Let Citizens Bank help you choose the right accounts for your small business.

Citizens Business Banking for Small Businesses is a basic account for small businesses that write few checks, deposit few items, and that primarily need an account to separate business transactions from personal ones and simplify your accounting process.
Every business is different.  That’s why Citizens Business Banking offers you solutions to various business needs with a variety of options.

Affordable Opening Balance
All you need to open a Citizens Business Banking for Small Businesses Account is an initial $25.00 deposit.

• No Minimum Balance
• No Monthly Service Charge
• 250 Free Items/Statement Cycle*
• Free Visa® Business Debit Card**
• Free e-Statements***
• Free Internet Banking
• Free Mobile Banking
• Free Telebanker Service: (855) 222-8225
• Visa Business Credit Card Available****
• Overdraft Privilege Available Up To $600****

Additional Options Available With a Small Monthly Fee
Extended E-Banking for Small Businesses
- Business BillPay
- B2B Money Transfer
- Remote Deposit Anywhere

*Additional items $0.50 each
**Replacement fee may apply. May be personalized for an additional fee.
***e-Statements required
****Approval required


Make the Optimum Business Checking Account part of your business plan.

Citizens Bank understands that owning and operating a business is tough enough without the constant worry about your bank account. With our Optimum Business Checking Account, we set out to create the best business checking account we could - one where there's is no need to worry about how many items you have processed, how many checks you have written, or even how much petty cash to keep on hand!

We offer our Optimum customers unlimited check writing and processing, check images on your statement, free Visa® Business debit cards, and Online banking with iPay Bill Pay, features that make Optimum Business Checking one of the best business checking accounts around.


Optimum Business Checking At A Glance

  • $50 Minimum opening deposit
  • Free online iPay Bill Pay up to 15 payments per statement cycle
  • Free Visa® business debit card
  • Unlimited check writing
  • Free imaged statements
  • Free, unlimited ATM withdrawals at any Citizens Bank location

* $6.00 monthly fee waived when $500 balance is maintained during a statement cycle