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Online Banking

Meet your new business checking account.

It gets your customers’ payments. It pays your bills and your employees. In many ways, your checking account is the heart of your company’s finances – making a good fit oh-so important. Let’s find the account that’s right for your business.

Keeping you and your money connected.

All Citizens Bank business checking accounts keep you connected to your money with the Citizens Bank Business Debit Card, free ATM withdrawals*, and complete digital access via Online Banking and our Mobile Banking App.
 

Citizens Bank Visa® Business Debit Card

Of course you can use it for everyday business purchases and to withdraw cash. But, this powerful little card is also the key to setting up a mobile wallet service such as Apply Pay or Samsung Pay. Plus, our Business Advantage and Business Advantage Plus accounts reward you every time you use your card!

 

ATM Withdrawals

Sometimes, nothing but cash will do. Enjoy free withdrawals at any Citizens Bank ATM, plus access to over 800 surcharge free ATMs in the ATM Access network.*
 
 

Online & Mobile Banking

A digital tool box to manage your business checking account. Pay bills, make mobile deposits, sign up for account alerts, and more.
 

Online Business Banking Resources

Cash management tools help you keep track of money flowing in and out, while remote deposit scanners maximize the availability of funds.
 
Account Type Venture Advantage Advantage Plus Premier Community Builder
Account Overview Start-up or low-volume businesses
Companies that have a complete banking relationship
Non-corporation businesses1 wanting interest and rewards on higher balances
Businesses that want an earnings credit to offset fees
Non-profit groups and churches
Minimum Deposit to Open $100 $100 $100 $100 $100
Minimum Balance or Relationship (to avoid maintenance fee) $100 $10,000 in total average collected business deposits or $50,000 in total business loan balance $25,000 in total average collected business deposits or $100,000 in total business loan balance n/a n/a
Earns Interest n/a n/a Yes, on balances of $1,000 or more Earnings credit n/a
Other Benefits
Up to 25 debit transactions free per statement cycle
No account transaction limits, plus earn $0.10 per signature debit card purchase 3 No account transaction limits, plus earn $0.25 per signature debit card purchase 3 Free paper statement mailed each statement cycle n/a
Check Discounts
n/a
n/a Up to $50 off first order Up to $50 off first order n/a
Avoidable Maintenance Fee per Statement Cycle 2
$5
$10 $15 n/a n/a
Standard Fees
$0.15 per debit transaction over 25 per statement cycle
n/a n/a $20 maintenance fee per statement cycle 2, plus $0.15 per debit transaction n/a
 

Overdraft Protection. Because oops, it happens.

It happens to the best of us. A forgotten automatic withdrawal, a delayed deposit – and suddenly, your balance is in the negative. Protect your business account with an Overdraft Sweep or an Overdraft Protection Line of Credit.
 

Overdraft Sweep

Link your business checking account with a Citizens Bank business savings or money market account, and funds will automatically transfer to cover a negative balance in your checking account.
 

Overdraft Protection Line of Credit

Apply for this specialized line of credit that advances funds directly to your business checking account and allows you to pay it back later.
1 Availability of the Advantage Plus account is limited to sole proprietorships, non-profit organizations operated mainly for religious, philanthropic, charitable, political, or similar purposes, government units, and funds held in fiduciary capacity.
 
2 Maintenance fee waived on the first statement cycle the account is open.
 
3 Advantage account: Earn $0.10 per signature debit card purchase up to a limit of $10 per statement cycle. Advantage Plus account: Earn $0.25 per signature debit card purchase up to a limit of $15 per statement cycle.