ONLINE BANKING

 

Contact a Business Banker

Our experienced Business Bankers will help you find the banking solutions that work best for your business needs. 

Business Checking Accounts That Fit Your Needs

Enjoy the many advantages of having a checking account with Citizens Bank.

 

  • Free Visa® Debit Card
  • Free ATM access at any Citizens Bank ATM
  • Free NetTeller (online banking)
  • Free online Bill Payer
  • Free E-Statements
  • Free Mobile App
  • Free E-Notices and Text Alerts (Standard message and data rates may apply)
  • Free Telephone Banking
  • Unlimited check writing
  • Unlimited deposits and withdrawals

Add on these optional services to make your account even better...

  • Balance Maintenance Sweeps will give you more time to do what you do best ... MAKE MONEY. Set up a predetermined "ceiling" limit, and excess money is automatically transferred or "swept" from your checking account into an investment account. Conversely, when your checking account reaches a predetermined "floor" limit, money "sweeps" from the investment account into the checking account.
  • Overdraft Protection available as a sweep or line of credit
  • ACH Manager to help you set up and manage incoming and outgoing ACH payments
  • Remote Deposit so you can deposit checks without ever leaving your office
  • Merchant Card Services to increase your sales by accepting credit card payments from your customers

When you are ready to open your account, visit any of our convenient locations to speak with a Personal Banker.

 

 

Account Type

Venture

Advantage

Advantage Plus1

Premier

Community Builder

Account Overview

Start-up or low-volume businesses

Companies that have a complete banking relationship

Non-corporation businesses wanting interest and rewards on higher balances

Businesses that want an earnings credit to offset fees

Non-profit groups and churches

Minimum Deposit to Open

$100

$100

$100

$100

$100

Minimum Balance or Relationship (to avoid maintenance fee)

$100

$10,000 in total average collected business deposits or $50,000 in total business loan balance

$25,000 in total average collected business deposits or $100,000 in total business loan balance

n/a

n/a

Earns Interest

n/a

n/a

Yes, on balances of $1,000 or more

Earnings credit

n/a

Other Benefits

Up to 25 debit transactions free per statement cycle

No account transaction limits, plus ear $0.10 per signature debit card purchase3

No account transaction limits, plus earn $0.25 per signature debit card purchase3

Free paper statement mailed each statement cycle

n/a

Check Discounts

n/a

n/a

Up to $50 off first order

Up to $50 off first order

n/a

Avoidable Maintenance Fee per Statement Cycle2

$5

$10

$15

n/a

n/a

Standard Fees

$0.15 per debit transaction over 25 per statement cycle

n/a

n/a

$20 maintenance fee per statement cycle2, plus $0.15 per debit transaction

n/a

 

1 Availability of the Advantage Plus account is limited to sole proprietorships, non-profit organizations operated mainly for religious, philanthropic, charitable, political or similar purposes, government units and funds held in fiduciary capacity.

2 Maintenance fee waived on the first statement cycle the account is open.

3 Advantage account: Earn $0.10 per signature debit card purchase up to a limit of $10 per statement cycle. Advantage Plus account: Earn $0.25 per signature debit card purchase up to a limit of $15 per statement cycle.