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Business Banking

Checking Accounts

Business Lite Checking

  • $100.00 minimum deposit to open
  • $12.00 monthly service charge each month
  • No monthly service fee if minimum balance does not fall below $2,500.00 during a month
  • 100 Deposited Items, additional items $0.25
  • 100 Debit Items, additional items $0.25

Commercial Checking

  • $100.00 minimum deposit to open
  • $10.00 monthly maintenance fee
  • Deposit Ticket Fee, $.20 per deposit
  • Debit Item Fee, $.15 per item
  • Transit & On-Us Item Fee, $.10 per item
  • ACH Credit Item Fee, $.10 per item
  • To reduce fees a credit is calculated of $0.13 for every $100.00 of the average ledger balance for the monthly statement cycle less a 15% reserve requirement.  The earnings credit cannot exceed your total account fees.

Personal Now Account

  • $1,000.00 minimum deposit to open
  • $1,000.00 and above earns interest
  • $8.00 monthly service charge if balance falls below $1,000.00
  • Available to individuals, sole proprietorships and not-for-profit organizations
  • Unlimited check writing
    For complete disclosure on account criteria, please see a Customer Service Representative.

NowPLUS Account

  • $20,000.00 minimum deposit to open
  • $20,000.00 and above earns interest
  • $10.00 monthly service charge if balance falls below $20,000.00
  • Available to individuals, sole proprietorships and not-for-profit organizations
    For complete disclosure on account criteria, please see a Customer Service Representative.

 

Savings Accounts 

Money Market Account

  • $1,000.00 minimum deposit to open
  • $1,000.00 and above earns interest
  • $10.00 monthly service charge if balance falls below $1,000.00
  • 6 debits/transfers per month
  • Debits/transfers in excess of limit $5.00 each

Citizens Plus

  • $5,000.00 minimum deposit to open
  • $15.00 monthly service charge if balance falls below $5,000.00
  • Interest-bearing $5,000.00 and above
  • 6 debits/transfers per month
  • Debits in excess of limit $5.00 each
    Balance Tiers:
        $0.00 - $4,999.99 
        $5,000.00 - $24,999.99
        $25,000.00 - $49,999.99
        $50,000.00 - and above
       Available also to business customers

Certificates of Deposit

  • $1,000.00 minimum deposit to open
  • Interest-bearing
  • Interest compounds quarterly if term is 1 year or more
  • Penalty for early withdrawal

Talk with one of our Customer Service Representatives 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 Cash Management fees and features, please contact E-Commerce Coordinator David McLeod at (601) 444-2486.

Other Services

  • Commercial Loans
  • Business Online Banking, including Cash Management & Business Bill Pay
  • Mortgage Loans
  • Merchant Verification
  • Remote Deposit Capture
  • Telephone Banking, 24-hour account information - Toll free from any location: 601-731-3035