Citadel Mobile Banking

I worked at AEFCU, before it changed to Citadel (20+ Years ago). I’ve gone through every step of their online banking and then later on mobile. I’ve never had any major issues that weren’t resolved shortly later with updates. Since the start of their mobile apps: regular bug/issue updates and many updates to improve the user experience. As a family, we bank with another C.U., but I’ve held on to my Citadel Accts, for my private accts. I only rate apps that are extremely impressive. That being said, this is either my 1st or 2nd review that I went any further than rating the ***** stars. If your on the fence, give this one a try.

Been with Citadel since moving here in January of 1999. The staff were always helpful and caring. Had a few glitches that happened when my account was hacked not only did they report it to the FBI the replaced the missing money along with the service charges I received when my account became overdrawn. But they help track down the individuals responsible for it. Another time a needed a quick loan to purchase a vehicle. I had the money in my hand in half an hour. Great people, cashiers/tellers are always friendly so are the service representatives. A big thank you from the Spath family.

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This app is awful to be honest. And maybe its not the app so much as Citadel's system in general. You cant make payments by credit/debit card through the app, like almost any other app. Money has to be transferred from your bank account, to a Citadel account, which you'll then use to pay off your other Citadel account... Just a pointless way for Citadel to tie up your money. Furthermore, when I finally was able to make my payment by credit card, my account number came up invalid. I eventually figured out the issue, through Google searches, but beforehand I called Citadel customer service to fix the issue and the representative was extremely unhelpful and couldn't verify my account number with me, despite all of the information I was able to give her because apparently without your account number first, no further information can be accessed. Yeah, Citadel's kinda trash.

I have been a member of Citadel FCU for almost 20 years. I have absolutely no problems with thier services what so ever. This application on the other hand is annoying. I have a XS Max and use the Face ID with most of my financial services. I literally have no issues with the other apps. This one will acknowledge Face ID, but then take a very long time to load my accounts or it goes to the loading screen and never loads my accounts. This is very annoying. There have been times when I close it and then open it two or times before it finally loads my account. Citadel please fix this and bring it up to the standard your institution has established through out your other services.

I am a new member of the citadel bank. I joined October 2017 and am still enrolled. The first 39 days after I opened my account, Citadel held 3 of my checks. I sat down with an employee at my nearest branch when I opened it and I was never informed about the firdt 30 days that checks will be on hold for 10 days. After my first check was on hold, I called and was told the check would be released after 10 business days. 3 weeks have gone by and I received the check on the 3rd week, more than 10 business days. Now that checks are going directly to my account, I can quickly transfer money from my checking to my savings within seconds. I can manage my account all from one app on my smartphone!