Our Business Checking offers the right account for all businesses regardless of size or structure.  We are here as your trusted advisor. 

Basic Business Checking Regular Business Checking Business Analysis Checking Community Checking¹ Business NOW²
$10/month maintenance fee $14/month maintenance fee 
$14/month* maintenance fee 
$5/month
maintenance fee 
$10/month
maintenance fee 
$3,000
Minimum average collected balance to avoid maintenance fee
$10,000
Minimum average collected balance to avoid maintenance fee
No minimum average collected balance requirement $2,000
Minimum average collected balance to avoid maintenance fee
$2,000
Minimum average collected balance to avoid maintenance fee
Non-interest bearing Non-interest bearing 
Non-interest bearing 
Non-interest bearing 
Earns Interest
Contact us for current interest rate and Annual Percentage Yield 
25
debit items/checks posted
100
debit item/check posted
$0.12
per debit item/check posted
Unlimited transactions $0.20 per item/check posted
$0.20/per item
charge in excess of debit item/check posted limit
$0.12/per item
charge in excess of debit item/check posted limit
$0.25
per deposit slip


100
checks deposited
200
checks deposited
$0.07
per deposited check


$0.07/per item
charge in excess of checks deposited limit
$0.07/per item
charge in excess of checks deposited limit
Other services may be included in the analysis

*Analysis checking applies an "earnings credit," based on the average collected balance to reduce monthly account service charges. 
¹Available to organizations not operated for profit but operated primarily for religious, charitable, educational, philanthropic, political or similar purposes
²Open to sole proprietors; organizations not operated for profit but operated primarily for religious, charitable, educational, philanthropic, political and other purposes; and federal, state, and local government entities
Basic Business, Regular Business, and Business Analysis accounts open to all businesses.
All checking accounts offer no fee for Notary Service, Online Banking Account Access and Bill Pay, 24 Hour Xpress Phone Banking and a Citizens Bank Check Card.

Have valuable documents or personal items you need stored in a safe place?

We offer fire-resistant bank vaults to store your items for a low annual fee based on the size of the box. Contact your nearest Branch location for more information on Safe Deposit Box availability and fees. Receive a $5 per year discount with automatic payment from your Citizens Bank Business Checking account.  No insurance coverage is provided on box contents by FDIC or Citizens Bank. 

Looking for Cash Management Services?

With Citizens Bank Cash Management your Online Banking becomes your bank from your office.   Manage payroll, submit Wire Transfer Requests, create common ACH transactions, utilize Electronic Federal Tax Payment Services and monitor your outgoing checks with Positive Pay.   Learn more by visiting our Business Online Banking page. 

Need to make deposits after banking hours?  

Deposit checks from your desk without having to leave your office.  Learn more about Remote Deposit Capture.  We also offer Night Depository Services with no monthly fee, a low one-time setup fee of $25.00 and a $5.00 fee per key. 

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