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