
Choose the right checking account to fit your business


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.

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.

Products to fund and manage your business.

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
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
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.

Take your payment options up a notch.

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.

Streamline processes, maximize returns, and mitigate risk.

RECEIVABLES SOLUTIONS
The solutions are designed to help your company safely speed up its receivables function while also working to streamline the process of updating your accounts receivable.
- Remote Deposit
- Lockbox
- Merchants Services
- ACH Debit
- Virtual Vault

PAYABLE SOLUTIONS
Let our payables solutions transform your company's payables function. Our products and services help you create a streamlined and cost effective payment strategy.
- ACH Credit
- Online Wires

LIQUIDITY MANAGEMET SOLUTIONS
Let us do the work involved in managing your day to day liquidity needs. Our solutions streamline the process of settling your accounts to cover all your daily cash needs while making sure your excess funds are increasing returns.
- Loan Sweep
- Zero Balance Accounts
- Target Balance Accounts
- Investment Sweeps

FRAUD SOLUTIONS
Our fraud solutions help protect your company from both internal and external fraud.
- Positive Pay
- Reverse Positive Pay
- ACH Positive Pay
- Online Administration

INFORMATION REPORTING
Our tailored reporting solutions help your company streamline their reconciliation process. Reports are customized to fit each individual company and user's needs.
- Account Reconciliation
- Consolidated Banking
- Electronic Data Interchange (EDI)
- BAI

FOR MORE INFORMATION CONTACT ONE OF OUR TREASURY MANAGEMENT PROFESSIONALS TODAY
Kathryn Pannell, VP |
501.435.3070 Kathryn.Pannell@thecitizensbank.net |
Landon Downing, AVP |
870.698.6227 Landon.Downing@thecitizensbank.net |

Manage your accounts anytime, anywhere.

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.

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.