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Business Checking

As your business grows, so do your banking needs. That's why Citizens Bank has business checking options and services you'll need to make your business everything you want it to be. The right checking account is an important asset to your business. Citizens Bank makes it easy to choose what's best for you.

All Citizens Bank checking accounts include the following:

Free Citizens Express Debit Card

Free Text or Mobile Banking

Free ExpressNet Online Banking

Free secured eStatements

Free Unlimited ATM withdraws from CBT ATMs

Free Online
Bill Pay

Smart Choice Checking
Convenient and affordable checking that's right for many small businesses. If your business has limited checking needs and typically processes less than 150 items per month, this account may be right for you.
  • A low, fixed monthly maintenance fee.
  • No minimum balance requirement.
  • ATM and banking centers
  • Treasury Tax & Loan payment processing by automatic ACH.

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E-Commerce Smart Choice Checking
A perfect account for your small business or if you are just getting started in business.
  • No monthly maintenance fees if you elect to receive your bank statements by secure e-mail.
  • No minimum balance requirements.
  • Treasury Tax & Loan payment processing by automatic ACH.

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Mid-Market Commercial Checking

An easy to manage account with predictable and affordable fees. It's easy to use and suitable for businesses with moderate account activity.

  • Up to 500 checks and deposit items combined per statement cycle.
  • Additional fee of $.10 per item will apply if you exceed the above activity.
  • Treasury Tax & Loan payment processing by automatic ACH

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Citizens Commercial Checking

Citizens Commercial Checking offers many features that can improve your business's cash flow and increase operating efficiency.

Charges that apply:

  • Account Maintenance $5.00 per cycle (waived with eStatement delivery)
  • Deposits:  .25 per deposit
  • Items Deposited:  .06 per item
  • Checks Drawn:  .10 per check
  • Night Depository:  $10.00 per month
  • Coins Issued:  .05 per roll
  • Currency Issued:  $1.00 per $1000.00

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