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Citadel Mortgage Payment: Step-By-Step Instructions



Citadel Mortgage Payment

Are you ready to take control of your finances and make your Citadel mortgage payment seamlessly? Navigating through the mortgage payment process might seem daunting, but worry not!

In this guide, we’ll walk you through the entire process step by step, ensuring that you have a clear understanding of each stage.

Whether you’re a first-time homebuyer or have been through this before, our goal is to make the payment process as simple and stress-free as possible. So, let’s get started with the basics.

Citadel Mortgage Payment: 6 Best User-Friendly Methods

If you’re looking to make payments on your auto loans, personal loans, or mortgages, Citadel has got you covered with a bunch of easy-peasy options! They want to make your life smoother, so they offer several convenient ways for you to handle your payments.

Whether you’re cruising around in your car, managing your personal finances, or taking care of your dream home, Citadel wants to make the payment process a breeze. You’ve got 6 ways to do it; they are given below:

1. Automatic Payments:

This is one of the Citadel mortgage payment system which makes sure you never forget to pay your bills on time. Using Online Banking and the Citadel Mobile App, setting up automatic payments is a breeze. It’s quick, simple, and safe.

You have the option to schedule regular payments from your Citadel account or even from accounts you have with other banks. To understand the process better, take a look at the instructional videos below.

2. Pay from Non-Citadel Account:

If you need to make a payment just once or if you’d like to arrange for regular payments, you can do so using an online tool for bill payments provided by a different bank or credit union.

All you have to do is follow the steps outlined by your own bank or credit union for establishing online payments. To complete this, you’ll require Citadel’s routing number, which is 231380104.

Helpful Hint: The most recent bill statement you’ve received will include all the necessary details you’ll need in order to set up online payments.

3. One-Time Payments:

If you are looking for to complete the payment in a hurry, Citadel Express Pay is one of the best choice that is created to assist you in swiftly making a one-time payment using either a debit card or an eCheck. It’s important to keep in mind that there is a fee associated with each of these payment methods. Please see the below:

Under Express Pay options, online payment is a great choice which requires $2.75 as fee. For making mortgage payment at Citadel, here are some steps you need to follow:

  1. Login to your Citadel Account by giving your zip code and correct member account number.
  2. Then create a profile by providing your details.
  3. Finally, make a payment.

There are two other options you can select for successful mortgage payment to Citadel.

Express Pay OptionsHow to PayFee/ Charge
Pay by Phone with a RepresentativeCall (800) 666-0191$5.50
Self-Pay by PhoneCall (877) 909-5685$2.95

4. By Mailing:

You can also pay your mortgage payment to Citadel by Mail. In this case, all you have to do is to send your payment to this mailing address by providing some particulars:

Citadel Loan Payments
P.O. Box 650
Exton, PA 19341

Note: If you have a billing statement coupon, enclose it with your check. If not and you’re using a non-Citadel check, write your Citadel account number on the Memo line. This helps us process your payment correctly.

5. In Person/ Pay at a Branch:

You have the option to make your payment in person by visiting any of our conveniently located branch offices. They offer a hassle-free self-service feature called Citadel Express Banking, which you can use without any charge.

If you require any guidance or support, their friendly team members will be available to assist you during regular business hours.

6. Skip-A-Pay Method:

Sometimes in life you may experience financial crisis. It happens in our life. In this case, you can use Skip-a-Pay which can help you to skip your upcoming loan payment for a $35 fee. So, it’s very easy to do by using Online Banking or the Citadel Mobile App. For taking this advantage, you need to follow some steps to complete.

  1. First, login to your Mobile App or Citadel Online Banking Account
  2. If you’re using a desktop computer, you can access this feature by clicking on the three-dot menu. On mobile devices, you’ll find it in the ‘More’ section of the menu. Look for the option labeled ‘Skip A Pay’ and click on it. Before you proceed, make sure to read and accept the provided Terms and Conditions. This step is necessary to move forward with the process.
  3. Please choose the loan for which you wish to skip a payment. Afterward, select the account from which you’d like to deduct the associated fee. Once you’ve done that, click on the ‘review and submit’ button, and you’re all set!

Note: To access other loans, use the switch account feature when you have multiple auto loans under different ownership.

Frequently Asked Questions:

What is the grace period for Citadel?

The grace period for Citadel is 10 days, allowing payments to be made until midnight of the 25th of every month without incurring the $50 late fee.

How do I pay my Citadel car?

To pay your Citadel car, you can use Express Pay for a nominal fee. Simply log into your Citadel account using your member account number and zip code, create a profile, and proceed to make the payment. Keep in mind that there’s a $2.75 fee associated with online payments.

Is Citadel a good bank?

Yes, Citadel has been recognized as one of the nation’s top 10 banks and credit unions for February 2023 by Fortune Recommends, a reputable media organization known for assisting readers in making informed decisions about financial products. This recognition highlights Citadel’s quality and reputation in the banking industry.

Final Words:

Navigating your Citadel Mortgage payments is simpler than ever with our step-by-step guide. Remember, taking control of your financial commitments empowers you to achieve your homeownership dreams with ease.

By following our user-friendly instructions, you can ensure a stress-free payment process and maintain a strong financial standing.

Feel confident as you manage your mortgage, and don’t hesitate to reach out to our dedicated support team for any assistance you may need along the way. Your journey towards a secure future starts now – one payment at a time.

Teacher-turned online blogger, Shirley is a full-time backyard homesteader based in Virginia. When she doesn't have her face buried in a book or striding in her garden, she's busy blogging about simple life hacks of the daily life. Shirley hold's a BA in commerce from University of California.

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