person who fulfills the requirements (the first Referrer that enters information for a Referred Person will be the eligible Referrer). The Referred person may only receive one Reward Card, per lifetime, for opening an account and completing the requirements, but may also be eligible for future Rewards Cards as a Referrer.


To earn the $50 Visa® Reward Cards:
  • The Referrer must register for the program and send a ReferLive referral invitation to the Referred Person, by email or through social media.
  • The Referred Person must register by following the link provided in the referral email or social media invitation, and then open a new checking account after receiving the email or social media offer through the official means of the program.
  • The new checking account must complete the following requirements within 60 days of account opening:
    • Complete 1 (one) or more direct deposits totaling $250 or more, OR
    • Complete 10 (ten) or more debit card purchases (excluding ATM withdrawals)



Rewards Cards will be issued to qualified Referrers and Referred Persons after the Referred account is open for at least 30 days. The Referred account must be open and in good standing at the time of incentive fulfillment, in order for Rewards Cards to be issued. Please allow 4-6 weeks after completion of all requirements for delivery of your Visa® Reward Card to the physical address provided in the registration form. Reward Card may be reported as income to the IRS.


The offer is not available if the Referred Person already has an existing or prior account relationship with Citadel and may not be combined with any other offers. The incentive will not be issued on closed accounts. In addition, incentives will not be awarded for referrals of accounts the Referrer is, in any capacity, an owner of (primary, joint, POA, etc.). The program may be discontinued or changed at any time without notice. Citadel employees are not eligible for this program or offer. Business checking accounts are also not eligible for this offer.


The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has "opted out" of marketing material from Citadel or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they "opt out" by making an election at ReferLive or within such email. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system.


Visa® is a registered trademark of Visa, Inc. Visa® is not a participant or sponsor of this promotion.


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