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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 trickCitadel Credit Union. With Citadel’s mobile banking app, you can do all of this and more, including paying upcoming bills, setting purchase push notifications, and even redeeming credit and debit card rewards.