Business Banking
Checking Options
Business Lite Checking
Our simplest commercial account, designed to help your business grow.
- $100 minimum deposit to open
- $12 monthly service charge if balance falls below $2,500
- 100 Deposits per month, no charge; additional deposits, $0.25 each
- 100 Debits per month, no charge; additional debits, $0.25 each
- Debit/ATM Card (fees may apply)
- Card-Fraud Alert Service
- Lost/Stolen Card Management
- 24/7 Telephone Banking
- Online Banking:
- eStatements
- Bill Pay
- Mobile Banking
- Mobile Deposits (limits apply)
- Additional services (fees may apply):
- Cash Management
- Positive Pay
- Remote Deposit Capture
Commercial Checking
Designed to give business customers the power to maximize their earnings.
- $100 minimum deposit to open
- $10 monthly service charge
- To reduce fees a credit is calculated of $0.13 for every $100 of
the average ledger balance for the monthly statement cycle less
a 15% reserve requirement. The earnings credit cannot exceed
your total account fees.
- To reduce fees a credit is calculated of $0.13 for every $100 of
- Deposit Fee, $0.10 per deposit
- Debit Fee, $0.15 per debit
- Transit & On-Us Item Fee, $0.10 per item
- Debit/ATM Card (fees may apply)
- Card-Fraud Alert Service
- Lost/Stolen Card Management
- 24/7 Telephone Banking
- Online Banking:
- eStatements
- Bill Pay
- Mobile Banking
- Mobile Deposits (limits apply)
- Additional services (fees may apply):
- Cash Management
- Positive Pay
- Remote Deposit Capture
Interest Plus Checking
A great option with earning power for individuals, sole proprietorships and not-for-profit organizations.
- $1,000 minimum deposit to open
- Service Charge:
- No charge monthly if minimum balance $10,000 & above
- $5.95 monthly if minimum balance $1,000.00 - $9,999.99
- $6.95 monthly if balance falls below $1,000
- Interest-bearing - Multiple tiers from $1,000 - $75,000+
- Debit/ATM Card (fees may apply)
- Card-Fraud Alert Service
- Lost/Stolen Card Management
- 24/7 Telephone Banking
- Online Banking:
- eStatements
- Bill Pay
- Mobile Banking
- Mobile Deposits (limits apply)
The following features available to individuals & sole proprietors:
- Free Citizens Club Checks
- $20,000 AD&D Insurance
- $5,000 ID Theft Coverage
- 3-in-1 Credit File Monitoring
- Debit/Credit Card Registration
- Cell Phone Protection
- Shopping Rewards
- Mobile Retail & Dining Discounts
- CASH BACK MEMBER REWARDS!
- Earn 10% cash back per quarter when you submit receipts totaling up to $100 for everyday purchases. Registration/activation required.
Savings Options
Citizens Savings
A great savings option requiring a minimal opening deposit.
- Minimum deposit to open:
- $200 minimum deposit to open
- $50 minimum deposit to open until age 22
- Service Charge:
- $6 quarterly if balance falls below $200
- Free until age 22
- $2 per debit/transfer in excess of 6 per quarter
- Interest-bearing
- ATM Card (fees may apply)
- Card-Fraud Alert Service
- Lost/Stolen Card Management
- 24/7 Telephone Banking
- Online Banking:
- eStatements
- Bill Pay
- Mobile Banking
- Mobile Deposits (limits apply)
Premier Money Market
Offers the flexibility to earn a competitive interest rate, while maintaining access to your funds.
- $1,000 minimum deposit to open
- $10 monthly service charge if balance falls below $1,000
- $5 per debit/transfer in excess of 6 per month
- Interest-bearing - Multiple tiers from $1,000 - $250,000+
- Debit/ATM Card (fees may apply)
- Card-Fraud Alert Service
- Lost/Stolen Card Management
- 24/7 Telephone Banking
- Online Banking:
- eStatements
- Bill Pay
- Mobile Banking
- Mobile Deposits (limits apply)
Certificates of Deposit
Enjoy the confidence of a fixed-rate savings option as you watch your money grow.
- $1,000 minimum balance to open
- Interest-bearing
- Online Banking
Talk with a Citizens Bank Customer Service Representative for complete disclosure on each of these accounts plus term and rate information.
Cash Management
Businesses can enjoy a number of electronic features when using this Online Banking service.
Cash Management features, available to businesses, include:
- Business Bill Pay
- Direct Deposit
- ACH Payments and Receipts
- View balances and history of your Citizens Bank accounts
- Transfer funds within Citizens Bank accounts
To learn more, select Demos in the Online Banking box on the Home Page. For full disclosure of Business E-Commerce and Cash Management features and fees, please contact David McLeod, E-Commerce Coordinator, at 601-444-2486.
Other Services
- Debit/ATM Card (fees may apply)
- ATMs at all full-service locations
- Online Banking:
- eStatements
- Bill Pay
- Mobile Banking
- Mobile Deposits (limits apply)
- Cash Management (fees may apply)
- Positive Pay (fees may apply)
- Remote Deposit Capture (fees may apply)
- Commercial Loans
- 24/7 Telephone Banking: 601-731-3035