Woman on phone working in flower shop.

Business Checking

Small Business Checking

An account filled with value, plus the added convenience of eStatements for your small business.

  • $100 minimum deposit to open
  • No monthly service charge (eStatements required)
  • No charge for first 100 items (debit/credit combined), then $.50 per item
  • Debit/ATM Card (monthly fee waived)
  • 24/7 Telephone Banking
  • Mobile Banking
  • Online Banking
  • Additional services (fees may apply):
    • Cash Management
    • Positive Pay
    • Remote Deposit Capture
    • Bill Pay
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)
  • 24/7 Telephone Banking
  • Mobile Banking
  • Online Banking
  • Additional services (fees may apply):
    • Cash Management
    • Positive Pay
    • Remote Deposit Capture
    • Bill Pay

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)
  • 24/7 Telephone Banking
  • Mobile Banking
  • Online Banking
  • Additional services (fees may apply):
    • Cash Management
    • Positive Pay
    • Remote Deposit Capture
    • Bill Pay

Interest Plus Checking

A great option with earning power for 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)
  • 24/7 Telephone Banking
  • Mobile Banking
  • Online Banking

The following features available to 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!
Talk with a Citizens Bank Customer Service Representative for complete disclosure on each of these accounts, plus term and rate information.