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Business Banking

Checking Accounts

Commercial Checking

  • $100.00 minimum deposit to open
  • $5.00 basic fee every statement cycle
  • Per debit fee $0.13
  • Deposit items on another bank $0.075
  • Deposit items on us $0.05
    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 cannot exceed your total account fees.

Business Lite Checking

  • $100.00 minimum deposit to open
  • $7.00 monthly service fee each statement cycle
  • No monthly service fee if minimum balance does not fall below $2,500.00 during a statement cycle
  • 100 Deposit Items (each item in a deposit is considered a deposit item)
  • 100 Debit Items (any type of debit to the account is considered a debit item)
  • Excessive deposit or debit items $0.075 each 
  • First order of blue 3-to-a-page business checks free

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
    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
  • Fees may reduce the earnings on the account

 

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
  • $10.00 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

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:

  • Pay Bills
  • 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.  Contact our E-Commerce Manager at (601) 444-2432 for full disclosure of Cash Management fees and features.

 

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: 1-855-330-8899