Meet your new business checking account.
It gets your customers’ payments. It pays your bills and your employees. In many ways, your checking account is the heart of your company’s finances – making a good fit oh-so important. Let’s find the account that’s right for your business.
Keeping you and your money connected -- and protected.
All Citizens Bank business checking accounts keep you connected to your money with the Citizens Bank Business Debit Card, free ATM withdrawals*, and 24/7 access via Digital Banking. Add a layer of protection with Positive Pay, our automated fraud prevention tool.
Citizens Bank Visa® Business Debit Card
Of course you can use it for everyday business purchases and to withdraw cash. But, this powerful little card is also the key to setting up a mobile wallet service such as Apply Pay or Samsung Pay. Plus, our Business Advantage and Business Advantage Plus accounts reward you every time you use your card! With our card management tool in Digital Banking, you are in full control of how, when, and where your card can be used.
ATM Withdrawals
Sometimes, nothing but cash will do. Enjoy free withdrawals at any Citizens Bank ATM, plus access to over 800 surcharge free ATMs in the ATM Access network.*
Digital Banking
A digital tool box to manage your checking account. With our Mobile App and Online Banking, you can make deposits or payments, sign up for account alerts, view documents, and more.
Check & Form Reorders
Through our relationship with Deluxe, you can easily reorder the supplies you need for your business.
Business Banking Digital Resources
Cash management tools help you keep track of money flowing in and out, and Positive Pay can help stop fraud before it hits your account. Remote deposit scanners maximize the availability of funds.
| Account Type | Venture | Advantage | Advantage Plus | Premier | Community Builder |
|---|---|---|---|---|---|
| Account Overview | Start-up or low-volume businesses |
Companies that have a complete banking relationship |
Non-corporation businesses1 wanting interest and rewards on higher balances |
Businesses that want an earnings credit to offset fees |
Non-profit groups and churches |
| Minimum Deposit to Open | $100 | $100 | $100 | $100 | $100 |
| Minimum Balance or Relationship (to avoid maintenance fee) | $100 | $10,000 in total average collected business deposits or $50,000 in total business loan balance | $25,000 in total average collected business deposits or $100,000 in total business loan balance | n/a | n/a |
| Earns Interest | n/a | n/a | Yes, on balances of $1,000 or more | Earnings credit | n/a |
| Other Benefits |
Up to 25 debit transactions free per statement cycle
|
No account transaction limits, plus earn $0.10 per signature debit card purchase 3 | No account transaction limits, plus earn $0.25 per signature debit card purchase 3 | Free paper statement mailed each statement cycle | n/a |
| Check Discounts |
n/a
|
n/a | Up to $50 off first order | Up to $50 off first order | n/a |
| Avoidable Maintenance Fee per Statement Cycle 2 |
$5
|
$10 | $15 | n/a | n/a |
| Standard Fees |
$0.15 per debit transaction over 25 per statement cycle
|
n/a | n/a | $20 maintenance fee per statement cycle 2, plus $0.15 per debit transaction | n/a |
Overdraft Protection. Because oops, it happens.
It happens to the best of us. A forgotten automatic withdrawal, a delayed deposit – and suddenly, your balance is in the negative. Protect your business account with an Overdraft Sweep or an Overdraft Protection Line of Credit.
Overdraft Sweep
Link your business checking account with a Citizens Bank business savings or money market account, and funds will automatically transfer to cover a negative balance in your checking account.
Overdraft Protection Line of Credit
Apply for this specialized line of credit that advances funds directly to your business checking account and allows you to pay it back later.
