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CHECKING
CHECKING

Choose the right checking account to fit your business

UNLIMITED

UNLIMITED

With Optimum Business Checking, the sky is the limit.

For customers who require more than the basic account, we offer business checking with unlimited check writing and processing, free unlimited ATM withdrawals at Citizens locations, free images

business checking efficient

EFFICIENT

Save time and money with a business debit card.

Write fewer checks and eliminate the need for petty cash with business debit cards that can be issued to both owners and employees with limits set for each card.
 

business checking simple

SIMPLE

Basic accounts to suit the needs of your small business.

For customers who write few checks, make few deposits and simply need to separate business and personal, we recommend a basic business account.

LENDING
LENDING

Products to fund and manage your business.

BUSINESS MANAGER

BUSINESS MANAGER®

A lending tool to save time and money.

This custom line of credit allows you to improve cash flow and free up time spent collecting accounts receivables.

AGRICULTURAL

AGRICULTURAL

Options specifically designed for producers.

Whether you are looking to expand your operation, take advantage of a new opportunity or manage the day-to-day operational expenses, we can help you access the financing you need. Our loan specialists have extensive knowledge in row crop, poultry and cattle operations.  

COMMERCIAL

COMMERCIAL

Products to fund and manage your business.

From real estate loans and term loans to working capital lines of credit, our loan specialists are here to support your business ventures with flexible products and competitive rates.

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MERCHANT SERVICES
MERCHANT SERVICES

Take your payment options up a notch.

business merchant convienent

CONVENIENT

Take your payment options up a notch.

Improve convenience for both you and your customers by enabling your business to accept any Visa or Mastercard as payment. With quick and easy training, 24/7 authorizations, immediate credit to your account and monthly statements, you can improve transaction management as well as customer satisfaction.

CASH MANAGEMENT SERVICES
CASH MANAGEMENT SERVICES

Streamline processes and eliminate paperwork.

RECONCILIATION SERVICE

RECONCILIATION SERVICE

We can provide an electronic report of account transactions which is used by the client to supplement an in house reconciliation function.

REMOTE DEPOSIT

REMOTE DEPOSIT

Remote deposit, the electronic capture of checks enables clients to make non-cash deposits from the comfort and convenience of the office.

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AUTOMATED CLEARING HOUSE (ACH)

AUTOMATED CLEARING HOUSE (ACH)

ACH collection and disbursement facilitates the origination of electronic payments (direct deposit of payroll, payables) and collections (receivables) through the Automated Clearing House network.

LINE OF CREDIT SWEEP

LINE OF CREDIT SWEEP

Provides a funding source to an operating account via an automated line draw (commercial lines only). Also sweeps excess depository balances to pay down lines of credit.

ZBA/TBA

ZERO BALANCE ACCOUNT (ZBA) AND TARGET BALANCE ACCOUNT (TBA)

A ZBA /TBA is a unique type of checking account funded by a company’s operating or master account. These are used to help companies manage their disbursement processes through the segregation of different types of payments such as payroll, dividends and accounts payable. Clients can control the balance and funding of a master account and its related ZBAs/TBAs as if these were one large account.

Take your payment options up a notch

Take your payment options up a notch.

Improve convenience for both you and your customers by enabling your business to accept any Visa or Mastercard as payment. With quick and easy training, 24/7 authoriztions, immediate credit to your account and monthly statements, you can improve transaction management as well as customer satisfaction.

OTHER PRODUCTS & SERVICES
OTHER PRODUCTS & SERVICES

Manage your accounts anytime, anywhere.

business debit card

DEBIT CARD

Secure, convenient and customized.

With a Citizens Bank debit card, you can access your checking account to pay for any purchase where Visa® is accepted. As an existing Citizens Bank account holder, you are eligible to receive a free custom photo debit card or an instant issue debit card. 

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ONLINE BANKING

ONLINE BANKING

The online banking service from Citizens Bank provides account information to clients 24/7 via internet access, affording them an opportunity to make informed and timely financial decisions.

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Credit Cards

CREDIT CARDS

Keep all of your accounts in one place.

Our Citizens Bank Visa and Mastercards offer mobile purchase options, online statements, email updates on account information and special offers and are conveniently through the same bank as your other accounts.

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Build Your Business With Citizens

We understand that establishing and running a business can be financially stressful, so we’re here to help you streamline your accounts—from checking, debit cards and accepting payments to loan products, employee benefits and asset management, we can help you get a solid start and make the best decisions for your business. Plus, we offer an array of digital services so you can manage funds 24/7.