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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

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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.
  • 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

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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.

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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)

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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)

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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.

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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.

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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

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